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BELK REWARDS PROGRAM TERMS

By participating in the Belk Rewards Program, you hereby agree to be bound by these terms. In order to receive the benefits of the Belk Rewards Program, you need to:

1. Make purchases with your Belk Rewards Credit Card, earning the necessary level of points. The Belk Rewards Program is automatically available for your Belk Rewards Credit Card account, if it is open, in good standing and not more than 2 payments past due both at the time points are earned and at the time Belk Reward Dollars are issued and redeemed. For every dollar in net purchases (merchandise purchased minus returns and adjustments) charged to the Belk Rewards Credit Card at any Belk store location in the United States and/or on belk.com, you will earn 1 reward point. Non-merchandise, leased departments, Belk Gift Cards, interest charges and fees do not qualify for points. Each time you earn 400 Reward Points in a calendar year, you will receive $10 Belk Reward Dollars. The amount of the Belk Reward Dollars will be in $10 increments for every 400 points in your Reward Points balance at the time that Belk Reward Dollars are issued. However, the amount of Belk Reward Dollars issued in any billing period will not exceed $90, and any additional Reward Points in your balance will be applied toward Belk Reward Dollars in a future billing period. Reward Points earned, which have not been used toward the issuance of Belk Reward Dollars, will expire at the end of each calendar year.

2. Receive Reward Dollars with your billing statement. Reward Dollars will be issued and mailed within one to two billing periods after your net Reward Points balance equals or exceeds 400.

3. Present and redeem Belk Reward Dollars in accordance with the Rewards Program Terms. You must either come to a Belk store, or go online to belk.com, within the valid dates shown on the Belk Reward Dollars in order to redeem the Belk Reward Dollars. Belk Reward Dollars may only be redeemed toward purchases charged to your Belk Rewards Credit Card at Belk stores or online at belk.com. Belk Reward Dollars redeemed in-store must be surrendered at time of purchase. To redeem Belk Reward Dollars online at belk.com, you must enter the barcode number printed on the Belk Reward Dollars. You can redeem multiple Belk Reward Dollars on a single transaction in store or online at belk.com. Belk Reward Dollars can be combined with any promotional offer. If the value of a purchase is less than the value of the Belk Reward Dollars being redeemed, then any remaining Belk Reward Dollars balance will be forfeited. Belk Reward Dollars cannot be credited to an account, redeemed for cash, used for purchasing Gift Cards, or used for online gift certificates. Additional restrictions may apply as stated on your Belk Reward Dollars. Belk Reward Dollars are not transferable. Belk Reward Dollars are not "gift certificates" and are not intended for gift-giving purposes. You acknowledge that the Reward Points have no value and that the Reward Points and any Belk Reward Dollars issued are purely promotional and are provided without the payment of any consideration or other thing of value. Unless and until you present the Belk Reward Dollars at a Belk store or redeem them online at belk.com, no right, title, or interest in the Reward Points or the Belk Reward Dollars has been earned. Reward Points are forfeited upon the closing of a Belk Rewards Credit Card account. We reserve the right to remove any person from the Belk Rewards Program in the event of any fraud or abuse in connection with this Program. We reserve the right to change or terminate the Belk Rewards Program at any time and in any manner without notice. The Belk Rewards Program is provided by Belk, Inc. and serviced by GE Capital Retail Bank under the Belk Rewards Credit Card Program.

Premier Rewards Cardholders

Belk Rewards Card accountholders who do all of the following: (a) spend $600 in Belk store locations (net of merchandise returns, sales tax, interest charges and fees) on their Belk Rewards Card within a calendar year, (b) keep their account in good standing; and (c) after reaching the $600 qualifying amount, are not more than 2 payments past due at time of Premier Rewards card issuance, will be upgraded to a Belk Premier Rewards Card. Upgrades to the Premier level will be processed during your next billing cycle after you qualify. Once you receive your upgraded card, you will receive additional Belk Premier Rewards cardholder benefits and become eligible to participate in the Belk Rewards Flex Pay Plan. To take advantage of the Belk Rewards Flex Pay Plan, you need to contact customer service to have this plan added to your account. You must spend at least $600 in Belk store locations (net of merchandise returns, sales tax, interest charges and fees) on your Belk Premier Rewards Card each calendar year in order to maintain your qualification as a Belk Premier Rewards cardholder. If you do not maintain your Premier qualification, you will lose the Premier benefits.

Elite Rewards Cardholders

Belk Rewards Card accountholders who do all of the following: (a) spend $1,500 in Belk store locations (net of merchandise returns, sales tax, interest charges and fees) on their Belk Rewards Card within a calendar year, (b) keep their account in good standing; and (c) after reaching the $1,500 qualifying amount, are not more than 2 payments past due at time of Elite Rewards card issuance, will be upgraded to a Belk Elite Rewards Card. Upgrades to the Elite level will be processed during your next billing cycle after you qualify. Once you receive your upgraded card, you will automatically receive additional Belk Elite Rewards cardholder benefits, including having the Belk Rewards Flex Pay Plan added to your Account. You must spend at least $1,500 in Belk store locations (net of merchandise returns, sales tax,interest chargest and fees) on your Belk Elite Rewards Card each calendar year in order to maintain your qualification as an Elite Rewards cardholder. If you do not maintain your Elite qualification, you will lose the Elite benefits.