�
     Credit Card Agreement for Neiman Marcus/Bergdorf Goodman in Capital One,  N.A. 
     There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer
     Agreement. The Pricing Information shows a range of terms that includes both mail and online offers for new accounts   
     available under this Agreement as of March 31, 2016. The combination of terms that could apply to you may differ 
    depending on the speci?c card offer and on your creditworthiness at the time of application. The Customer Agreement  
     contains important information related to consumer credit cards issued by Capital One, N.A. If you are a current Capital One
     cardholder, please log in to your account if you would like to request the Credit Card Agreement for your account(s). 
      CAPITAL ONE PRICING INFORMATION 
      Annual Percentage Rate    24.24%. 
      (APR) for Purchases 
                        This APR will vary with the market based on the Prime Rate. 
      How to Avoid Paying   Your due date is at least 26 days after the close of each Billing Cycle. We will not charge you 
      Interest on Purchases:   interest on new purchases, provided you have paid your previous balance in full by the due
                        date each month. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $.50. 
      Annual Fee  $0. 
      Transaction Fees 
      � Balance Transfer Fee None. 
      � Cash Advance Fee None. 
      � Foreign Transaction Fee None. 
      Penalty Fees 
      � Late Payment    Up to $35.
      � Over the Credit Limit Fee  None. 
      � Returned Payment Up to $25. 
     Balance Computation Method: Average Daily Balance (including new purchases)    
     The �Daily Balance� of a Credit Plan is determined by taking the opening balance of the Credit Plan for that day, and adding 1)  
     any new purchase made on the Credit Plan that day, 2) the previous day�s Interest Charges, 3) any credit insurance premiums  
     or debt cancellation fees (if applicable) incurred on that day and 4) any late fees, over the credit limit fees, returned payment  
     fees or other fees incurred on that day and subtracting any payments or credit applied to the Credit Plan that day. If your  
     Account is subject to a grace period during the billing cycle, payments made during that cycle will be subtracted from all Daily  
     Balances in the current cycle.   
     Required Insurance, Debt Cancellation or Debt Suspension Coverage: None. 
     Disclosure of Rates: The Daily Periodic Rate which is used to determine your Interest Charges and the corresponding Annual   
    Percentage Rate, will be variable rates which may change monthly. The Daily Periodic Rate will be one-three hundred sixty ?fth  
     of the sum of the U.S. prime rate published in Money Rates table of The Wall Street Journal that is in effect on the last day of  
     the month. (�Prime Rate�), plus a �Spread� of 20.74 percentage points for the Standard Rate. Any changes in the Prime Rate  
    will take effect on the ?rst day of your billing cycle beginning in the next month.  ? 
      Neiman Marcus or Bergdorf Goodman Card  
                     � 
      issued by Capital One   Customer Agreement 
      Welcome to Capital One                (4) You must take reasonable steps to prevent the   
      This credit card is issued by Capital One, N.A., and may   unauthorized use of your Card and Account. 
      be used at participating retail locations that accept the   (5) We may decline to authorize a transaction for any   
      Card. This Customer Agreement including any changes to   reason. This may occur even if your Account is not   
      it (�Agreement�) contains the terms of your agreement with   in default. 
      Capital One.                           (6) We are not responsible for any losses you incur if we do   
                                               not authorize a transaction. 
     De?nitions                              (7) We are not responsible for any losses you incur if your   
      The meanings of the terms you see in italics appear in the   Card is declined. 
      Glossary section at the end of this Agreement.   (8) You must not use, or try to use, the Card for any illegal   
                                               activity. You are responsible for any charges if you do. 
      As used here, �you� and �your� mean each applicant and co-
                                             (9) We are not liable for any losses that may result when   
      applicant for the Account; any person responsible for paying   
                                               our services are unavailable due to reasons beyond   
      the Account; and any person responsible for complying   
                                               our control. 
      with this Agreement. �We,� �us,� �our,� and �Capital One�   
      mean Capital One, National Association; and its agents,     Promotional Credit Plans 
      authorized representatives, successors, and assignees. 
                                             From time to time, we may offer one or more promotional 
                                             Credit Plans prior to or at the time of your purchase. 
      Account Documents 
      The following documents govern your Account with us:   Only certain purchases may be eligible for promotional 
                                             Credit Plans. These plans may have special repayment 
      (1)     this  Agreement; 
                                             terms and are conditioned on your timely payment of at 
      (2)     all  Statements; 
                                             least the required payment amount each Billing Cycle: 
      (3) any privacy notices; 
      (4) all disclosures and materials provided to you before or     (1) Waived Interest Charge Credit Plan - With this plan,   
         when you opened your Account;         there are no Interest Charges on your purchase for a 
      (5) any other documents and disclosures relating to your    speci?ed period. 
         Account, including those provided online; and   (2) Reduced Rate Credit Plan - With this plan, you will   
      (6) any future changes we make to any of the above.     receive a reduced Annual Percentage Rate (APR) on 
      Please read these carefully and keep them for future  your purchase for a speci?ed period. 
      reference. 
                                             Authorized Users 
      New Offers                             If you ask us to issue a Card to any other person, they are 
      In the future, we may provide you with new offers that we   an Authorized User. We may require certain information 
      think may interest you. The terms of these offers may differ   about them. We may limit their ability to use your Card. 
      from the standard terms on your Account. This Agreement   They may have access to certain information about your 
      will still apply.                      Account. You will be responsible for their use of the 
                                             Account and anyone else they allow to use your Account, 
      Account Information                    even if you did not want, or agree to, that use. 
      We need information about you to manage your Account. 
                                             Removing an Authorized User 
      This includes: 
                                             If you want to remove an Authorized User from your 
      (1) your legal name;   
                                             Account, you must contact Customer Service and request 
      (2) a valid mailing address and residential address    
                                             their removal. You also must immediately destroy all Cards   
         (if different); 
                                             in their possession and cancel any arrangements they may 
      (3) your date of birth;   
                                             have set up on your Account. They will be able to use your 
      (4) your Social Security number or other government   
                                             Account until you have noti?ed us that you are removing 
        identi?cation number we accept; 
                                             them from your Account. During this time, you will still be 
      (5) your telephone number(s); and   
                                             responsible for all amounts they charge to your Account. 
      (6) your income information.   
                                             You will be responsible even if these amounts do not 
      You must tell us when this information changes. We may   appear on your Account until later. 
      ask you for additional documents to verify any changes. We 
                                             Authorized Users may remove themselves from your 
      may restrict or close your Account if we cannot verify your 
                                             Account upon request. We reserve the right to remove 
      information, or if you do not provide it as requested. 
                                             them from your Account for any reason. To remove them 
                                             from your Account, we may close your existing Account   
      Using Your Account 
                                             and issue a new Card with a new Account number. 
      (1) This Agreement applies whether or not you use your   
         Card or Account. It will continue to apply even after your 
                                             Your Promise to Pay 
         Account is closed, as long as you have a balance. 
                                             You promise to pay us all amounts due on your Account. 
      (2) You must sign the Card immediately when you receive it.   
                                             This includes amounts where you did not sign a purchase 
      (3) You must return the Card to us or destroy it if we ask   
                                             slip or other documents for the transaction. We will treat 
         you to. 
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      transactions made without presenting your actual Card    Account only if your Truth-in-Lending Disclosures provide 
      (such as for mail, telephone, Internet, or mobile device   for them. We may increase your Interest Charges and Fees   
      purchases) the same as if you used the Card in person. If   as described in the Changes to Your Agreement section 
      you let someone else use your Card, you are responsible   or in your Truth-in-Lending Disclosures. 
      for all transactions that person makes. 
                                             Late Payment Fee 
      Statements                             We may charge you this Fee if we do not receive your 
      We will generally send or make available to you one   payment as instructed on your Statement by the payment 
      Statement on your Account at the end of each Billing Cycle.   due date. 
      Under certain circumstances, the law may not require us to 
      send or make available to you a Statement, or may prohibit   Returned Payment Fee 
      us from doing so.                      We may charge you this Fee each time your ?nancial 
                                             institution for any reason rejects a payment you make to us. 
      Disputed Transactions 
      You must inspect each Statement you receive. Tell us about     Minimum Payment 
      any errors or questions you have, as described in the �Billing     You must pay us at least the minimum payment due by the 
      Rights Summary� on your Statement and other Truth-in-  payment due date. The minimum payment for your Account   
      Lending Disclosures. If you do not notify us of an error, we     includes the minimum payment due on each Credit Plan. 
      will assume that all information on the Statement is correct.   Your Statement will tell you: 
      If we credit your Account for all or part of a disputed   (1) the minimum payment due,   
      transaction, you give us all of your rights against others   (2) your new balance,   
      regarding that transaction. You will also:   (3) the payment due date, and   
                                             (4) an explanation of when the payment must reach us for   
      (1) give us any information about the disputed transaction,   
                                               us to consider it received as of that date. 
         if we ask; 
      (2) not pursue any claim or reimbursement of the     Returns and other credits to your Account will reduce your 
         transaction amount from the merchant or any other   Account balance, but they will not change your minimum 
         person; and                         payment amount. 
      (3) help us get reimbursement from others.   
                                             In addition to the minimum payment, you may pay all or 
                                             part of the total balance on your Account. But, you must 
      No Warranties 
                                             still pay at least the minimum payment amount each month, 
      We are not responsible for any claim you may have 
                                             even if you paid more than the minimum payment due on 
      regarding the purchase of goods or services made with 
                                             the previous Statement. We will continue to charge Interest 
      your Card beyond your rights described in the �Billing 
                                             Charges during Billing Cycles when you carry a balance 
      Rights Summary� on your Statement. 
                                             regardless of whether your Statement includes a minimum 
                                             payment that is due. If your Account is 180 days past due, 
      Lost or Stolen Card 
                                             is part of a bankruptcy proceeding or is otherwise charged 
      If your Card is lost or stolen or if you think someone else 
                                             off, the total balance is immediately due and payable. 
      may be using your Card or Account number without 
      your permission, you must contact Customer Service 
                                             Making Payments 
      immediately. You will not be responsible for transactions on 
                                             Your payment must be made in U.S. dollars from a U.S. 
      your Account that we ?nd are unauthorized. 
                                             deposit account in a form acceptable to us. We do not 
      If we reimburse you for unauthorized transactions, you will   accept cash payments through the mail. You may not make 
      help us investigate, pursue and get reimbursement from   payments with funds from your Account or any other credit 
      the wrongdoer. Your help includes giving us documents in a   account with us or any other company in the Capital One 
      form that we request.                  organization. You must send mailed payments to us as 
                                             instructed on your Statement, unless we tell you otherwise. 
      Interest Charges and Fees 
      We will charge Interest Charges and Fees to your Account     Other Payment Services 
       as disclosed on your Statement and other Truth-in-Lending   We may make services available that allow you to make 
       Disclosures. In general, Interest Charges begin to accrue   faster or recurring payments online or by telephone. We 
       from the date of a purchase. However, we will not charge   will describe the terms for using these services and any 
       you interest on any new purchases posted to your Account     applicable Fee before you use them. You do not have to 
       if you paid the total balance of your Account in full by the   use these other payment services. 
       due date on your Statement each month. 
                                            We are not responsible if your ?nancial institution rejects a 
       If you have a Waived Interest Charge or Reduced Rate     payment made using our payment services. 
       Credit Plan balance and the promotional period does not   
                                             If you ask someone else to make a payment for you, we 
       expire before your payment due date, we will exclude that   
                                             may provide that person with limited Account information 
       promotional plan balance from the amount you must pay in   
                                             necessary to set up and process that payment. We may 
       full to avoid Interest Charges. However, you must still make   
                                             also refuse to accept that payment. If we do accept it, you 
       any required payment on that excluded promotional balance. 
                                            will be responsible for that payment even if a ?nancial 
       We will generally treat Fees as purchase transactions   institution rejects it. 
      unless otherwise speci?ed below. These Fees apply to your 
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      Payment Processing                    (1) you do not make any payment when it is due;   
      We may accept and process payments without losing any   (2) any payment you make is rejected, not paid or cannot   
      of our rights. We may delay the availability of credit until we   be processed; 
     con?rm that your payment has cleared. This may happen  (3) you ?le or become the subject of a bankruptcy or  ? 
      even if we credit your payment to your Account. We may   insolvency proceeding; 
      resubmit and collect returned payments electronically. If   (4) you are unable or unwilling to repay your obligations,   
      necessary, we may adjust your Account to correct errors,   including upon death or legally declared incapacity; 
      process returned and reversed payments, and handle   (5) we determine that you made a false, incomplete or   
      similar issues.                          misleading statement to us, or you otherwise tried to 
                                               defraud us; or 
      When you send us an Item as payment, you authorize 
                                             (6) you do not comply with any term of this Agreement or   
      us to make a one-time electronic fund transfer from your 
                                               any other agreement with us. 
      deposit account. You also authorize us to process the 
      payment as an Item. We may withdraw the funds from   If you are in default, we may take certain actions with 
      your deposit account as early as the same day we receive   respect to your Account. For example, depending on the 
      your payment. You will not receive your Item back from   default, we may take the following actions, without notifying 
      your bank. We will provide additional information about this   you, unless the law says that we must give you notice: 
      process on your Statement.             (1) charge you Fees, or change the APRs and Fees on   
      We may use the information from an Item to create an   your Account, if provided in your Truth-in-Lending 
      electronic image. We may collect and return the image   Disclosures; 
      electronically. This electronic image may also be converted   (2) close or suspend your Account;   
      to a substitute check and may be processed in the same   (3) demand that you immediately pay the total balance   
      way we would process an Item. We will not be responsible   owing on your Account; 
      if an Item you provide has physical features that when   (4) continue to charge you Interest Charges and Fees as   
      imaged result in it not being processed as you intended.   long as your balance remains outstanding; and/or 
                                            (5) ?le a lawsuit against you, or pursue another action that  ? 
      How We Apply Your Payments              is not prohibited by law. If we ?le a lawsuit, you agree to 
      In each Billing Cycle, we generally apply payments up to   pay our court costs, expenses and attorney fees, unless 
      your minimum payment amount to satisfy the minimum   the law does not allow us to collect these amounts. 
      payment due on each Credit Plan, ?rst to the lowest APR 
                                             Communications 
      Credit Plan balance and then to higher APR Credit Plan   
      balances. We apply any part of your payment exceeding   You agree that we may communicate with you by mail, 
      your minimum payment to the balance with the highest   telephone, email, fax, prerecorded message, automated 
      APR, and then to balances with lower APRs. We do this   voice, text message or other means allowed by law 
      based on the APRs in effect and balances owed on the day   regarding your Account. 
      your preceding Billing Cycle ended.    You agree that we may contact you at any telephone 
                                             number (including a mobile telephone number that you 
      Items with Restrictive Words, Conditions,   
                                             provide us), and use an automated telephone dialing 
      or Instructions 
                                             system or similar device to do so. You agree that we may 
      You must mail all Items bearing restrictive words,   monitor or record any conversation or other communication 
      conditions, limitations, or special instructions to:   with you. 
      Capital One 
                                             Credit Reports 
      PO Box 1330 
      Charlotte, NC 28201-1330               We may report information about your Account to credit 
                                             bureaus and others. Late payments, missed payments, or 
      This includes Items marked �Paid in Full� or similar 
                                             other defaults on your Account may be re?ected in your 
      language. This also includes all accompanying 
                                             credit report. Information we provide may appear on your 
      communications. 
                                             and the Authorized Users� credit reports. 
      If you make such a payment or send any accompanying 
                                             If you believe that we have reported inaccurate information 
      communications to any other address, we may reject it 
                                             about your Account to a credit bureau or other consumer 
      and return it to you. We may also accept it and process it 
                                             reporting agency, notify us in writing at PO Box 729080, 
      without losing any of our rights. 
                                            Dallas, TX 75372-9080. When you write, tell us the speci?c 
                                             information that you believe is incorrect and why you 
      Credit Balances 
                                             believe it is incorrect. 
      We may reject and return any payment that creates or adds 
      to a credit balance on your Account. Any credit balance   We may obtain and use credit, income and other 
     we allow will not be available until we con?rm that your   information about you from credit bureaus and others as 
      payment has cleared. We may reduce the amount of any   the law allows. 
      credit balance by any new charges. You may write to the 
                                             Closing or Suspending Your Account 
      address provided on your Statement or call Customer 
      Service to request a refund of any available credit balance.   You may contact Customer Service to ask us to close   
                                             your Account. 
      Account Default 
                                             We may close or suspend your Account at any time and for 
      You will be in default if:             any reason permitted by law, even if you are not in default. 
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      If we close or suspend your Account for any reason,   Glossary 
      you must stop using your Card. You must also cancel all   � �Account� means your Card Account with us.   
      billing arrangements set up on the Account. If we close or 
                                             � �Authorized User� means a person who may use   
      permanently suspend your Account, you must return or 
                                              the Card but is not responsible for the repayment of  
      destroy all Cards. You must still pay us all amounts you 
                                              the Account.
      owe on the Account. 
                                             �  �Billing Cycle� means the period of time re?ected   ? 
      Changes to Your Agreement               on a Statement. This period may vary in length, but is  
      At any time, we may add, delete or change any term of   approximately 30 days. You will have a Billing Cycle even  
      this Agreement, unless the law prohibits us from doing so.   if a Statement is not required. We will often specify a  
      We will give you notice of any changes as required by law.   Billing Cycle by the month in which its closing date occurs.  
      We may notify you of changes on your Statement or in a   For example, a �March Billing Cycle� will have a closing  
      separate notice. Our notice will tell you when and how the   date in March. We may also refer to a Billing Cycle as a  
      changes will take effect. The notice will describe any rights   �Billing Period�. If your Account balance has charged off,  
      you have in connection with the changes.   we may switch to quarterly Billing Cycles for your Account.
      Your variable APRs (if applicable) can go up or down as the     � �Card� means the Neiman Marcus or Bergdorf Goodman  
      index for the rate goes up or down. If we increase your APRs     credit card issued by Capital One associated with your
      for any other reason, or if we change your Fees or other     Account. This includes all renewals and substitutions. It
      terms of your Account, we will notify you as required by law.   also means any other access device for your Account we
                                              give you that allows you to obtain credit, including any
      The Law That Applies to Your Agreement   Account number.
      We make decisions to grant credit and issue you a Card   
                                             � �Credit Plans� mean the different parts of your Account   
     from our of?ces in Virginia. This Agreement is governed 
                                              we may establish that are subject to unique APRs, pricing
     by applicable federal law and by Virginia law. If any part of 
                                              or other terms. The sum of your Credit Plan balances
      this Agreement is unenforceable, the remaining parts will 
                                              equals your total Account balance.
      remain in effect. 
                                             � �Fees� mean charges imposed on your Account not  
      Waiver                                  based on the Annual Percentage Rates.
      We will not lose any of our rights if we delay or choose not 
                                             � �Interest Charges� mean any charges to your Account   
      to take any action for any reason. We may waive our right 
                                              based on the application of Annual Percentage Rates.
      without notifying you. For example, we may waive your 
      Interest Charges or Fees without notifying you and without   � �Item� means a check, draft, money order or other  
      losing our right to charge them in the future.   negotiable instrument you use to pay your Account. This
                                              includes any image of these instruments. This does not
      Assignment                              include an Access Check.
     This Agreement will be binding on, and bene?t, any of your   � �Statement� means a document showing important  
      and our successors and assigns. You may not sell, assign   Account information, including all transactions billed to
      or transfer your Account or this Agreement to someone else   your Account during a Billing Cycle and information about
      without our written permission.         what you must pay. We may also refer to your Statement  
      We may sell, assign or transfer your Account and this   as a �Periodic Statement� or a �Billing Statement�.
      Agreement without your permission and without prior notice   � �Truth-in-Lending Disclosures� means disclosures  
      to you. Any assignee or assignees will take our place under   that the federal Truth in Lending Act and Regulation Z
      this Agreement. You must pay them and perform all of   require for any Account. This includes your application
      your obligations to them and not us. If you pay us after we   and solicitation disclosures, Account opening disclosures,
      notify you that we have transferred your Account or this   subsequent disclosures, Statements, and change in  
      Agreement, we can return the payment to you, forward the   terms notices.
      payment to the assignee, or handle it in another way that   
      is reasonable. 
                                       � 2015 Capital One
 
                                 Capital One is a federally registered service mark.
   
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