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 CREDIT CARD ACCOUNT OPENING DISCLOSURE TABLE, APR, FEE AND OTHER IMPORTANT
INFORMATION

Interest Rates and Interest Charges

Annual Percentage
Rate (APR) for
Nordstrom Purchases

24.15% This APR will vary with the market based on the Prime Rate.

31.15%

This APR will vary with the market based on the Prime Rate.

Penalty APR and
When It Applies

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.

How to Avoid Paying
Interest on Purchases

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.

Minimum Interest
Charge

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees

If you are charged interest, the charge will be no less than $0.50.

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.

Annual Fee

None

Penalty Fees

Late Payment
Returned Payment

Up to $38.
Up to $25.

How We Will Calculate Your Balance: We use a method called "daily balance." See your Cardholder Agreement for
more details.

 
 
 
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your
Cardholder Agreement.

Notice to Members of the Armed Forces and their Dependents: Federal law provides important protections to
members of the Armed Forces and their dependents relating to extensions of consumer credit. See your Cardholder
Agreement for more details. You may also call 1.888.246.8731.

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 Credit Card Agreement is accurate as of
December 15, 2017. 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 at P.O. Box 6555, Englewood, CO 80155-6555.

NORDSTROM VISA PLATINUM® AND NORDSTROM VISA SIGNATURE® ACCOUNT OPENING DISCLOSURE
TABLE APR, FEE AND OTHER IMPORTANT INFORMATION

Interest Rates and Interest Charges

Annual Percentage
Rate (APR) for
Nordstrom Purchases

12.15% to 24.15% when you open your account, based on your
creditworthiness. After that, your APR will vary with the market based on the Prime
Rate. The APR assigned to your account for Nordstrom Purchases will be printed on the
temporary card you receive when you open your account.

APR for Non-
Nordstrom Purchases

16.15% to 24.15% when you open your account, based on your
creditworthiness. After that, your APR will vary with the market based on the Prime
Rate. The APR assigned to your account for Non-Nordstrom Purchases will be printed
on the temporary card you receive when you open your account.

28.15%

APR for Cash
Advances

This APR will vary with the market based on the Prime Rate.

31.15%

This APR will vary with the market based on the Prime Rate.

Penalty APR and
When It Applies

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

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees

If you are charged interest, the charge will be no less than $0.50.

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.

Annual Fee

None

Transaction Fees
Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Penalty Fees

Late Payment
Returned Payment

Up to $38.
Up to $25.

How We Will Calculate Your Balance: We use a method called "daily balance." See your Cardholder Agreement for
more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your
Cardholder Agreement.

Notice to Members of the Armed Forces and their Dependents: Federal law provides important protections to
members of the Armed Forces and their dependents relating to extensions of consumer credit. See your Cardholder
Agreement for more details. You may also call 1.888.246.8731.

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 Credit Card Agreement is accurate as of
December 15, 2017. 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 at P.O. Box 6555, Englewood, CO 80155-6555.

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 credit card account," "Nordstrom Visa Platinum," "Nordstrom
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 Nordstrom Credit
Card Privacy Notice for more information.

We have engaged Nordstrom Card Services, an affiliate of 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 Card Services
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 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. Joint account holders shall have
the right to use the Credit Card Account to the extent of any available credit limits.

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, 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. We may end the special payment
option and apply the Penalty APR if your minimum payment is not received within 60 days of your due date. Qualifying
promotional balances are included in the calculation of your minimum payment due. Other restrictions and 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, through Nordstrom catalogs and for
purchases of Nordstrom gift cards through CashStar®. “Non-Nordstrom Purchases” are purchases I charge to my
Nordstrom Visa card that are not Nordstrom Purchases. I understand at this time the Nordstrom retail credit card cannot be
used to make purchases at Nordstrom stores located in Canada.

In this Agreement, a separate balance for Nordstrom Purchases, Non-Nordstrom Purchases or Cash Advances is
sometimes called a "Balance Category." My billing statement may show a single calculation of interest charges for multiple
Balance Categories if the same Annual Percentage Rate applies to the Balance Categories.

B. When Interest Charges Begin to Accrue on Purchases. My due date is at least 25 days after the close of each billing
cycle. In order to be eligible for a grace period on Purchases for the current billing cycle, I must pay my New Balance in full
by the payment Due Date shown on that billing statement. If I do not pay the entire amount of the New Balance by that
date, there will be an interest charge on each Purchase from the date the Purchase is made. For purposes of this
paragraph 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.

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.

Nordstrom Credit Card Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom Purchases is the Prime
Rate plus a Margin of 19.65 percentage points. As of December 15, 2017, this ANNUAL PERCENTAGE RATE was
24.15% (Daily Periodic Rate of 0.06616%).

Nordstrom Visa Platinum and Nordstrom Visa Signature Accounts: The Standard ANNUAL PERCENTAGE RATE(S)
that apply to Purchases are based on my creditworthiness and described below in Tiers I through IV. TD Bank will tell me
the Standard ANNUAL PERCENTAGE RATE(S) that apply to Nordstrom Visa Platinum or Nordstrom Visa Signature
before I use my account.

Tier I Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom Purchases is the Prime Rate plus a Margin
of 7.65 percentage points. As of December 15, 2017, this ANNUAL PERCENTAGE RATE was 12.15% (Daily Periodic
Rate of 0.03329%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases is the Prime Rate plus a Margin of 11.65
percentage points. As of December 15, 2017, this ANNUAL PERCENTAGE RATE was 16.15% (Daily Periodic Rate of
0.04425%).

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 December 15, 2017, this ANNUAL PERCENTAGE RATE was 16.15% (Daily Periodic
Rate of 0.04425%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases is the Prime Rate plus a Margin of 15.65
percentage points. As of December 15, 2017, this ANNUAL PERCENTAGE RATE was 20.15% (Daily Periodic Rate of
0.05521%).

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 December 15, 2017, this ANNUAL PERCENTAGE RATE was 20.15% (Daily
Periodic Rate of 0.05521%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases is the Prime Rate plus a Margin of 19.65
percentage points. As of December 15, 2017, this ANNUAL PERCENTAGE RATE was 24.15% (Daily Periodic Rate of
0.06616%).

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 December 15, 2017, this ANNUAL
PERCENTAGE RATE was 24.15% (Daily Periodic Rate of 0.06616%).

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 December 15, 2017, this ANNUAL PERCENTAGE RATE was 28.15%
(Daily Periodic Rate of 0.07712%). This paragraph 19.G only applies to Credit Card Accounts that have a Cash Advance
feature.

H. Penalty ANNUAL PERCENTAGE RATE. If I do not pay at least the Minimum Payment Due by the payment Due Date
shown on my monthly billing statement for two consecutive billing cycles, my Credit Card Account will be subject to a
Penalty ANNUAL PERCENTAGE RATE (rather than a Standard ANNUAL PERCENTAGE RATE). A notice on my billing
statement will reflect the date when this change will be effective. The Penalty ANNUAL PERCENTAGE RATE will apply to
any outstanding balance and all future transactions on my Credit Card Account. The Penalty ANNUAL PERCENTAGE
RATE is the Prime Rate plus a Margin of 26.65 percentage points. As of December 15, 2017, this ANNUAL
PERCENTAGE RATE was 31.15% (Daily Periodic Rate of 0.08534%).

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.

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 $38 for any late or missed
Minimum Payment Due.

B. Returned Payment Fee. If any payment on my Credit Card Account (such as a check, draft, or similar instrument, or
any electronic fund transfer) is uncollectible or is dishonored for any reason, 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 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://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 and spouse’s name and address, to Nordstrom at P.O. Box 6555, Englewood, CO 80155.

NOTICE TO MEMBERS OF THE ARMED FORCES AND THEIR DEPENDENTS

The following important notice applies if you are a member of the Armed Forces or a dependent of one at the time your
account is established.

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of
consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may
not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or
account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit
transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts);
and any participation fee charged (other than certain participation fees for a credit card account).

If you would like more information regarding your account, please call us at 1.888.246.8731.

PART II — CONSUMER DISCLOSURE STATEMENTS

CREDIT CARD ACCOUNTS

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

Your Billing Rights: Keep This Notice For Future Use

If you think there was an error on your statement, write to us at:

What To Do If You Find A Mistake On Your Statement

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.

When we receive your letter, we must do two things:

What Will Happen After We Receive Your Letter

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have
already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is
correct.

While we investigate whether or not there has been an error:

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

 
 
 
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to the
amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and
fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as
delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong you must write to us within 10 days telling us that you still
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We
must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when
the matter has been settled between us.

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.

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 your Nordstrom cardholder agreement ("Cardholder 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 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 Your Privacy Rights.

Who is eligible?

When you are approved for your Nordstrom Card, you are automatically enrolled in Level 1 of the Program
and will receive Rewards points for Net Purchases made with your Nordstrom Card as described below.
Your eligibility for Levels 2, 3, and 4 of the Program will be reviewed quarterly and will be based on your
Net Purchases made using your Nordstrom Card at Nordstrom retail locations in the U.S. and Canada,
including Nordstrom full-line stores in the U.S. and Canada, Nordstrom Rack stores in the U.S.,
Nordstrom.com, nordstromrack.com, HauteLook, through Nordstrom catalogs and on the Nordstrom gift
card website hosted by CashStar® ("Net Purchases at Nordstrom"). These locations are individually and
together referred to, below, as "Nordstrom". Purchases at Trunk Club, Inc. are eligible for Rewards points
but are not eligible for any other benefits associated with the Program. Just Jeffrey, Inc. (Jeffrey
Boutiques) does not participate in the Program and any purchases made at these boutiques are not eligible
for any benefits associated with the Program.

To be eligible for Level 2 of the Program, you must use your Nordstrom Card to purchase an annual
minimum of $2,000 in Net Purchases at Nordstrom; to be eligible for Level 3 of the Program, you must use
your Nordstrom Card to purchase an annual minimum of $5,000 in Net Purchases at Nordstrom; and to be
eligible for Level 4 of the Program, you must use your Nordstrom Card to purchase an annual minimum of
$10,000 in Net Purchases at Nordstrom. Except as described below, once you reach the qualifying Net
Purchases at Nordstrom for Levels 2, 3, or 4, your benefits at each level include all of the benefits
associated with the preceding Level(s) of the Program. Your Net Purchases at Nordstrom will be reset to
zero annually at the beginning of each calendar year.

You are eligible to receive Rewards points and the benefits associated with Level 1, 2, 3, or 4 (subject to
the qualifying Net Purchases at Nordstrom stated above) as long as your Nordstrom Card remains open
and you have complied with all of your obligations under the Cardholder Agreement.

Purchases by Nordstrom employees, including purchases made by employees using an employee discount
are eligible to receive Rewards points for Net Purchases made with a Nordstrom Card, but will not be
eligible for any other benefits associated with Levels 1, 2, 3, and 4 of the Program.

How can you receive Nordstrom Rewards points?

You will receive two Rewards points for every dollar in Net Purchases at Nordstrom and Trunk Club, Inc.
made using your Nordstrom Card. You will receive one Rewards point for every dollar in Net Purchases
made with your Nordstrom Visa Platinum® card or Nordstrom Visa Signature® card (collectively,
"Nordstrom Visa Card") at merchants (other than Nordstrom and Trunk Club, Inc.) 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.

How do you use Nordstrom Notes?

Nordstrom Notes may be redeemed for purchases at any full-line Nordstrom store in the U.S. or Canada or
at Nordstrom Rack stores in the U.S., and online at nordstrom.com, nordstromrack.com or HauteLook.
Nordstrom Notes may not be used as payment on your Nordstrom Card. The value of Nordstrom Notes will
be applied against the total purchase price, including applicable taxes and fees. Nordstrom Notes will be
denominated in U.S. Dollars and are subject to a currency exchange rate when redeemed at a Nordstrom
store located in Canada. The U.S. Dollar to Canadian Dollar exchange rate that will be applied to your
Nordstrom Note redemption in Canada will be the previous day's online closing rate (rounded to two
decimal places) in the Historical Exchange Rates section of www.USForex.com/forex-tools/historical-rate-
tools. All dollar amounts referred to in these Rewards Terms and Conditions are in U.S. Dollars.

How can you redeem other Program benefits?

Once you reach the level of qualifying dollars in Net Purchases at Nordstrom to move to the next Rewards
Level, we will send you a notice that you have reached Nordstrom Rewards Levels 2, 3, or 4, as the case
may be. At that time, we will also send you information about the benefits associated with your Rewards
Level and how to redeem those benefits.

From time to time, we may also send you information about additional benefits. Some benefits may have
restrictions associated with them, may require you to purchase the benefit, may have limited availability,
or may be subject to other restrictions. We will explain any restrictions that apply together with
information about the benefit.

What is the Nordstrom Alterations Benefit?

To be eligible for a Nordstrom alterations benefit, you must purchase the item being altered at Nordstrom
using your Nordstrom card. You must also pay for the alteration fee with your Nordstrom Card and you
must purchase the alteration service at a Nordstrom or Nordstrom Rack store located in the U.S. The
alterations benefit is not available for Nordstrom purchases made in Canada or Nordstrom international
online orders. Not all Nordstrom full-line or Nordstrom Rack stores offer alterations services. Purchases
made at HauteLook are not eligible for the alterations benefit.

The alterations benefit has a maximum value associated with it for cardholders of Levels 1, 2, and 3 of the
Program. When you are a Level 1, 2, or 3 cardholder, you are eligible to receive a Nordstrom Note for the
lesser of the amount of the eligible alteration service or the remaining maximum amount of the 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.

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 purchases of Louis Vuitton and Hermès at any Nordstrom store location, will receive double
points in lieu of triple or any other bonus points multiplier.

Extraordinary Experiences [Level 3 and Level 4 cardholders only]

The purchase price of any Extraordinary Experience is exclusive of taxes and fees; additional surcharges
and handling fees may apply to individual components of each Extraordinary Experience. Unless otherwise
stated, packages do not include airfare, lodging accommodations, transportation, or parking. All incidentals
incurred during the Extraordinary Experience are the responsibility of the guest. A detailed itinerary will be
provided to Nordstrom cardholders who purchase an Extraordinary Experience. Once any tickets that are
part of an Extraordinary Experience have been issued to a cardholder, we are not responsible for the theft,
loss, delay, destruction, or misplacement of any tickets mailed, delivered by courier or other express
delivery, or left at will-call, hotel front desks, and concierge desks. Unless otherwise stated, Extraordinary
Experiences must be canceled no later than thirty (30) days prior to scheduled arrival date in order to
receive a full refund, with the exception of theater tickets, which are non-refundable once booked. The
costs of the Extraordinary Experience, incidentals, and merchandise purchased directly from the merchant
using your Nordstrom Visa Card will receive one Rewards point for every dollar in Net Purchases made.
Extraordinary Experiences and individual components of the Extraordinary Experiences are non-
transferable. You must be a Nordstrom cardholder to purchase an Extraordinary Experience, and you must
purchase and conclude your trip by the date specified or end of the current calendar year if no date
restrictions are stated. A Nordstrom cardholder must be at least 21 years of age to purchase any
Extraordinary Experience, and minors participating in an Extraordinary Experience must be accompanied
by a parent or guardian who is a Nordstrom cardholder. You remain eligible to purchase the specified
benefit as long as your Nordstrom Card remains open and you have complied with all of your obligations
under the Cardholder Agreement.

VIP Access to In-Store Events [Level 4 cardholders only]

Level 4 cardholders will receive VIP access to exclusive shopping experiences, benefits, or events at
selected Nordstrom stores. Exclusive shopping experiences and events are not predetermined and are
developed throughout the Program benefit year at our sole discretion. Participation in an exclusive
shopping experience or event is not guaranteed due to limited dates, times, and locations. VIP access to

an exclusive shopping experience or event may have other limitations and/or be subject to other
restrictions. Complete details for exclusive shopping experiences and events will be sent to eligible
Nordstrom cardholders prior to the experience or event in an invitation or other communication. VIP
Access has no cash value and is non-transferable. You remain eligible to participate in this benefit as long
as your Nordstrom Card remains open and you have complied with all of your obligations under the
Cardholder Agreement. If your Nordstrom Card is closed or you have not complied with your obligations
under the Cardholder Agreement, as of the day of an experience or event, your VIP Access will be
canceled.

Arbitration

Please read this arbitration provision carefully. Unless you send us the rejection notice
described in this document, this provision will apply to you and, as a result, either one of us can
elect to subject any Rewards Dispute between us to individual arbitration. This means that: (1)
a court or jury will not resolve the Rewards Dispute; (2) you will not be able to participate in a
class action or similar proceeding to resolve the Rewards Dispute; and (3) your appeal rights
during and after arbitration will be limited.

As used in this arbitration provision, a "Rewards Dispute" means any claim or controversy between us that
in any way arises from or relates to the Program, including, but not limited to, these 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 Cardholder 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, P.O. Box 21865, Seattle, Washington 98111; ATTN: ARBITRATION DEMAND
or we must send a written notice to you at the most current address we have on file for you. This notice
can be given at any time before or after the beginning of a lawsuit by either party and may be included in
papers filed in the lawsuit. The party seeking arbitration must select as the arbitration administrator either
the American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York, NY 10019, adr.org,
1.800.778.7879, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, jamsadr.com,
1.800.352.5267. You can contact the AAA or JAMS to find out more information on how to commence an
arbitration proceeding.

The arbitrator(s) will be appointed in accordance with the procedures of the arbitration administrator, and
must be a lawyer with at least 10 years of legal experience. The arbitration will take place in the federal
judicial district where you reside and either one of us may elect to appear by telephone. We will pay the
arbitration filing fee and consider requests to advance additional costs and fees on your behalf. If you
receive a favorable award from the arbitration proceeding, we will reimburse you for the reasonable costs
and fees of arbitration (but this does not include fees of attorneys, experts or consultants, unless
applicable law provides you a right to recover those fees).

YOU AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US IN A CLASS ACTION, REPRESENTATIVE
ACTION OR SIMILAR PROCEEDING IN COURT OR ARBITRATION. YOU ALSO AGREE NOT TO BRING A
REWARDS DISPUTE AGAINST US ON BEHALF OF ANY OTHER PERSON, AND YOU AGREE THAT NO OTHER
PERSON MAY BRING A REWARDS DISPUTE AGAINST US ON YOUR BEHALF. YOU MAY NOT JOIN A
REWARDS DISPUTE IN A SINGLE ARBITRATION WITH A REWARDS DISPUTE OF ANY OTHER PERSON. IF
YOU TRY TO ASSERT ANY REWARDS DISPUTES IN A CLASS ACTION OR SIMILAR PROCEEDING, WE CAN
REQUIRE THAT IT BE RESOLVED IN INDIVIDUAL (NON-CLASS) ARBITRATION. THIS PARAGRAPH IS
REFERRED TO AS THE "CLASS ACTION PARAGRAPH."

YOU AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US IN A PRIVATE ATTORNEY GENERAL ACTION
IN COURT OR ARBITRATION.

If you do not want this arbitration provision to apply, you must reject it in writing by mailing us a written
rejection notice containing your name legibly printed, the last four digits of your Nordstrom Card number,

a statement that you reject the arbitration provision, and your signature. The rejection notice must be sent
by you to us at Nordstrom, P.O. Box 21865, Seattle, Washington 98111. Your rejection notice is effective
only if it meets the above requirements, is signed by you and we receive it within sixty (60) calendar days
after the date we first provide you with the Rewards Terms and Conditions containing the arbitration
provision. Subsequent republications or delivery of the Rewards Terms and Conditions will not trigger
another right to reject the arbitration provision. Your rejection of this arbitration provision will not affect
any other provision of the Rewards Terms and Conditions.

This arbitration provision is governed by the Federal Arbitration Act (the "FAA"). The arbitrator(s) must
follow: (1) the FAA; (2) all other applicable substantive law (except when contradicted by the FAA); (3)
any applicable statute of limitations; and (4) rules as to valid claims of privilege. Further, the arbitrator(s)
shall issue a written decision including the reasons for the award upon either party's request. The decision
of the arbitrator(s) will be final and binding, except for any appeal right under the FAA.

This arbitration provision will survive the termination of the Rewards Terms and Conditions or your
relationship with us. If any part of this arbitration provision is found to be void or unenforceable under
applicable law, all other parts of this arbitration provision and of the Rewards Terms and Conditions will
still apply; except that if the Class Action Paragraph is found to be void or unenforceable in any way, this
entire arbitration provision shall be deemed void and shall not apply, but all other parts of the Rewards
Terms and Conditions will still apply.

CUSTOMER SERVICE:

For questions or assistance, just give us 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 02/18