Neiman Marcus 2009 Annual Report Download - page 257

"Billing Cycle" means the interval of time between regular periodic Billing Dates for an Account.
"Billing Date" means, for any Account, the day as of when the Account is billed.
"Billing Statement" means a summary of Account credit and debit transactions for a Billing Cycle including a descriptive
statement covering purchases, charges, past due account information and Loyalty Program information.
"Business Day" means any day, other than (i) a Saturday or Sunday, or (ii) a day on which financial institutions in New York
or Texas are authorized by law to close; provided that for purposes of Sections 8.4 and 9.1, "Business Day" shall exclude any day on
which the Fedwire system is closed.
"Cardholder" means any Person who has been issued an NMG Credit Card or Non-Card Payment Plan (including any
guarantor of the Account related to such NMG Credit Card) and includes authorized user(s).
"Cardholder Agreement" means the agreement between Bank and a Cardholder (and any replacement of such agreement),
governing the use of an Account, together with any amendments, modifications or supplements that now or hereafter may be made to
such Cardholder Agreement (and any replacement of such agreement).
"Cardholder Data" means all personally identifiable information about a Cardholder (A) received by or on behalf of Bank
(including by NMG Servicer in its capacity as such) in connection with the Cardholder's application for use of an NMG Credit Card,
Non-Card Payment Plan or Account or (B) otherwise obtained by or on behalf of Bank (including information obtained by NMG
Servicer in its capacity as such) for inclusion in its database of Cardholder information (including information about a Cardholder
purchased by Bank), including all transaction and experience information collected by or on behalf of Bank (including by NMG
Servicer in its capacity as such) with regard to each purchase charged by a Cardholder using his or her NMG Credit Card or Non-Card
Payment Plan (including NMG Charge Transaction Data with respect to charges on Private Label Accounts).
"Cardholder Documentation" means, with respect to the Accounts, all Applications, Cardholder Agreements, NMG Credit
Cards, Loyalty Cards and Billing Statements relating to such Accounts.
"Cardholder Indebtedness" means all amounts charged and owing to Bank by Cardholders with respect to Accounts
(including principal balances from outstanding charges, charges for Approved Ancillary Products, interest, NSF fees, late charges,
pay-by-phone fees and any other fees and charges), whether or not billed, less the amount of any credit balances owing by Bank to
Cardholders, including in respect of any payments and any credits associated with returns of goods and/or services and other credits
and adjustments, whether or not billed.
"Cardholder List" means any list (whether in hardcopy, magnetic tape, electronic or other form) that identifies Cardholders,
including any such listing that sets forth the names, addresses,
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