Neiman Marcus 2008 Annual Report Download - page 561

"Federal Funds Rate" means the offered rate as reported in The Wall Street Journal in the "Money Rates" section for reserves
traded among commercial banks for overnight use in amounts of one million dollars or more or, if no such rate is published for a day,
the rate published for the preceding Business Day, calculated on a daily basis based on a 365 day year.
"Finance Charge Reversal Percentage" means, with respect to any Fiscal Year, an amount, expressed as a percentage, equal to
(i) the aggregate amount of all finance charges that had been assessed on the Accounts and then reversed by NMG during such Fiscal
Year, divided by (ii) the aggregate amount of all finance charges assessed on the Accounts during such Fiscal Year; provided,
however, that, for purposes of arriving at the foregoing percentage, the finance charges assessed and reversed on any Accounts that
have undergone any change in any of the terms set forth in Schedule 4.7 in such Fiscal Year shall be excluded from both the
numerator and denominator during the period of one hundred twenty (120) days after the effective date of such terms change.
"Fiscal Month" means each four (4) or five (5) week period designated as such in the calendar published by the National Retail
Federation for retailers on a Fiscal Year-reporting basis; provided that the Fiscal Month in which the Effective Date occurs shall be
deemed to begin on the Effective Date.
"Fiscal Quarter" means each three (3) Fiscal Month period set forth in the calendar published by the National Retail Federation
for retailers on a Fiscal Year-reporting basis; provided that the Fiscal Quarter in which the Effective Date occurs shall be deemed to
begin on the Effective Date.
"Fiscal Year" means the fiscal year set forth in the calendar published by the National Retail Federation setting forth the fiscal
year for retailers on a 52/53 week fiscal year ending on the Saturday closest to July 31; provided that the first Fiscal Year under this
Program shall be the period beginning on the Effective Date and ending on the Saturday closest to July 31, 2006.
"Force Majeure Event" has the meaning set forth in Section 19.22 hereof.
"Future Subcontractors" has the meaning set forth in Section 6.2(g)(i) hereof.
"GAAP" means United States generally accepted accounting principles, consistently applied.
"Governmental Authority" means any federal, state or local domestic, foreign or supranational governmental, regulatory or self-
regulatory authority, agency, court, tribunal, commission or other governmental, regulatory or self-regulatory entity.
"Gross Receivables" means amounts owing (net of credit balances) from cardholders with respect to accounts in a Credit Card
portfolio (including outstanding loans, cash advances and other extensions of credit; billed or unbilled finance charges and late
charges; and any other billed or unbilled fees, charges and interest assessed on such accounts).
"High Collar" has the meaning set forth on Schedule 1.1(f) hereto
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