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Schedule 4.6 (e)

Changes to Risk Management Policies to be Implemented by the end of March 2008

—Reduce the credit line to the balance on accounts with a Next Gen score less than [***] ([***] implementation)

—Reduce the credit line to the balance on "X day" (i.e., [***] days delinquent) accounts with balances less than [***] and Next

Gen scores less than [***] ([***] implementation).

—Reduce the credit line to the balance on [***] day accounts with balances less than [***] and a Next Gen scores less than [***]

([***] implementation).

—Reduce the credit line to the balance .on all accounts that are [***] & [***] authorizations ([***] implementation).

—Close all accounts that are [***] ([***] implementation)

—Increase POS cut .off to [***] In Store, and [***] Neiman Marcus Direct and Neiman Marcus/Bergdorf Goodman Online ([***]

implementation).

—All accounts that are noted as [***] and/or [***] will be exempted from the foregoing actions (currently known as [***]).