FRONT:everything prints black

Artwork prints 35% black

032697C Credit Card Packages Visa Sig booklet 1/1FLAT SIZE: 5˝ x 8 finished, 24 pagesSTOCK: same as previous WEIGHT: xxx COLOR: xxxFRONT/OUTSIDE INK: black BACK/INSIDE INK: blackBINDERY: trim, fold, stitch FONTS USED: Didot, Interstate

NORDSTROM VISA SIGNATURE®

GUIDE TO ENHANCEMENTS

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Welcome to the World of Nordstrom Visa sigNature®

You can count on your new Visa Signature card to enhance your life — and your every shopping experience. It includes a world of wonderful benefits designed to make your life easier.

Keep this guide on hand — it’s your go-to source for information on the countless features, services and conveniences available to you.

Thank you for choosing the Nordstrom Visa Signature card. Enjoy!

Nordstrom Visa sigNature® beNefits at-a-glaNce

get reWarded Just for shoppiNgYou’ll earn rewards points for every net dollar you spend at Nordstrom and everywhere Visa credit cards are accepted. Accumulate 2,000 rewards points, and we’ll send you a $20 Nordstrom Note to put toward something wonderful in Nordstrom stores, catalogs or online.* And that’s just the beginning of the fabulous benefits of the Nordstrom Fashion Rewards® program: the more you spend the better they get when you use your Nordstrom card at Nordstrom, Nordstrom Rack and nordstrom.com.

For Terms and Conditions, see page 3.

*You may redeem one Nordstrom Note per online order.

eNhaNce Your card With the traVel optioNAt any time, you may choose to participate in our alternative travel points option, which substitutes 1 travel point for 1 rewards point for each net dollar spent everywhere Visa credit cards are accepted, including all your Nordstrom purchases. For complete information, see pages 5–6.

THIS GUIDE TO BENEFIT DESCRIBES THE BENEFIT IN EFFECT AS OF 4/1/11. THIS BENEFIT AND DESCRIpTION SUpERSEDES ANY pRIOR BENEFIT AND DESCRIpTION YOU MAY HAVE RECEIVED EARlIER. plEASE READ AND RETAIN FOR YOUR RECORDS. YOUR ElIGIBIlITY IS DETERMINED BY THE DATE YOUR FINANCIAl INSTITUTION ENROllED YOUR ACCOUNT IN THE BENEFIT.

coNcierge serVice1

For assistance with everything from reservations to event tickets and services, just call 1.866.445.0433 — 24 hours a day, 7 days a week. Details on page 7.

Visa sigNature® beNefitsEnjoy instant access to dozens of everyday perks, once-in-a-lifetime experiences and fine wine and food events, through visa.com/signature.

get the greatest Value at some of the World’s fiNest propertiesReceive the best available rate, free in-room internet or valet parking and more when you book through the Visa Signature luxury Hotel Collection. For details, visit visasignaturehotels.com.

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more speNdiNg poWerEnjoy the freedom of no preset spending limit, allowing you to shop with confidence.2

Year-eNd summarY statemeNtOur year-end summary statements ease your record keeping by offering an at-a-glance view of your account.

1 Cardholders are responsible for the cost of any goods or services purchased by the concierge service on cardholder’s behalf.

2 No preset spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit access line will be evaluated based on your account spending and payment history, as well as your experience

with other creditors.

roadside dispatch3

Should you need emergency roadside assistance, towing or lockout services, Visa Roadside Dispatch provides a 24-hour, toll-free dispatch network, 1.800.VISA.TOW (1.800.847.2869).

auto reNtal collisioN damage WaiVer3

Receive reimbursement for damage due to collision or theft of a rental car. Details on page 9.

lost luggage reimbursemeNt3

Get reimbursed for your checked luggage, carry-on luggage and its contents up to $3,000. Details on page 14.

$500,000 traVel accideNt iNsuraNce3

When you charge your entire travel fare to your Nordstrom Visa Signature card, receive coverage for common carrier accidental death or dismemberment. Details on page 16.

traVel aNd emergeNcY assistaNce serVices3

Get help coordinating medical, legal and travel services while you’re away from home. Details on page 19.

purchase securitY3

Within the first 90 days of purchase with your Nordstrom Visa Signature card, have your items replaced or repaired—or receive reimbursement for them — in the event of theft or other covered reasons. Details on page 20.

WarraNtY maNager serVice3

Get double the time period of the original manufacturer’s warranty coverage, plus more convenient features, with just one phone call. Details on page 2 .

3 Certain terms, conditions and exclusions apply. please refer to the following pages for details.

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Nordstrom Visa signature®

fashion rewards, concierge service, andalternative travel points option terms and conditions

To better serve your needs, we have outlined the terms and conditions of Nordstrom Fashion Rewards for your Nordstrom Visa Signature card in the following pages:

The following Terms and Conditions are accurate as of the print date of January 1, 2012. To learn about any updates to Fashion Rewards benefits, and the Terms and Conditions, please visit nordstrombank.com. Then click on the link for the pDF version of the Guide to Enhancements under footnote 1 near the bottom of that page.

As used in these Terms and Conditions, “you,” or “your” means each Nordstrom Visa Signature credit card accountholder obligated on the account and participating in Nordstrom Fashion Rewards and/or the alternative travel points option, or using the Concierge Service and the terms “we,” “our,” and “us” mean Nordstrom Bank. For purposes of these Terms and Conditions, the phrase “net purchases” means purchases less returns. By participating in Nordstrom Fashion Rewards and/or the alternative travel points option, or your use of the Concierge Service, you agree to be bound by these Terms and Conditions. These Terms and Conditions are in addition to your Nordstrom Bank Cardholder Agreement; Consumer Disclosures.

general terms and conditionsThese Terms and Conditions shall be construed and interpreted under the laws of the state of Arizona, without regard to any Arizona conflicts of law provisions.

Nordstrom Bank reserves the right to amend or modify the Nordstrom Fashion Rewards program and/or the alternative travel points option at any time and in any way (including, our right to discontinue benefits or expire points, as explained more fully below, to change the benefits, or to adjust the number of points earned for each dollar of net purchases). We will give you notice if we discontinue the Nordstrom Fashion Rewards program, the alternative travel points option, or any material aspect of this program. Value of Nordstrom Notes and the redemption of travel points will be applied against the total purchase price of the goods, services, or Qualified Travel purchases (as defined below), including applicable taxes and fees. You may redeem one Nordstrom Note per online order. Nordstrom Notes may not be redeemed for international online orders. Nordstrom Notes may not be used as payment on your Nordstrom Visa Signature account.

The alternative travel points option and many of the benefits associated with the Nordstrom Fashion Rewards program are offered exclusively through Nordstrom Bank or its parent company, Nordstrom, Inc. In some cases, Nordstrom, Inc. or Nordstrom Bank may contract with independent contractors to administer select benefits of the Nordstrom Fashion Rewards program or the alternative travel points option. Nordstrom, Inc. and Nordstrom Bank do not own or control the independent contractors used to administer such benefits and Nordstrom, Inc., Nordstrom Bank, the independent contractors and their respective affiliates and subsidiaries do not maintain control over the independent suppliers used to fulfill the benefits associated with the Nordstrom Fashion Rewards program or alternative travel points option. Nordstrom, Inc., Nordstrom Bank and their independent contractors do not assume responsibility in connection with any travel or other services provided by any independent supplier. You hereby release Nordstrom, Inc., Nordstrom Bank, its independent contractors, and/or any of their affiliates and subsidiaries from any responsibility and/or liability for any loss, injury, damage, accident, delay, inconvenience, or irregularity that any person may suffer due to any cause whatsoever relating to, arising out of or in connection with the alternative travel points option and/or the Nordstrom Fashion Rewards program, or the use of any facilities, services or goods in connection with any travel or other service provided by any independent supplier.

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You are responsible for any tax liability you may incur related to your participation in the alternative travel points option or your purchase of benefits associated with the Nordstrom Fashion Rewards program. In addition to Nordstrom Bank’s rights as explained under the heading “When are points and/or benefits forfeited?,” Nordstrom Bank reserves the right to cancel your participation in Nordstrom Fashion Rewards, your membership in the alternative travel points option, and/or your access to the Concierge Service in the event of fraud, abuse of rewards privileges, or violation of these Terms and Conditions.

In order to access the Concierge Service and certain benefits associated with Nordstrom Fashion Rewards, you understand and agree that you may be asked to provide personal information about yourself, such as your shipping address, credit card information, and billing address, and that the information you provide will be disclosed to merchants and other third parties as necessary to complete your transaction. Nordstrom, Inc., Nordstrom Bank, and its independent contractors have no control over, and no responsibility or liability for, the use by any merchants or other third parties of personal information or any other information that such parties independently acquire from you or that is given to such parties to process your transactions or fulfill your benefits.

Who is eligible?When we approve your Nordstrom Visa Signature credit card application, you are automatically enrolled in level 1 of the Nordstrom Fashion Rewards program and will receive rewards points for net purchases made with your Nordstrom Visa Signature card. Your eligibility for levels 2, 3, and 4 of Nordstrom Fashion Rewards will be reviewed quarterly and will be based on your net purchases made with your Nordstrom Visa Signature card at Nordstrom stores, Nordstrom Rack, nordstrom.com, and through Nordstrom catalogs (“net purchases at Nordstrom”). level 2 requires an annual minimum of $2,000 in net purchases at Nordstrom; level 3 requires an annual minimum of $5,000 in net purchases at Nordstrom; and level 4 requires an annual minimum of $10,000 in net purchases at Nordstrom. Once you reach the qualifying net purchases at Nordstrom for levels 2, 3, or 4, your benefits at each level include the category of benefits associated with the preceding level(s) of the Nordstrom Fashion Rewards program. participation in the alternative travel points option requires your affirmative request.

You remain eligible to receive rewards points, the benefits associated with level 1, 2, 3, or 4 (subject to the qualifying net purchases at Nordstrom stated above) and/or travel points as long as your Nordstrom account remains open and Nordstrom Bank has not revoked your charging or purchasing privileges. You remain eligible to redeem travel points and Nordstrom Fashion Rewards benefits as long as your account remains open and Nordstrom Bank has not revoked your charging privileges. Nordstrom employees and Nordstrom purchases receiving an employee discount will earn rewards points for net purchase with a Nordstrom Credit Card or Nordstrom debit card, but will not be eligible for any other benefits associated with level 1, 2, 3, and 4.

how do points accrue?If you are participating solely in Nordstrom Fashion Rewards (and are not participating in the alternative travel points option), you will receive two rewards points for every dollar in net purchases at Nordstrom made with your Nordstrom Visa Signature card and you will receive one rewards point for every dollar in net purchases made with your Nordstrom Visa Signature card anywhere Visa credit cards are accepted. For international orders placed on nordstrom.com, you will receive one rewards point for every dollar in purchases. International orders are not eligible for any bonus rewards points opportunities.

If you are participating in the alternative travel points option, you have chosen to substitute one travel point for one rewards point for each net dollar you charge to your Nordstrom Visa Signature

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card everywhere Visa credit cards are accepted, including all of your Nordstrom purchases. If you enroll in the alternative travel points option at a date later than when you open your account, you will not receive retroactive travel points for net purchases charged to your account prior to the date you elect to enroll in the alternative travel points option. Your enrollment in the alternative travel points option does not alter or change your participation in or the benefits associated with levels 1, 2, 3, or 4 of the Nordstrom Fashion Rewards program (subject to the qualifying net purchases at Nordstrom stated above).

You may not combine or transfer your rewards points with your travel points; you may not combine your travel points with any other travel points received on any other account issued by Nordstrom Bank; and you may not combine travel points with any airline frequent flier program award miles.

how are Nordstrom rewards points and/or fashion rewards benefits redeemed?You will receive a $20 Nordstrom Note for every 2,000 rewards points. Rewards points are updated monthly at the time of your Nordstrom monthly billing statement and Nordstrom Notes are generated a short time thereafter.

You will receive notice that you have reached Nordstrom Fashion Rewards levels 2, 3 or 4 after you have achieved the qualifying dollars in net purchases at Nordstrom. At that time, you will also receive information about the then-current list of benefits associated with your level and how to redeem those benefits. You may also receive additional information about more benefits from time to time.

Some of the benefits may have restrictions associated with them, may require you to purchase the benefit, may have limited available quantities, and may only be available while supplies last, and/or may be subject to other restrictions. We will explain applicable restrictions to you when you receive information about the benefit.

The complimentary standard in-store shipping and alterations benefits require that you use your Nordstrom Visa Signature card to purchase the Nordstrom item associated with the shipping and/or alteration and further require you to charge the shipping and/or alteration fee to your Nordstrom Visa Signature card. The shipping and/or alteration fee will be refunded on your next monthly billing statement following the purchase. The alterations benefit is not cumulative as you progress through the Fashion Rewards levels. This means, for example, if you are at a level where the total alterations benefit is $100 and you have used $100, when you progress to a level that provides for $300, you will have $200 left to use. The alterations benefit is not available for international online orders. The complimentary standard in-store shipping benefit is not available for international shipments.

how are travel points redeemed?You may redeem travel points for a billing statement credit against your Nordstrom Visa Signature outstanding balance for your “Qualified Travel purchases” (as defined below) according to the Travel point Redemption Schedule set forth below. A “Qualified Travel purchase” is a purchase you charge to your Nordstrom Visa Signature account at airlines; train and rail ticket outlets; hotels; car rental companies; cruise lines; travel agencies; and online travel booking services. When you call us to redeem your travel points, you may combine multiple Qualified Travel purchases, subject to the restrictions set forth below.

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travel point redemption schedule

Number of earned travel points You redeem:

You Will receive a credit up to:

10,000 $100

20,000 $200

25,000 $313

30,000 $375

40,000 $500

50,000 $875

60,000 $1,050

70,000 $1,225

80,000 $1,400

90,000 $1,575

100,000 $1,750

There is no maximum to the amount of earned travel points you may redeem during any single redemption request; however, you must redeem your earned travel points based on the increments set forth in the Travel point Redemption Schedule. You may redeem earned travel points in excess of 100,000 points; however, your travel point redemption request in excess of 100,000 points must be made in 10,000 point increments. We will tell you the amount of credit you are eligible to receive when you call to make a travel point redemption request in excess of 100,000 points.

The billing statement credit you will receive will not exceed the amount of your Qualified Travel purchase(s). For example, if you have a charge at an airline for $315 and a car rental company for $150 and you have earned at least 40,000 travel points, you may redeem 25,000 travel points for a $313 credit, or you may redeem 30,000 travel points for a $375 credit, or you may redeem 40,000 travel points for a $465 credit.

In order to redeem earned travel points for a Qualified Travel purchase, you will need to call us at 1.866.445.0433. You may call to redeem your earned travel points only after the Qualified Travel purchase(s) has posted to your Nordstrom Visa Signature account. We must receive your travel point redemption request within 60 days after the Qualified Travel purchase posts to your Nordstrom Visa Signature account. You will be asked to provide the following information when you call to redeem your travel points: (a) the date you purchased the Qualified Travel purchase; (b) the name of the merchant; (c) type of Qualified Travel purchase and; (d) the amount of the Qualified Travel purchase.

Your Nordstrom Visa Signature account will be charged the full amount of the Qualified Travel purchase. We will post your credit to your Nordstrom Visa Signature billing statement within two business days after you call to redeem your earned travel points. You may not withhold any payment due on your Nordstrom Visa Signature account because you believe you will receive a credit for redeeming travel points. Your request to redeem earned travel points is permanent and will not be reversed for any reason, even if, for example, you subsequently receive a credit from the merchant from whom you made a Qualifying Travel purchase.

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When are points and/or benefits forfeited?You will forfeit all accumulated and unused travel points when Nordstrom Bank revokes your charging privileges. You will forfeit all accumulated and unused rewards points if you fail to pay two or more consecutive minimum payments due on your Nordstrom Visa Signature account. You will forfeit all access to all of the benefits associated with levels 1, 2, 3, and 4 of Nordstrom Fashion Rewards when your Nordstrom Visa Signature account is closed and/or you fail to pay two or more consecutive minimum payments on your account.

When do points and/or benefits expire?All points and benefits expire when your account is closed. The following rules apply as long as your account is not closed: rewards points earned and not redeemed for Nordstrom Notes shall expire three (3) years from the last day of the year in which the points were earned. Travel points expire three (3) years from the last day of the calendar year in which the travel points were earned unless you have made purchases using your Nordstrom Visa Signature account in the preceding twelve (12) months. If you have travel points older than (3) years and you have not made purchases using your Nordstrom Visa Signature account in the preceding twelve (12) months, your travel points older than three (3) years will expire on the last day of the third calendar year from the year in which you earned the travel points. The benefits associated with levels 1, 2, 3, and 4 of Nordstrom Fashion Rewards shall expire twelve (12) months after the calendar year in which you achieved the qualifying dollars in net Nordstrom purchases.

how does the concierge service work?You and your authorized users have access to the Concierge Service. You may request the Concierge Service by calling Nordstrom Customer Service at 1.866.445.0433, 24 hours a day, 7 days a week. The Concierge Service is available for your personal use and the personal use of your authorized users only.

You may be asked to verify your status as a Nordstrom Visa Signature® cardholder whenever you use the Concierge Service. You will continue to have access to the Concierge Service as long as your account remains open and Nordstrom Bank has not revoked your charging privileges. The Concierge Service is a service offered through Nordstrom Bank. Nordstrom Bank has contracted with Nordstrom, Inc. and one or more independent contractors to administer the Concierge Service. Nordstrom Bank, Nordstrom, Inc., any independent contractors administering Concierge Services, and their respective affiliates and subsidiaries (1) do not maintain control over the merchants and other third parties used to complete your transaction or service request; (2) do not assume responsibility for any actions in connection with any transaction or service provided by any merchant or other third party; and (3) do not provide, endorse, or guarantee the products orservices you purchase through this service. You hereby release Nordstrom Bank, Nordstrom, Inc., any independent contractors administering Concierge Services, and any of their respective affiliates and subsidiaries from any responsibility and/or liability for any loss, injury, damage, accident, delay, inconvenience, or irregularity that any person may suffer due to any causewhatsoever relating to, arising out of or in connection with the Concierge Service or the use of any facilities, services or products in connection with any transaction or service provided through the Concierge Service to any person by any merchant or other third party.

arbitratioNplease 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 fashion rewards dispute between us to individual arbitration. this means that: (1) a court or jury will not resolve the fashion rewards dispute; (2) you will not be able to participate in a class action or similar proceeding to resolve the fashion rewards dispute; and (3) your appeal rights during and after arbitration will be limited.

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When are points and/or benefits forfeited?You will forfeit all accumulated and unused travel points when Nordstrom Bank revokes your charging privileges. You will forfeit all accumulated and unused rewards points if you fail to pay two or more consecutive minimum payments due on your Nordstrom Visa Signature account. You will forfeit all access to all of the benefits associated with levels 1, 2, 3, and 4 of Nordstrom Fashion Rewards when your Nordstrom Visa Signature account is closed and/or you fail to pay two or more consecutive minimum payments on your account.

When do points and/or benefits expire?All points and benefits expire when your account is closed. The following rules apply as long as your account is not closed: rewards points earned and not redeemed for Nordstrom Notes shall expire three (3) years from the last day of the year in which the points were earned. Travel points expire three (3) years from the last day of the calendar year in which the travel points were earned unless you have made purchases using your Nordstrom Visa Signature account in the preceding twelve (12) months. If you have travel points older than (3) years and you have not made purchases using your Nordstrom Visa Signature account in the preceding twelve (12) months, your travel points older than three (3) years will expire on the last day of the third calendar year from the year in which you earned the travel points. The benefits associated with levels 1, 2, 3, and 4 of Nordstrom Fashion Rewards shall expire twelve (12) months after the calendar year in which you achieved the qualifying dollars in net Nordstrom purchases.

how does the concierge service work?You and your authorized users have access to the Concierge Service. You may request the Concierge Service by calling Nordstrom Customer Service at 1.866.445.0433, 24 hours a day, 7 days a week. The Concierge Service is available for your personal use and the personal use of your authorized users only.

You may be asked to verify your status as a Nordstrom Visa Signature® cardholder whenever you use the Concierge Service. You will continue to have access to the Concierge Service as long as your account remains open and Nordstrom Bank has not revoked your charging privileges. The Concierge Service is a service offered through Nordstrom Bank. Nordstrom Bank has contracted with Nordstrom, Inc. and one or more independent contractors to administer the Concierge Service. Nordstrom Bank, Nordstrom, Inc., any independent contractors administering Concierge Services, and their respective affiliates and subsidiaries (1) do not maintain control over the merchants and other third parties used to complete your transaction or service request; (2) do not assume responsibility for any actions in connection with any transaction or service provided by any merchant or other third party; and (3) do not provide, endorse, or guarantee the products orservices you purchase through this service. You hereby release Nordstrom Bank, Nordstrom, Inc., any independent contractors administering Concierge Services, and any of their respective affiliates and subsidiaries from any responsibility and/or liability for any loss, injury, damage, accident, delay, inconvenience, or irregularity that any person may suffer due to any causewhatsoever relating to, arising out of or in connection with the Concierge Service or the use of any facilities, services or products in connection with any transaction or service provided through the Concierge Service to any person by any merchant or other third party.

arbitratioNplease 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 fashion rewards dispute between us to individual arbitration. this means that: (1) a court or jury will not resolve the fashion rewards dispute; (2) you will not be able to participate in a class action or similar proceeding to resolve the fashion rewards dispute; and (3) your appeal rights during and after arbitration will be limited.

As used in this arbitration provision, a “Fashion Rewards Dispute” means any claim or controversy between us that in any way arises from or relates to the Nordstrom Fashion Rewards program, including, but not limited to, the Nordstrom Fashion Rewards Terms and Conditions, the issuance or redemption of Nordstrom Notes, Nordstrom Fashion Rewards points, the alternative travel points option, other services and events access. Fashion 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). Fashion 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. Fashion Rewards Dispute does not include any dispute arising out of the terms and conditions of your credit card, debit card, or check card agreement with Nordstrom Bank, such as the collection of any balance on your account.

If one of us elects to arbitrate a Fashion Rewards Dispute, it will be resolved by mandatory binding arbitration. The electing party must notify the other party in writing. To make an election to arbitrate, you must send a written notice to Nordstrom Bank, p.O. Box 13579, Scottsdale, AZ 85267; ATTN: ARBITRATION DEMAND or we must send a written notice to you at the most current address we have on file for you. This notice can be given at any time before or after the beginning of a lawsuit by either party and may be included in papers filed in the lawsuit. The party seeking arbitration must select as the arbitration administrator either the American Arbitration Association (“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org, 1.800.778.7879, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.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 ten 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 FASHION REWARDS DISpUTE AGAINST US IN A ClASS ACTION, REpRESENTATIVE ACTION OR SIMIlAR pROCEEDING IN COURT OR ARBITRATION. YOU AlSO AGREE NOT TO BRING A FASHION REWARDS DISpUTE AGAINST US ON BEHAlF OF ANY OTHER pERSON, AND YOU AGREE THAT NO OTHER pERSON MAY BRING A FASHION REWARDS DISpUTE AGAINST US ON YOUR BEHAlF. YOU MAY NOT JOIN A FASHION REWARDS DISpUTE IN A SINGlE ARBITRATION WITH A FASHION REWARDS DISpUTE OF ANY OTHER pERSON. IF YOU TRY TO ASSERT ANY FASHION 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 FASHION REWARDS DISpUTE AGAINST US IN A pRIVATE ATTORNEY GENERAl ACTION IN COURT OR ARBITRATION.

If you do not want this arbitration provision to apply, you must reject it in writing by mailing us a written rejection notice containing your name legibly printed, the last four digits of your Nordstrom card number, a statement that you reject the arbitration provision, and your signature. The rejection notice must be sent by you to us at Nordstrom Bank, p.O. Box 13579, Scottsdale, AZ 85267. Your rejection notice is effective only if it meets the above requirements, is signed by you and we receive it within sixty (60) calendar days after the date we first provide you with the Nordstrom Fashion Rewards Terms and Conditions containing the arbitration provision. Subsequent republications or delivery of the Nordstrom Fashion Rewards Terms and Conditions will not trigger

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another right to reject the arbitration provision. Your rejection of this arbitration provision will not affect any other provision of the Nordstrom Fashion 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 Nordstrom Fashion 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 Nordstrom Fashion 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 Nordstrom Fashion Rewards Terms and Conditions will still apply.

Nordstrom Bank is a trade name of Nordstrom fsb, a wholly owned subsidiary of Nordstrom, Inc.

01/12

auto reNtal collisioN damage WaiVer

What is this benefit?Subject to the terms and conditions provided in this Guide to Benefit, the Visa Signature Auto Rental Collision Damage Waiver benefit (“Auto Rental CDW”) provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. In your country of residence, this benefit is supplemental to, and excess of, any valid and collectible insurance from any other source. We will reimburse you only for the damage or theft not payable by any other party. Here are answers to some commonly asked questions about the benefit.

Who is eligible?You are eligible only if you are a valid cardholder whose name is embossed on an eligible U.S.- issued Visa Signature card. Only you as the primary renter of the vehicle and any additional drivers permitted by the auto rental agreement are covered.

What is covered?Subject to the terms and conditions in this Guide to Benefit, if you do not have personal automobile insurance or any other insurance covering this theft or damage, this benefit reimburses you for the covered theft or damage as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges that occur while you are responsible for the rental vehicle. If you have personal automobile insurance or other insurance covering this theft or damage, the Visa Signature Auto Rental CDW benefit reimburses you for the deductible portion of your personal automobile insurance and any unreimbursed portion of valid administrative and loss-of-use charges imposed by the auto rental company, as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your responsibility. Only vehicle rental periods that neither exceed nor are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence are covered. The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but some restrictions may apply. please contact the Benefit Administrator to inquire about a specific vehicle.

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Within your country of residence, this benefit supplements, and applies excess of, any valid and collectible insurance or reimbursement from any source. this means that, subject to the terms and conditions of this guide to benefit, Visa signature auto rental cd W applies to eligible theft or damage or expenses that are not covered by insurance or reimbursement.

the benefit covers:• physical damage and/or theft of the covered rental vehicle.• Valid loss-of-use charges imposed and substantiated by the auto rental company through a fleet

utilization log.• Reasonable and customary towing charges, due to a covered theft or damage, to the nearest qualified repair facility.

how do i activate this benefit?For the benefit to be in effect, you must:• Initiate and complete the entire rental transaction with your eligible Visa Signature card, and • Decline the auto rental company’s collision damage waiver (CDW/lDW) option, or similar provision.

Helpful hints:• Check the rental vehicle for prior damage before leaving the rental lot.• Review the auto rental agreement carefully to make sure you are declining CDW/lDW and also to

familiarize yourself with the terms and conditions of the auto rental agreement.

What do i do if i have an accident or the rental vehicle is stolen?Immediately call the Benefit Administrator at 1.800.397.9010 to report the theft or damage regardless of whether your liability has been established. If you are outside the United States, call collect at 303.967.1093 . The Benefit Administrator will answer any questions you or the rental agency may have and will then send you a claim form.

all incidents must be reported immediately following the theft or damage, but in no event later than forty-five (45) days* following the date of the theft or damage. Furthermore, we reserve the right to deny any claim that contains charges that would not have been included had the Benefit Administrator been notified before those expenses were incurred. We therefore advise you to notify us immediately after any incident. You must make every reasonable effort to protect the rental vehicle from theft or damage.

What is not covered?• Any obligation you assume under any agreement (other than the deductible under your personal

auto policy).• Any violation of the auto rental agreement or this benefit.• Injury of anyone or damage to anything inside or outside the rental vehicle.• loss or theft of personal belongings.• personal liability.• Expenses assumed, waived, or paid by the auto rental company or its insurer.• Cost of any insurance or collision damage waiver offered by or purchased through the auto

rental company.• Depreciation of the rental vehicle caused by the incident including, but not limited to

“diminished value.”• Expenses reimbursable by your insurer, employer, or employer’s insurance.• Theft or damage due to intentional acts, or due to the driver(s) being under the influence of

alcohol, intoxicants, or drugs, or due to contraband or illegal activities.• Wear and tear, gradual deterioration, or mechanical breakdown.• Items not installed by the original manufacturer.• Damage due to off-road operation of the rental vehicle.

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• Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities).

• Confiscation by authorities.• Vehicles that do not meet the definition of covered vehicles.• Rental periods that either exceed or are intended to exceed fifteen (15) consecutive days within

your country of residence or thirty-one (31) consecutive days outside your country of residence.• leases and mini leases.• Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care

in protecting the rental vehicle before and after damage occurs (for example, leaving the vehicle running and unattended).

• Theft or damage reported more than forty-five (45) days* from the date of incident.• Theft or damage for which a claim form has not been received within ninety (90) days* from the

date of the incident.• Theft or damage for which all required documentation has not been received within three hundred

and sixty-five (365) days from the date of the incident.• Theft or damage from rental transactions which originated in Israel, Jamaica, the Republic of

Ireland, or Northern Ireland.

What if the auto rental company insists that i purchase the auto rental company’s autoinsurance or collision damage waiver?Call the Benefit Administrator at 1.800.397.9010 for help. If you are outside the United States, call collect at 303.967.1093.

*Not applicable to residents of certain states.

When and where do i have this benefit?This benefit is available in the United States and most foreign countries. No benefit is provided for motor vehicles rented in israel, Jamaica, the republic of ireland, or Northern ireland. Additionally, this benefit is not available where precluded by law or in violation of the territory terms of the auto rental agreement or prohibited by individual merchants. because regulations vary outside the united states, we recommend you check with your auto rental company and the benefit administrator before you travel to make sure Visa signature auto rental cdW will apply.

This benefit is in effect while the rental vehicle remains in your control or in the control of an authorized driver permitted to operate the rental vehicle in accordance with the rental agreement between you and the auto rental company. This benefit terminates when the auto rental company re-assumes control of the rental vehicle.

how does this benefit apply?Within your country of residence, Visa Signature Auto Rental CDW supplements, and applies excess of, any valid and collectible insurance or reimbursement from any source. It does not duplicate insurance provided by or purchased through the auto rental company; it will not pay for theft or damage reimbursable by your own insurer, employer, employer’s insurance, or any other valid and collectible reimbursement; however, it will pay for the outstanding deductible portion or other charges, including valid administration and loss-of-use charges not covered by your applicable automobile insurance policy. Outside your country of residence or if you do not have automobile insurance, you do not have to claim payment from any other source of insurance before receiving the benefit. What types of rental vehicles are not covered?Excluded worldwide are: expensive, exotic, and antique automobiles; certain vans; vehicles

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that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles.

Examples of excluded expensive or exotic automobiles are the Aston Martin, Bentley, Bricklin, Daimler, Delorean, Excalibur, Ferrari, Jensen, lamborghini, lotus, Maserati, porsche, and Rolls Royce. However, selected models of BMW, Mercedes-Benz, Cadillac, and lincoln are covered.

An antique automobile is defined as any vehicle over twenty (20) years old or any vehicle that has not been manufactured for ten (10) years or more.

This benefit is provided for only those vans manufactured and designed to transport a maximum of eight (8) people including the driver and which is used exclusively to transport people.

If you have any questions regarding a specific vehicle, call the Benefit Administrator at 1.800.397.9010. If you are outside the United States, call collect at 303.967.1093.

What do i need from the auto rental company in order to file a Visa signature auto rental cdW claim?At the time of the theft or damage , or when you return the rental vehicle, immediately ask the autorental company for:• A copy of the accident report form and claim document, which should indicate the costs you are

responsible for and any amounts that have been paid toward the claim.• A copy of the initial and final auto rental agreement(s).• A copy of the repair estimate or itemized repair bill.• Two (2) photographs of the damaged vehicle, if available.• A police report, if obtainable.

how do i file a claim?You, the cardholder, are responsible for reporting your claim to the benefit administrator immediately, but in no event later than forty-five (45) days* from the date of theft or damage, or your claim will be denied. Notice to any other party will not suffice. Furthermore, we reserve the right to deny any claim that contains charges that would not have been included had the Benefit Administrator been notified before those expenses were incurred. We therefore advise you to notify us immediately after any theft or damage.

Submit the following documentation to the Benefit Administrator:• The completed and signed Visa Signature Auto Rental CDW Claim Form.

Your completed claim form must be postmarked within ninety (90) days* of the date of the theft or damage, even if all other required documentation is not yet available, or your claim will be denied.

• A copy of your receipt or monthly billing statement as proof that the entire vehicle rental was charged and paid for with your eligible Visa Signature card.

• A statement from your insurance carrier (and/or your employer or employer’s insurance carrier, if applicable) or other reimbursement showing the costs for which you are responsible and any amounts that have been paid toward the claim. Or, if you have no applicable insurance or reimbursement, a notarized statement of no insurance or reimbursement is required .

• A copy of the declaration page from your automobile insurance carrier.

The following documents must be obtained from the auto rental company and provided to the Benefit Administrator: • A copy of the accident report form.• A copy of the initial and final auto rental agreement(s).

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• A copy of the repair estimate or itemized repair bill.• Two (2) photographs of the damaged vehicle, if available.• A police report, if obtainable.• Any other documentation deemed necessary by the Benefit Administrator to

substantiate the claim. For faster filing or to learn more about Visa Signature Auto Rental CDW go to www.visa.com/eclaims. if you experience difficulty in obtaining all the required documents within ninety (90) days* of the date of theft or damage, just submit the claim form and any documentation you already have available. Note: all remaining documents must be postmarked within three hundred and sixty-five (365) days of the date of theft or damage.

do i have to do anything else?Usually not. Under normal circumstances, the claim will be finalized within fifteen (15) days after the Visa Signature Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate your claim. However, if the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment to you.You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.

*Not applicable to residents of certain states.

Additional provisions for Auto Rental CDW: You must make every effort that would be made by a reasonable and prudent person to protect the Rental Vehicle from theft or damage. This provision will not be unreasonably applied to avoid claims.

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.

Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the incident/occurrence. No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within twelve (12) months of the date of incident/occurrence.

No legal action for a claim may be brought against us until sixty (60) days after we receive proof of loss. After the expiration of three (3) years from the time written proof of loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought against us unless all the terms of this Guide to Benefit have been complied with fully.

This benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit described in this Guide to Benefit will not apply to Visa Signature cardholders whose accounts have been suspended or canceled.

Termination dates may vary by financial institutions. Visa and/or your financial institution can cancel or non-renew the benefit, and if so, we will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa Signature cardholder. It is insured by Indemnity Insurance Company of North America.

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FORM #VARCDW – 2010 (Stand 04/11)

lost luggage reimbursemeNt

how do i benefit from lost luggage reimbursement? When You pay for the entire cost of Common Carrier tickets with Your eligible Visa Signature card, You will be eligible to receive reimbursement for Your Checked luggage, carry-on luggage, and its contents for the difference between the “value of the amount claimed” and the Common Carrier’s payment, up to three thousand dollars ($3,000.00) per trip [in New York, coverage is limited to two thousand dollars ($2,000.00) per bag for New York residents], provided the luggage was lost due to theft or misdirection by the Common Carrier. The “value of the amount claimed” is the lesser of the actual purchase price of the item(s), the actual cash value of the item(s) at the time of theft or misdirection with deduction for depreciation, or the cost to replace the item(s). The Eligible person must take all reasonable means to protect, save, and/or recover any carry-on property at all times. This reimbursement is supplemental to and excess of any valid and collectible insurance and/or possible reimbursement from any other source.

What items are not covered? •Automobiles, automobile accessories and/or equipment; motorcycles, motors, bicycles (except when checked with the Common Carrier), boats, or other vehicles or conveyances. •Contact lenses, eyeglasses, sunglasses, hearing aids, artificial teeth, dental bridges, and prosthetic limbs. •Money, securities, credit or debit cards, checks, and traveler’s checks. •Tickets, documents (travel or otherwise), keys, coins, deeds, bullion, stamps, perishables, consumables, perfume, cosmetics, rugs and carpets, animals, cameras, sporting equipment, and household furniture. •property shipped as freight or shipped prior to trip departure date. •Items specifically identified or described in and insured under any other insurance policy. •losses arising from confiscation or expropriation by any government or public authority or detention by customs or other officials. •loss resulting from abuse, fraud, or hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection). •Business items, cellular telephones, or art objects.

definitionsbusiness items means items that are used in the purchase, sale, production, promotion, or distribution of goods or services (including, but not limited to, manuals, computers and their accessories, software, data, facsimile, samples, collateral materials, etc.).checked luggage means suitcases or other containers specifically designed for carrying personal belongings, for which a claim check has been issued to You by a Common Carrier.common carrier means any land, water, or air conveyance operated under a license for the transportation of passengers for hire and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, limousine services, or commuter rail or commuter bus lines.eligible person means a Visa Signature cardholder who pays for the specific occasions covered by using the eligible card.immediate family member means Your spouse or legal dependent children under age eighteen (18) [twenty-five (25) if enrolled as a full-time student at an accredited institution].You and Your means an Eligible person (as defined above) or Your Immediate Family Members who charged their trip to Your eligible Visa Signature card.

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What do i do if my luggage or its contents are lost or stolen?if Your luggage or its contents are lost or stolen, 1) immediately notify the common carrier to begin the common carrier’s claim process, and 2) immediately call the benefit administrator at 1.800.397.9010, or call collect at 303.967.1093. Notification to the Benefit Administrator must be made within twenty (20) days from the date the luggage was lost or stolen. The Benefit Administrator will answer any questions You may have and send You a special claim form.

how do i file a claim?Complete the claim form You receive from the Benefit Administrator. Mail the following items withinninety (90) days from the date the luggage was lost or stolen to the address provided:1. The completed claim form.2. A copy of Your charge slip or receipt, as proof that the Common Carrier tickets were charged and

paid for with Your eligible Visa Signature card.3. A copy of the check, settlement, denial, or explanation of coverage issued by the Common Carrier

together with a copy of the Common Carrier’s completed claim form, a list of the items lost and their value, and a copy of the luggage claim check (if applicable).

4. A copy of Your insurance declaration page or documentation of any settlement of the loss or theft.

5. Any other documentation deemed necessary by the Benefit Administrator to substantiate the loss or theft.

do i have to file a claim with my insurance company?Yes. If You have personal insurance (i.e. homeowner’s, renter’s, or other insurance applicable to the lost or stolen luggage or contents), You are required to file a claim with Your insurance company and submit a copy of any claim settlement along with Your completed claim form.

If the claim amount is within Your personal insurance deductible, the Benefit Administrator may, at its option, deem a copy of Your personal insurance declarations page to be sufficient.

transference of claimsAfter the provider has paid Your claim of loss or theft under this reimbursement benefit, all Your rights and remedies against any party in respect of this loss or damage will be transferred to the Benefit Administrator to the extent of the cost of payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.

additional provisions for lost luggage reimbursement:lost luggage Reimbursement is supplemental to and excess of any other valid and collectible avenue of recovery which is available to You, the eligible Visa Signature cardholder. We refund the excess amount once all other reimbursement has been exhausted up to the limit of liability.

This benefit is available only to You, the eligible Visa Signature cardholder. You shall use due diligence and do all things reasonable to avoid or diminish any loss to property protected by this benefit. This provision will not be unreasonably applied to avoid claims.

If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim and Your benefits may be canceled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.

No legal action for a claim may be brought against us until sixty (60) days after we receive proof of loss. After the expiration of two (2) years from the time written proof of loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought

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against us unless all the terms of this Guide to Benefit and policy have been complied with fully. This benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit described in this Guide to Benefit will not apply to Visa Signature cardholders whose accounts have been suspended or canceled. Termination dates may vary by financial institutions. Visa and/or Your financial institution can cancel or non-renew the benefit, and if we do, we will notify You at least thirty (30) days in advance. This information is a description of the benefit provided to You as a Visa Signature cardholder. It is insured by Indemnity Insurance Company of North America.

FORM #VlUGOpT (04/10) traVel accideNt iNsuraNce

principal Sum: $500,000this is aN accideNtal death aNd dismembermeNt oNlY policY aNd does Not paY beNefits for loss from sicKNess

This Description of Coverage is provided to eligible Visa Signature cardholders, and replaces any and all Descriptions of Coverage previously issued to the insured with respect to insurance described herein.

eligibility and period of coverageAs a Visa Signature cardholder, you are covered beginning on 4/1/11 or the date your credit card is issued, whichever is later.

You and your dependents1 become covered automatically when the entire Common Carrier fare is charged to your covered Visa Signature card account (“Covered persons”). It is not necessary to notify the financial institution, the Insurance Company, or the plan Administrator when tickets arepurchased. Coverage ends when the policy is terminated.

benefitsSubject to the terms and conditions, if a Covered person’s accidental bodily Injury occurs while on a Covered Trip and results in any of the following losses within one (1) year after the date of the accident, the Insurance Company will pay the following percentage of the principal Sum for accidentalloss of: life 100%Both hands or both feet 100%Sight of both eyes 100%One hand and one foot 100%Speech and hearing 100%One hand or one foot and the sight of one eye 100%One hand or one foot 50%Sight of one eye 50%Speech or hearing 50%Thumb and index finger on the same hand 25%

In no event will multiple charge cards obligate the Insurance Company in excess of the stated benefit for any one loss sustained by a Covered person as a result of any one accident. The maximum amount payable for all losses due to the same accident is the principal Sum.

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loss means actual severance through or above the wrist or ankle joints with regard to hands and feet; entire and irrevocable loss of sight, speech or hearing; actual severance through or above the metacarpophalangeal joints with regard to thumb and index fingers. The life benefit provides coverage in the event of a Covered person’s death. If a Covered person’s body has not been found within one (1) year of disappearance, stranding, sinking, or wreckage of any Common Carrier in which the Covered person was covered as a passenger, then it shall be presumed, subject to all other provisions and conditions of this coverage, the Covered person suffered loss of life.

injury means bodily injury or injuries, sustained by the insured person which are the direct cause of loss, independent of disease cause of loss, independent of disease or bodily infirmity, and occurring while the Covered person is covered under this policy, while the insurance is in force.

covered trip means a trip (a) while the Covered person is riding on a Common Carrier as a passenger and not as a pilot, operator, or crew member; (b) charged to your Visa Signature card; and (c) that begins and ends at the places designated on the ticket purchased for the trip. Covered Trip will also include travel on a Common Carrier (excluding aircraft), directly to, from, or at any Common Carrier terminal, which travel immediately precedes departure to or follows arrival at the destination designated on the ticket purchased for the Covered Trip.

common carrier means any scheduled airline, land, or water conveyance licensed for transportation of passengers for hire. Exclusion: No payment will be made for any loss that occurs in connection with, or is the result of: (a) suicide, attempted suicide, or intentionally self-inflicted injury; (b) any sickness or disease; (c) travel or flight on any kind of aircraft or Common Carrier except as a fare-paying passenger in an aircraft or on a Common Carrier operated by a regular schedule for passenger service over an established route; or (d) war or act of war, whether declared or undeclared.

beneficiary: Benefit of loss of life is payable to your estate, or to the beneficiary designated in writing by you. All other benefits are payable to you.

Notice of claim: Written Notice of claim, including your name and reference to Visa Signature card, should be mailed to the plan Administrator within twenty (20) days of a covered loss or as soon as reasonably possible. The plan Administrator will send the claimant forms for filing proof of loss.

the cost: This travel insurance is purchased for you by your financial institution.

description of coverage: This description of coverage details material facts about a Travel Accident Insurance policy which has been established for you and is underwritten by Virginia Surety Company, Inc. please read this description carefully. All provisions of the plan are in the policy, issued to the financial institution trust. Any difference between the policy and this description will be settled according to the provisions of the policy.

QuestioNs

Answers to specific questions can be obtained by writing to theplan administrator:CBSI Enhancement Services550 Mamaroneck Avenue, Suite 309Harrison, NY 10528

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Underwritten by:Virginia Surety Company, Inc.175 West Jackson Blvd., 11th FloorChicago, Il 60604

State Amendments:For Illinois Residents Only the following statement is added: If a Covered person recovers expenses for sickness or injury that occurred due to the negligence of a third party, the Company has the right to first reimbursement for all benefits the Company paid from any and all damages collected from the negligent third party for those same expenses whether by action at law, settlement, or compromise, by the Covered person, the Covered person’s parents if the Covered person is a minor, or the Covered person’s legal representative as a result of that sickness or injury. You are required to furnish any information or assistance, or provide any documents that we may reasonably require in order to exercise our rights under this provision. This provision applies whether or not the third party admits liability.

1 Your spouse, unmarried dependent child(ren), under age nineteen (19) [twenty-five (25) if a full-time student]. No age limit for incapacitated child. Incapacitated child means a child incapable of self-sustaining employment by reason of mental retardation or physical handicap, and chiefly dependent on you for support and maintenance. Dependent child(ren) receive fifty percent (50%) of your benefit amount.

additional provisions for travel accident insurance: Travel Accident Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc. (herein referred to as “Company”). We reserve the right to change the benefits and features of all these programs.

The financial institution or the Company can cancel or choose not to renew the Insurance coverages for all Insureds. If this happens, the financial institution will notify the accountholder at least thirty (30) days in advance of the expiration of the policy.

Such notices need not be given if substantially similar replacement coverage takes effect without interruption and is provided by the same insurer. Insurance benefits will still apply to Covered Trips commenced prior to the date of such cancellation or non-renewal, provided all other terms and conditions of coverage are met. Travel Accident Insurance does not apply if Your Visa Signature card privileges have been suspended or canceled. However, insurance benefits will still apply to Covered Trips commenced prior to the date that Your account is suspended or canceled provided all other terms and conditions of coverage are met.

Coverage will be void if, at any time, the accountholder has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the accountholder’s interest herein, or in the case of any fraud or false swearing by the Insured relating thereto. No person or entity other than the accountholder shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage.No action at law or in equity shall be brought to recover on this coverage prior to the expiration of sixty (60) days after proof of loss has been furnished in accordance with the requirements of this Description of Coverage.

The Company, at its expense, has the right to have you examined as often as reasonably necessary while a claim is pending. The Company may also have an autopsy made unless prohibited by law.

FORM #VTAI – 2010 (Stand 04/11)

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traVel aNd emergeNcY assistaNce serVices

What are travel and emergency assistance services?Help when you don’t know where to turn. You can count on a wide range of Visa Signature emergency services available whenever and wherever you need them, 24 hours a day, 365 days a year. We will make every reasonable effort to respond when you have an emergency—even if you need assistance beyond the services listed here. please understand that, due to occasional problems such as distance, location, or time, neither Visa nor its service providers can be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other service.

Who is eligible for travel and emergency assistance services?You, your spouse, and your children (provided the children are dependents under 22 years old) may all take advantage of these special emergency services.

Who is eligible for travel and emergency assistance services? You, your spouse, and your children (provided the children are dependents under 22 years old) may all take advantage of these special emergency services.

how do i get these services?They’re as close as the nearest phone. You simply call the Benefit Administrator at 1.800.397.9010 any hour of the day or night. If you are outside the United States, call collect at 303.967.1093.

is there a charge for these services?No. Visa Signature Travel and Emergency Assistance Services are available to eligible Visa Signature cardholders at no additional charge.

please note: Visa Signature Travel and Emergency Assistance Services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.

What are the specific services and what do they provide?Visa Signature Travel and Emergency Assistance Services will put you in touch with the appropriate emergency services should the need arise. Here are some of the ways we can help:• emergency message service can record and relay emergency messages for travelers, immediate

family members, or business associates. Note: Visa will use reasonable efforts to relay emergency messages in accordance with benefit guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully.

• medical referral assistance provides medical referral, monitoring, and follow-up. The Benefit Administrator can give you names of English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local medical personnel, if necessary, to monitor your condition, keep in contact with your family, and provide continuing liaison; and help you arrange medical payments from your Visa Signature or personal account. Note: all costs are your responsibility.

• legal referral assistance can arrange contact with English-speaking attorneys and with U.S. embassies or consulates if you’re detained by local authorities, have a car accident, or need legal assistance. In addition, the Benefit Administrator can coordinate bail payment from your Visa Signature or personal account. The Benefit Administrator can also follow up to make sure bail has been properly handled. Note: all costs are your responsibility.

• emergency transportation assistance can help you make all the necessary arrangements for emergency transportation home or to the nearest medical facility. This even includes arranging to bring your young children home and staying in contact with family members or employers. In the case of a death, the Benefit Administrator can make arrangements for returning the remains of the deceased home. Note: all costs are your responsibility.

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• emergency ticket replacement helps you with the carrier’s lost ticket reimbursement procedures if you should lose your ticket and can arrange delivery of a replacement ticket to you. Note: all costs are your responsibility.

• lost luggage locator service can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage. The Benefit Administrator can also arrange a cash advance with your Visa issuing bank. however, you are responsible for the cost of any replacement items shipped to you.

• emergency translation service provides telephone assistance in all major languages and helps find local interpreters, if available, when you need more extensive assistance. Note: all costs are your responsibility.

• prescription assistance and Valuable document delivery Arrangements can help you get prescriptions filled or replaced, subject to local laws, and can even arrange pickup and delivery of prescriptions filled for you at local or nearby pharmacies. It can also help transport critical documents which you may have left at home or elsewhere. Note: all costs are your responsibility.

• pre-trip assistance can give you information on your destination before you leave—information such as ATM locations, currency exchange rates, weather reports, health precautions, immunizations, and required passport visas.

additional provisions for travel and emergency assistance services: The benefit described in this Guide to Benefit will not apply to Visa Signature cardholders whose accounts have been suspended or canceled. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements.

Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages.

FORM #VTEAS – 2010 (Stand 04/11)

purchase securitY

What is this purchase security benefit?Within the first ninety (90) days of the date of purchase, purchase Security will, at the Benefit Administrator’s discretion, replace, repair, or reimburse you for eligible items of personal property purchased entirely with your eligible Visa Signature card up to a maximum of five hundred dollars ($500.00) per claim and fifty thousand dollars ( $50,000.00) per cardholder*, in the event of theft, damage due to fire, vandalism, accidentally discharged water, or certain weather conditions.

Who is eligible for this benefit?To be eligible for this benefit, you must be a valid cardholder of an eligible U.S.-issued Visa Signature card.

What items are covered by purchase security?Your eligible purchases are protected against damage due to the following:• Fire, smoke, explosion, riot, or vandalism.• Windstorm, lightning, hail, rain, sleet, or snow.• Aircraft, spacecraft, or other vehicles.• Theft (except from autos or motorized vehicles).• Accidental discharge of water or steam from household plumbing.• Sudden accidental damage from electric current. (This benefit does not apply to electronic components.)

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What items are not covered?• Animals and living plants.• Antiques and collectible items.• Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment,

or accessories including trailers and other items that can be towed by or attached to any motorized vehicle.

• Broken items, unless damage is the result of a covered occurrence.• Computer software.• Items damaged as a result of weather other than lightning, wind, hail, rain, sleet, or snow.• Items purchased for resale, professional, or commercial use.• Items stolen from automobiles and other vehicles, or common carriers.• Items that are lost or that mysteriously disappear. “Mysterious disappearance” means the

vanishing of an item in an unexplained manner where there is an absence of evidence of a wrongful act by a person or persons.

• Items under the care and control of a common carrier (including U.S. postal Service, airplanes, or delivery service).

• Items including, but not limited to, jewelry and watches from baggage unless hand-carried and under your personal supervision, or under the supervision of your traveling companion who is previously known to you.

• Theft or damage resulting from abuse, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects.

• Theft or damage resulting from misdelivery or voluntary parting with property.• Medical equipment.• perishables, consumables including, but not limited to, perfumes and cosmetics, and limited-life

items such as rechargeable batteries.• Real estate and items which are intended to become part of real estate including, but not

limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans.

• Rented or leased items, or items purchased on an installment plan and for which the entire purchase price was not paid in full at the time of the occurrence.

• Traveler’s checks, cash, tickets, credit or debit cards, and any other negotiable instruments.• Used or pre-owned items.

are gifts covered?Yes, as long as you purchased the gift entirely with your eligible Visa Signature card and it meets the terms and conditions of the benefit.

are purchases made outside the u.s. covered?Yes, as long as you, purchased the item entirely with your eligible Visa Signature card and the eligible item meets the terms and conditions of the benefit.

do i need to register my purchases?No. Your eligible purchases are automatically covered.

do i need to keep copies of receipts or any other records?Yes. If you want to file a claim, you will need copies of your Visa Signature card receipt and your store receipt. how do i file a claim?Call the Benefit Administrator at 1.800.397.9010 or collect at 303.967.1093 within sixty (60) days of

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theft or damage. please note: if you do not give such notice within sixty (60) days after the theft or damage your claim may be denied. The Customer Service Representative will ask you for some preliminary claim information and send you the appropriate claim form. this claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days from the date of theft or damage.

Gift recipients of eligible items may also handle the claim process if you wish. However, the gift recipient must provide all the documents necessary to fully substantiate the claim.For faster filing, or to learn more about Visa purchase Security, go to www.visa.com/eclaims.

What documents do i need to submit with my claim?• Your completed and signed claim form.• Your Visa Signature card receipt.• The itemized store receipt.• A police report [made within forty-eight (48) hours of the occurrence in the case of theft], fire,

insurance claim, or loss report, or other report sufficient to determine eligibility for benefits.• A copy of your insurance declaration page, when applicable.• Documentation (if available) of any other settlement of the theft or damage.• Any other documentation deemed necessary to substantiate your claim.All claims must be fully substantiated as to the time, place, cause, and amount of damage or theft. In most cases you will be asked to send, at your expense, the damaged item to substantiate a claim. Retain the item in the event it is requested by the Benefit Administrator.

how will i be reimbursed?provided that the terms and conditions of the benefit have been met, and depending on the nature and circumstances of the incident, the benefit administrator, at its discretion, may choose to discharge your claim in either of two ways:1. A damaged item (whether wholly or in part) may be repaired, rebuilt, or replaced. A stolen item may be replaced. If the item is to be repaired, rebuilt, or replaced, you usually will be notified of the decision within fifteen (15) days following receipt of the required proof of theft/damage documentation.2. You may be reimbursed for the eligible item, but not more than the original purchase price of the covered item as recorded on your eligible Visa Signature card receipt, less handling and shipping charges, up to a maximum of five hundred dollars ( $500.00) per claim occurrence and fifty thousand dollars ($50,000.00) per cardholder.* Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents. In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the obligation under the benefit.

do i have to file with my insurance company?Yes, if you have insurance applicable to the damaged or stolen item (e.g. business owner’s, homeowner’s, renter’s, or automobile) or if you are covered by your employer’s insurance for such losses, you are required to file a claim with your own insurance company and to submit a copy of any claim settlement from your insurance company along with your claim form.* In some cases, at the option of the Benefit Administrator, where the claim amount is within your personal insurance deductible, a copy of your personal insurance policy declaration page may be sufficient.*

*NOTE: purchase Security provides coverage on an “excess” coverage basis. That means it does not duplicate, but pays in excess of any valid and collectible insurance or indemnity (including, but not limited to, homeowner’s, renter’s, automobile, or employer’s insurance policies). After all insurance or indemnity has been exhausted, purchase Security will cover the theft or damage up to the amount charged to your eligible Visa account and subject to the terms, exclusions, and limits of liability of the benefit. purchase Security will also pay for the outstanding deductible portion

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of your insurance or indemnity for eligible claims. The maximum limit of liability is five hundred dollars ($500.00) per claim occurrence and fifty thousand dollars ($50,000.00) per cardholder. You will receive no more than the purchase price as recorded on the eligible Visa Signature card receipt. Where a protected item is part of a pair or a set, you will receive no more than the value (as described herein) of the particular part or parts, stolen or damaged, regardless of any special value that the item may have as part of such a pair or set, nor more than the proportionate part of an aggregate purchase price of such pair or set. purchase Security is not “contributing” insurance, and this “non-contribution” provision shall take precedence over “non-contribution” provisions found in insurance or indemnity descriptions, policies, or contracts.

WarraNtY maNager serVice

how do i benefit from Warranty manager service?Warranty Manager Service offers you a number of valuable features, including warranty registration and extended Warranty protection, all available with a simple toll-free telephone call. And with our Visa performance Guarantee, you have the option of purchasing affordable Extended Service Agreements.*Warranty Manager’s registration service helps you take full advantage of your warranties, because you can get key information about your coverage with a single toll-free call. And if you send us your sales receipts and warranty information, we’ll keep everything on file—so arranging for a repair or replacement is as easy as picking up the telephone. Warranty Manager Service offers Extended Warranty protection that doubles the time period of the original manufacturer’s written U.S. repair warranty up to one (1) additional year on eligible warranties of three (3) years or less when an item is purchased entirely with your eligible Visa Signature card.

Why should i register my purchases?To have peace of mind knowing all of your purchases are registered and on file with Visa. Although registration is not required for Extended Warranty protection benefits, it is strongly encouraged that you send us your sales receipts and warranty information. With this valuable service, you won’thave to search for critical documentation when you need it. Arranging for a repair or replacement is as easy as picking up the telephone. Call 1.800.397.9010 (or collect at 303.967.1093) for information regarding the security of registering your purchases.

What are the advantages of Visa performance guarantee?Visa performance Guarantee is valuable protection you can purchase beyond the benefit provided to you by Visa. It is available to extend your warranty coverage on eligible items for up to five (5) years from the date of product purchase. This provides you with an easy, reasonably priced way to cover parts and labor costs necessary to repair your product in case of failure.

Who is eligible for this benefit?To be eligible for this benefit you must be a valid cardholder of an eligible U.S.-issued Visa Signature card.

What items are covered by Warranty manager service extended Warranty protection?Warranty Manager Service Extended Warranty protection doubles the period of repair service under the manufacturer’s written U.S. warranty up to a maximum of one (1) additional year on many items of personal property which have a valid original manufacturer’s written U.S. repair warranty of three (3) years or less and which you have purchased entirely on your eligible Visa card.

What items are not covered?• Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment,

or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle.

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• Any costs other than those specifically covered under the terms of the original manufacturer’s written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty.

• Items purchased for resale, professional, or commercial use.• Real estate and items which are intended to become part of real estate including, but not

limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans.

• Rented or leased items or items purchased on an installment plan and for which the entire purchase price was not paid in full at the time of the occurrence.

• Computer software.

are gifts covered?Yes, as long as you purchased the gift entirely with your eligible Visa Signature card and it meets the terms and conditions of the benefit.

are purchases made outside the united states covered?Yes, as long as you purchased the item entirely with your eligible Visa Signature card and the eligible item has a valid original manufacturer’s written U.S. repair warranty of three (3) years or less, store-purchased dealer warranty, or assembler warranty. do i need to keep copies of receipts or any other records?To file a claim, copies of your Visa Signature card receipt, your store receipt, the original manufacturer’s written U.S. warranty, and any other applicable warranty are required. You will need to retain copies of these records unless the purchase is registered.

how do i file a claim?Call the Benefit Administrator at 1.800.397.9010 (or collect at 303.967.1093) immediately upon learning of a product failure.

please note: if you do not give such notice within sixty (60) days after the product failure, your claim may be denied. The Benefit Administrator will ask you for some preliminary claim information, direct you to the appropriate repair facility, and send you the appropriate claim form. this claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days of the product failure. Gift recipients of eligible items are also covered by the claims process, if desired. However, a gift recipient must provide all the documents necessary to fully substantiate the claim.

For faster filing, or to learn more about the Visa Warranty Manager Service, go to www.visa.com/eclaims.

What documents do i need to submit with my claim?• Your completed and signed claim form.• Your Visa Signature card receipt.• The itemized store receipt.• A copy of the original manufacturer’s written U.S. warranty and any other applicable warranty.• A description and serial number of the item, and any other documentation deemed necessary

to substantiate your claim. This includes bills and, if necessary, a copy of the maintenance record and receipts.

• The original repair order.all claims must be fully substantiated.

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how will i be reimbursed?Once your claim has been verified and the terms and conditions of the benefit have been met, the item will be repaired or replaced at the benefit administrator’s discretion, but for no more than the original purchase price of the covered item as recorded on your Visa card receipt, less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00), as recorded on your Visa Signature card receipt, and fifty thousand dollars ($50,000.00) maximum per cardholder. Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents. Extended Warranty protection will pay the facility directly for repairs, if possible, or you may go to an authorized repair facility and file a claim for reimbursement. only valid and reasonable repairs made at the manufacturer’s authorized repair facility are covered.

In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the obligation under the benefit.

Under normal circumstances, reimbursement will take place within five (5) business days of receiptand approval of all required documents.

do i have to file with my insurance company?No. However, if you have purchased or received a service contract or Extended Warranty, Extended Warranty protection is supplemental to, and excess of, that coverage. Extended Service Agreements are offered through a third-party administrator, and may not be available in all states. Terms and conditions may vary by product type. Call 1.800.397.9010 for details regarding specific products

additional provisions for Warranty manager service and purchase security:These benefits apply only to you, the eligible Visa Signature cardholder, and to whomever receives the eligible gifts you purchase entirely with your eligible Visa Signature card.

You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by these benefits. This provision will not be unreasonably applied to avoid claims.

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no benefit shall exist for such claim and your benefits may be canceled. Each claimant agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.

Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the damage or theft. No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within six (6) months of the date of product failure.

After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of payment made to you. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.

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No legal action for a claim may be brought against us until sixty (60) days after we receive proof of loss. No legal action against us may be brought more than two (2) years after the time for giving proof of loss. Further, no legal action may be brought against us unless all the terms of the Guide to Benefit have been complied with fully.

These benefits are provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefits described in this Guide to Benefit will not apply to Visa Signature cardholders whose accounts have been suspended or canceled.

Termination dates may vary by financial institutions. Visa and/or your financial institution can cancel or non-renew the benefits, and if we do, we will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa Signature cardholder. It is insured by Indemnity Insurance Company of North America.

FORM #VWMGR – 2010 (04/11) and FORM #VpS – 2010 (04/11)

printed 02/11

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Need Help? Call AnytimeOur Customer Service Specialists are on call 24/7.For questions about your balance, call the Customer Service number on your Visa statement. For Account Management, Concierge and Travel Points Option questions, call 1.866.445.0433.

Online Account Access at nordstromcard.comSign up for online account access and view your transactions, balance, and Fashion Rewards information. You can even opt for electronic monthly statements — an easy way to conserve paper.It’s all there, 24 hours a day.

Visa Bill PaySign up for bill pay at visa.com and receive assistance with the payment of everything from household bills to statements from your personal trainer. Payments are issued, under your control, and charged to your Nordstrom Visa Signature® card.

Worldwide Access to CashAccess cash at PLUS® ATMs throughout the world by using your Personal Identification Number (PIN). To select your PIN, call a Customer Service Specialist.

Change Your Payment Due DateSimply call our Customer Service Specialists to discuss other available dates that may better suit your schedule.

Ensuring Your Spending PowerTo serve you best, we ask that you notify us of upcoming travel plans or purchases that may not follow your typical spending pattern. Call a Customer Service Specialist to ensure uninterrupted service on your account.

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