text: CREDIT SEGMENT 
  The Nordstrom credit and debit card products are designed to strengthen customer relationships and grow retail sales by providing loyalty 
  benefits, valuable services and payment products. We believe our credit business allows us to build deeper relationships with our customers 
  by fully integrating the Nordstrom Rewards program with our retail stores and providing better service, which in turn fosters greater customer 
  loyalty. Our cardholders tend to visit our stores more frequently and spend more with us than non-cardholders. Our Nordstrom private label 
  credit and debit cards can be used only at our Nordstrom full-line stores in the U.S., Nordstrom Rack stores and online at Nordstrom.com, 
  Nordstromrack.com and HauteLook (“inside volume”), while our Nordstrom Visa credit cards also may be used for purchases outside of 
  Nordstrom (“outside volume”). Cardholders participate in the Nordstrom Rewards program through which cardholders accumulate points for 
  their purchases. Upon reaching a certain points threshold, cardholders receive Nordstrom Notes®, which can be redeemed for goods or 
  services at Nordstrom full-line stores in the U.S. and Canada, Nordstrom Rack stores and at Nordstrom.com. Nordstrom Rewards customers 
  receive reimbursements for alterations, get Personal Triple Points days and have early access to sales events. With increased spending, 
  they can receive additional amounts of these benefits as well as access to exclusive fashion and shopping events. 