Neiman Marcus 2008 Annual Report Download - page 551

Table of Contents
Page
ARTICLE I DEFINITIONS 1
1.1 Generally 1
1.2 Miscellaneous 13
ARTICLE II ESTABLISHMENT OF THE PROGRAM 14
2.1 Credit Program 14
2.2 Exclusivity. 14
ARTICLE III PROGRAM MANAGEMENT AND ADMINISTRATION 16
3.1 Program Objectives 16
3.2 Management Committee 17
3.3 Program Relationship Managers; Program Team 21
ARTICLE IV PROGRAM OPERATIONS 22
4.1 Operation of the Program 22
4.2 Certain Responsibilities of the NMG Companies 22
4.3 Certain Responsibilities of Bank 24
4.4 Ownership of Accounts; Account Documentation 24
4.5 Branding of Accounts/Credit Cards/Cardholder Documentation/Solicitation Materials 26
4.6 Underwriting and Risk Management 26
4.7 Cardholder Terms. 27
4.8 Internet Services. 27
4.9 Sales Taxes 28
4.10 Participation in Reversals 29
4.11 Interest Free Accounts 29
ARTICLE V MARKETING 30
5.1 Promotion of Program 30
5.2 Marketing Commitment 30
5.3 Communications with Cardholders. 31
5.4 Additional Marketing Support. 31
5.5 Approved Ancillary Products 33
5.6 Marketing Plan. 33
ARTICLE VI CARDHOLDER INFORMATION 34
6.1 Customer Information 34
6.2 Cardholder Data 35
6.3 NMG Shopper Data; NMG Prospect Data 38