Neiman Marcus 2009 Annual Report Download - page 266

Accounts for which a payment plan was instituted in connection with the servicing and collection thereof).
"Interest Reversal Percentage" means, with respect to any Program Year, the 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 Program Year, divided by (ii) the
aggregate amount of all finance charges assessed on the Accounts during such Program 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 Existing
Term Change or change in New Account Terms in such Program Year shall be excluded from both the numerator and denominator
during the period of [***] after the effective date of such terms change.
"Interim Servicing Agreement" has the meaning set forth in Section 17.2(f).
"Internal Trigger Condition" means a condition whereby one of the following conditions referred to in clause (i) or (ii) is then
in effect: (i) a Delinquency Condition or (ii) a Write-Off Condition.
"Internet" means the global communication network that allows computers not connected by a network to connect and
exchange information and which includes but is not limited to websites owned or operated by NMG, the NMG Companies, Bank or
their respective Affiliates or their Licensees and websites of Persons linked or unlinked to same.
"Internet Services" has the meaning set forth in Section 4.8(a).
"Investment Grade Credit Rating" means, with respect to any Rating Agency, a credit rating by such Rating Agency specified
as follows:
Rating Agency [***]
Standard & Poor's [***];
Fitch [***];
Moody's [***].
"Joint Marketing Fund" has the meaning set forth in Section 5.2(d) hereof.
"Joint Marketing Commitment" means the obligation of the Bank to fund the amount per Fiscal Year set forth on Section B
of Schedule 5.2 for the purposes set forth in Section 5.2(d).
"Knowledge" means, with respect to any of the NMG Companies or Bank Companies, the actual knowledge of the executive
officers of the organization who have managerial responsibility for the Program, after reasonable inquiry.
"Late Fee Reversal Percentage" means, with respect to any Program Year, the percentage equal to (i) the aggregate amount of
all late fees that had been assessed on the Accounts and then reversed by NMG or its Subsidiaries during such Program Year, divided
by (ii) the aggregate
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