Neiman Marcus 2009 Annual Report Download - page 387
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SCHEDULE 1.1 (i)
RAM Deficient Account Methodology
[***]
"Finance Charge Yield" means, for any period, the Net Interest Income divided by the Average Daily Gross Receivables, which shall
be Annualized.
"Late Fee Yield" means, for any period, (i) the total dollar amount of revenue received as a result of late fees assessed upon
Cardholders, less any late fee waivers granted, divided by (ii) the Average Daily Gross Receivables, which shall be Annualized.
"Other Fee Yield" means, for any period, (i) the total dollar amount of revenue received as a result of fees other than late fees assessed
upon Cardholders, less any waivers of such fees granted, divided by (ii) the Average Daily Gross Receivables, which shall be
Annualized.
"Net Write-Off Rate" means, for any period, the Net Write-Offs divided by the Average Daily Gross Receivables, which shall be
Annualized.