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Terms & Conditions

Nordstrom Rewards™ Terms and Conditions

The Terms and Conditions apply to a Nordstrom Bank credit card account (each individually a "Nordstrom account," "Visa Signature," "Platinum Visa," "Classic Visa" or collectively the "Nordstrom Credit Card") and the Nordstrom debit card. As used in these Terms and Conditions, "you" or "your" means each Nordstrom Credit Card cardholder or Nordstrom debit card cardholder. 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 the Nordstrom Rewards program (also known as Nordstrom Fashion Rewards®), 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 & Conditions

We reserve the right to amend or modify these Terms and Conditions or the Nordstrom Rewards program 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 in net purchases). We will give you notice if we discontinue this program or any material aspect of this program. Nordstrom Notes® may not be redeemed for international online orders. Nordstrom Notes may not be used as payment on your Nordstrom account. Value of Nordstrom Notes will be applied against total purchase price, including applicable taxes and fees.

Nordstrom Bank reserves the right to cancel your participation in Nordstrom Rewards, in the event of fraud, abuse of rewards privileges, or violation of these Terms and Conditions.

You are responsible for any tax liability related to your participation in and/or your purchase of any of the benefits associated with the Nordstrom Rewards program.

These 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.

Many of the benefits associated with the Nordstrom Rewards program are offered exclusively through Nordstrom Bank or its parent company, Nordstrom, Inc. In many cases, Nordstrom, Inc. and/or Nordstrom Bank have contracted with independent contractors to administer these benefits, including, but not limited to, the issuance of travel documentation, administrative services, and travel reservations. Nordstrom, Inc. and Nordstrom Bank do not own or control the independent contractors used to administer these benefits, and Nordstrom, Inc., Nordstrom Bank, or the independent contractors and their respective affiliates and subsidiaries do not maintain control over the independent suppliers used to provide accommodations and/or services as part of fulfilling these benefits. Nordstrom, Inc., Nordstrom Bank, and its 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 Nordstrom Rewards program or the use of any facilities, services, or goods in connection with any travel or other service provided by any independent supplier.

In order to access certain benefits associated with Nordstrom 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 Credit Card or Nordstrom debit card, you are automatically enrolled in Level 1 of the Nordstrom Rewards program and will receive rewards points for net purchases made with your Nordstrom Credit Card or Nordstrom debit card. Your eligibility for Levels 2, 3, and 4 of Nordstrom Rewards will be reviewed quarterly and will be based on your net purchases made using your Nordstrom Credit Card or Nordstrom debit card in Nordstrom retail locations and sites, including Nordstrom full-line stores, Nordstrom Rack, nordstrom.com, nordstromrack.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 Rewards program.

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

How do Rewards points accrue?

You will receive two rewards points for every dollar in net purchases at Nordstrom made using your Nordstrom Credit Card or Nordstrom debit card. Visa credit cardholders will also receive one rewards point for every dollar in net purchases made with your Nordstrom Visa card everywhere Visa credit cards are accepted.

How are Rewards points and/or benefits redeemed?

You will receive a $20 Nordstrom Note for every 2,000 rewards points. Rewards points are updated monthly and Nordstrom Notes are generated a short time thereafter.

You will receive notice that you have reached Nordstrom 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 benefits may have restrictions associated with them, may require you to purchase the benefit, may have limited available quantities, 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 alterations benefit requires that you use your Nordstrom Credit Card or Nordstrom debit card to purchase the item associated with the alteration, and further requires you to charge the alteration fee to your Nordstrom Credit Card or Nordstrom debit card. You will then receive a Nordstrom Note for the total value of your alteration charges on a monthly basis up to the maximum amount of alterations allowed at your current level of Rewards. The alterations benefit is not cumulative as you progress through the 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.

When are Rewards points and/or benefits forfeited?

You will forfeit all accumulated and unused rewards points if you fail to pay two or more consecutive minimum payments due on your Nordstrom account or if a Nordstrom debit card EFT is returned unpaid for any reason from your bank. You will forfeit all access to all of the benefits associated with Levels 1, 2, 3, and 4 of Nordstrom Rewards when your Nordstrom Credit Card or Nordstrom debit card is closed and/or you fail to pay two or more consecutive minimum payments due on your Nordstrom account or if a Nordstrom debit card EFT is returned unpaid for any reason from your bank.

When do Rewards points and/or benefits expire?

Rewards points earned but not yet used to issue you a Nordstrom Note shall expire three (3) years from the last day of the year in which the points were earned, or when your account is closed.

Personal Triple Points Days

The Personal Triple Points Day benefit allows you to select a day to earn triple rewards points on all the net purchases made with a Nordstrom card at Nordstrom stores, nordstrom.com and Nordstrom Rack. As you progress to different Rewards levels, you will receive the level total of Personal Triple Points Days and not the cumulative total of Personal Triple Points Days. This means, for example, if your Personal Triple Points benefit is one (1) day, and you progress to a level that provides for three (3) days, and you already used one (1) day, you will have two (2) days left. Triple Points do not apply to Last Chance, HauteLook, nordstromrack.com, Louis Vuitton purchases, international orders or other rewards. Louis Vuitton purchases will receive double points in lieu of triple points. Points capped at 10 points per net dollar.

Extraordinary Experiences [Level 3 and Level 4 members only]

The purchase price of any Extraordinary Experience is exclusive of taxes and fees; additional surcharges and handling fees may apply to individual components of each Extraordinary Experience. Unless otherwise stated, packages do not include airfare, lodging accommodations, transportation, or parking. All incidentals incurred during the Extraordinary Experience are the responsibility of the guest. A detailed itinerary will be provided to Rewards members who purchase an Extraordinary Experience.

Once any tickets that are part of an Extraordinary Experience have been issued to a member, Nordstrom is not responsible for the theft, loss, delay, destruction, or misplacement of any tickets mailed, express delivered, left at will-call, hotel front desks, and concierge desks. Unless otherwise stated, Extraordinary Experiences must be cancelled no later than thirty (30) days prior to scheduled arrival date in order to receive a full refund, with the exception of theater tickets, which are non-refundable once booked. Extraordinary Experiences and individual components of the Extraordinary Experiences are non-transferable. You must be a Nordstrom Rewards member to purchase an Extraordinary Experience, and you must purchase and conclude your trip by the date specified or end of the current calendar year if no date restrictions are stated. A Nordstrom Rewards member must be at least 21 years of age to purchase any Extraordinary Experience, and minors participating in an Extraordinary Experience must be accompanied by a parent or guardian who is a Nordstrom Rewards member. You remain eligible to purchase the specified benefit as long as your Nordstrom account is open and Nordstrom Bank has not revoked your charging or purchasing privileges.

VIP Access to In-Store Events [Level 4 members only]

Level 4 members will receive VIP access to exclusive shopping experiences or events at selected Nordstrom stores. Exclusive shopping experiences and events are not predetermined and are developed throughout the Rewards benefit year at the sole discretion of Nordstrom. Participation in an exclusive shopping experience or event is not guaranteed due to limited dates, times, and locations. VIP access to an exclusive shopping experience or event may have other limitations and/or be subject to other restrictions. Complete details for exclusive shopping experiences and events will be sent to eligible members prior to the experience or event in an invitation or other communication. VIP Access has no cash value and is non-transferrable. You remain eligible to participate in this benefit as long as your Nordstrom account is open and Nordstrom Bank has not revoked your charging or purchasing privileges. If your Nordstrom account is closed and/or your charging or purchasing privileges have been revoked as of the day of an experience or event, your VIP Access will be cancelled.

Arbitration

Please read this arbitration provision carefully. Unless you send us the rejection notice described in this document, this provision will apply to you and, as a result, either one of us can elect to subject any Rewards Dispute between us to individual arbitration. This means that: (1) a court or jury will not resolve the Rewards Dispute; (2) you will not be able to participate in a class action or similar proceeding to resolve the Rewards Dispute; and (3) your appeal rights during and after arbitration will be limited.

As used in this arbitration provision, a “Rewards Dispute” means any claim or controversy between us that in any way arises from or relates to the Nordstrom Rewards program, including, but not limited to, the Nordstrom Rewards Terms and Conditions, the issuance or redemption of Nordstrom Notes, Nordstrom Rewards points, other services, and events access. Rewards Dispute has the broadest possible meaning, and includes, without limitation, disputes based upon contract, tort, consumer rights, fraud and other intentional torts, agency, statute or constitution, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). Rewards Dispute includes claims, counterclaims, cross-claims, and third-party claims, and it includes disputes in the past, present, or future. It also includes disputes about the validity, enforceability, or scope of this arbitration provision. Rewards Dispute does not include any dispute arising out of the 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 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, adr.org, 1.800.778.7879, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, jamsadr.com, 1.800.352.5267. You can contact the AAA or JAMS to find out more information on how to commence an arbitration proceeding.

The arbitrator(s) will be appointed in accordance with the procedures of the arbitration administrator, and must be a lawyer with at least 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 REWARDS DISPUTE AGAINST US IN A CLASS ACTION, REPRESENTATIVE ACTION, OR SIMILAR PROCEEDING IN COURT OR ARBITRATION. YOU ALSO AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US ON BEHALF OF ANY OTHER PERSON, AND YOU AGREE THAT NO OTHER PERSON MAY BRING A REWARDS DISPUTE AGAINST US ON YOUR BEHALF. YOU MAY NOT JOIN A REWARDS DISPUTE IN A SINGLE ARBITRATION WITH A REWARDS DISPUTE OF ANY OTHER PERSON. IF YOU TRY TO ASSERT ANY REWARDS DISPUTES IN A CLASS ACTION OR SIMILAR PROCEEDING, WE CAN REQUIRE THAT IT BE RESOLVED IN INDIVIDUAL (NON-CLASS) ARBITRATION. THIS PARAGRAPH IS REFERRED TO AS THE “CLASS ACTION PARAGRAPH.” YOU AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US IN A PRIVATE ATTORNEY GENERAL ACTION IN COURT OR ARBITRATION.

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

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Revised 01/14