b'Wells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPersonal\n\nCredit Cards\n\nAccount Agreements\n\nPage 1 of 12\n\nWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\nConsumer Credit Card Customer Agreement & Disclosure Statement\nVisa Signature\xc2\xae\nTABLE OF CONTENTS\nYour Contract With Us:\n\nSection 1\n\nUsing Your Account:\n\nSection 4\n\nChanges To This Agreement:\n\nSection 10\n\nFees And Interest:\n\nSection 11\n\nBilling Statements And Payments:\n\nSection 19\n\nOther Important Information:\n\nSection 21\n\nArbitration:\n\nSection 31\n\nYour Billing Rights:\n\nSection 32\n\nActive Duty Military Servicemembers and Their Dependents:\n\nSection 33\n\nInterpreter Certification:\n\nSection 34\n\nNotice To California Cardholders\nTo our California customers who have discussed credit card terms and conditions with us in Spanish, Chinese, Korean, Vietnamese, or Tagalog:\n\nRead Section 34 about interpreter certification before you activate your credit card.\nLea la Secci\xc3\xb3n 34 sobre certificaci\xc3\xb3n de int\xc3\xa9rprete antes de activar su tarjeta de cr\xc3\xa9dito.\n\xe8\xab\x8b\xe6\x82\xa8\xe5\x9c\xa8\xe5\x95\x93\xe7\x94\xa8\xe4\xbf\xa1\xe7\x94\xa8\xe5\x8d\xa1\xe4\xb9\x8b\xe5\x89\x8d\xe7\xb4\xb0\xe8\xae\x80\xe7\xac\xac 34 \xe7\xaf\x80\xe7\x9a\x84\xe3\x80\x8c\xe7\xbf\xbb\xe8\xad\xaf\xe5\x93\xa1\xe8\xaa\x8d\xe8\xad\x89\xe3\x80\x8d\xe3\x80\x82\n\xea\xb7\x80\xed\x95\x98\xec\x9d\x98 \xec\x8b\xa0\xec\x9a\xa9\xec\xb9\xb4\xeb\x93\x9c\xeb\xa5\xbc \xed\x99\x9c\xec\x84\xb1\xed\x99\x94\xed\x95\x98\xec\x8b\x9c\xea\xb8\xb0 \xec\xa0\x84\xec\x97\x90 \xed\x86\xb5\xec\x97\xad\xec\x82\xac \xec\x9d\xb8\xec\xa6\x9d\xec\x97\x90 \xea\xb4\x80\xed\x95\x9c 34\xec\xa0\x88\xec\x9d\x84 \xec\x9d\xbd\xec\x9c\xbc\xec\x8b\x9c\xea\xb8\xb0 \xeb\xb0\x94\xeb\x9e\x8d\xeb\x8b\x88\xeb\x8b\xa4.\nH\xc3\xa3y \xc4\x91\xe1\xbb\x8dc Ph\xe1\xba\xa7n 34 v\xe1\xbb\x81 x\xc3\xa1c nh\xe1\xba\xadn th\xc3\xb4ng d\xe1\xbb\x8bch vi\xc3\xaan tr\xc6\xb0\xe1\xbb\x9bc khi qu\xc3\xbd v\xe1\xbb\x8b k\xc3\xadch ho\xe1\xba\xa1t th\xe1\xba\xbb t\xc3\xadn d\xe1\xbb\xa5ng c\xe1\xbb\xa7a m\xc3\xacnh.\nBasahin ang Seksyon 34 tungkol sa sertipikasyon ng tagapagsaling-wika bago mo i-activate ang iyong credit card.\nYour Contract With Us\n(1) Agreement. This contract for your credit card account ("Account") includes the Credit Card Agreement ("Agreement"), the Important Terms of Your Credit Card\nAccount and future amendments to this Agreement. This Agreement is a contract between Wells Fargo Bank, N.A. and each Account holder. You and any joint\nAccount holder accept the terms of this Agreement by using or activating your Account. Please read this Agreement carefully and keep it for your records.\n\n(2) Definitions\n\nAnnual Percentage Rate A rate, shown as a percentage, used to calculate interest on the balance on your Account.\n(APR)\n\nBilling Cycle or\nBilling Period\n\nBalance Transfer\n\nThe time period between billing statements. Each billing statement shows a statement closing date which is the last day of the Billing\nCycle.\n\nThe transfer of a balance from another credit account to your Account, including the use of a check that accesses your Account.\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nCard\n\nCash Advance\n\nCredit Access Device\n\nImportant Terms of\nYour Credit Card\n\nPage 2 of 12\n\nAny cards we issue to you or any devices we allow you to use to access credit on your Account.\nUse of your Card to get cash. Examples include using your card for Cash Advances through an ATM, bank teller or Wells Fargo Online,\nOverdraft Protection advances, Balance Transfers, or cash-like purchases such as money orders, wire transfers, traveler checks, foreign\ncurrency, lottery tickets, casino chips, off-track wagers, other wagers, vouchers redeemable for cash or similar items.\nA device, other than your Card, like SUPERCHECKS\xe2\x84\xa2 and mobile devices, that we allow you to use to access credit on your Account.\n\nA summary of your Account\'s APRs, fees and other important information.\n\nAccount\n\nNew Balance\n\nThe total amount you owe as of a statement closing date.\n\nOutstanding Balance\n\nThe sum of all unpaid amounts, including Purchases, Cash Advances, Balance Transfers, interest, fees and any other amounts that you\nmay owe us.\n\nPayment Due Date\n\nstatement.\n\nPurchase\n\nUse of your Account to buy or lease goods or services. Cash Advances, Balance Transfers and cash-like transactions are not\nPurchases. Tax payments and associated fees are Purchases.\n\nRevolving Line Of\n\nThis is the amount that is available for your use.\n\nThe date the Minimum Payment is due. It will be at least 25 days from the statement closing date and will be provided on your billing\n\nCredit\n\nWe, Us, and Our\n\nYou and Your\n\nWells Fargo Bank, N.A.\n\nThe Account holder(s) who opened the Account.\n\n(3) Contacting You. You agree that we have your consent to contact you at any phone number, email address, or mailing address you provide for any Wells Fargo\naccount or at any number that you call us from or at any number that we obtain by other means. Your consent allows us and any companies working on our behalf\nto service your account, to use any means to contact you including: automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages,\npush notifications, and calls to your cell phone, or any other data or voice transmission technology. You are responsible for any service provider charges you may\nincur as a result of us contacting you by any means, whether such charges are related to text, data, equipment or other plans. You will promptly notify us if you\nchange any contact information, including your name, mailing address, e-mail addresses, or phone numbers. If you have a joint Account, a notice to one of you will\nserve as a notice to both of you. We may use voice recognition technology to verify your identity when you call. We may capture and store your voiceprint for this\npurpose. We may monitor and record any calls between you and us.\nBack to top\nUsing Your Account\n(4) Using Your Account. You may use your consumer credit card Account for Purchases, Balance Transfers, Cash Advances and any other transactions we allow.\nYou promise to use your Account only for lawful personal, family, or household purposes. We reserve the right to deny transactions or authorizations from\nmerchants who may be engaging in the internet gambling business. We are not responsible for anyone who refuses to accept your Card or any other Credit Access\nDevice. We may decline any transaction at any time. Your credit card may not be used to make a payment on any other Wells Fargo credit account.\n\nCash Advances from ATMs. Cash Advances from ATMs may be limited by amount or frequency. The ATM owner may have additional restrictions. If the ATM\nowner charges any fee, that fee will be included as part of the total Cash Advance amount.\n\nCash Advances for Overdraft Protection. You may elect to have an automatic Cash Advance from your Account to cover an overdraft on a linked Wells Fargo\nchecking account. To cover an overdraft on a linked Wells Fargo checking account, we will advance the greater of\n\xe2\x97\xa6 the amount of your overdraft; or\n\xe2\x97\xa6 $25.00\nExcept if\n\xe2\x97\xa6 the amount of available credit on your Card is less than the amount of the overdraft or less than $25.00, we will then advance the amount of available credit.\nThe APR and fees that apply to overdraft protection advances are listed in the Important Terms of Your Credit Card Account. Overdraft protection advances, interest\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPage 3 of 12\n\nand fees may cause your Account balance to exceed your revolving line of credit. If there is more than one person listed on the checking account (such as a joint\nchecking account) that you have linked for overdraft protection, then:\n\xe2\x97\xa6 You will be responsible for all overdraft protection advances regardless of which person writes the check or engages in any other transaction (such as a debit\ncard purchase) that causes the overdraft; and\n\xe2\x97\xa6 You agree to allow us to disclose to any other person on your checking account, that this Card is linked to your checking account for overdraft protection.\nWe reserve the right to cancel, suspend, or change your overdraft protection service at any time, for any reason.\n\nCredit Access Devices. SUPERCHECKS can be used to access your Account similar to writing a check on a deposit account. SUPERCHECKS checks will post as\na Balance Transfer only when they are included with a Balance Transfer offer. If a SUPERCHECKS check is not included with a Balance Transfer offer it will post as\na Cash Advance. They will include transaction fees and interest.\n\nSome restrictions apply to SUPERCHECKS:\n\xe2\x97\xa6 They may not be written as payment on any Wells Fargo account.\n\xe2\x97\xa6 They may be used only by the person whose name is printed on the check.\n\xe2\x97\xa6 They must be written in U.S. dollars.\n\xe2\x97\xa6 They cannot be certified.\n\xe2\x97\xa6 You cannot file a claim against the bank when you have a dispute with a merchant about payment for property or services that you paid for using a\nSUPERCHECKS check.\n\xe2\x97\xa6 We reserve the right to put conditions on the use of SUPERCHECKS checks and to reject, decline and return unpaid any SUPERCHECKS check or advance at\nour discretion.\nThird Party/Mobile Devices. You or an authorized user may be permitted to load your credit card to an app on a smart phone, tablet or other electronic device,\nsuch as, through a mobile wallet, which could be used for purchases or other transactions without presenting the card. Any such Transactions are covered by this\nAgreement. We have no control over the device and cannot guarantee the performance of the device.\nAdditionally:\n\xe2\x97\xa6 You should protect the security of the device the same as your credit card or other valuable information.\n\xe2\x97\xa6 There may be third party fees related to the transaction such as mobile carrier data or messaging charges.\n\xe2\x97\xa6 We may, at any time, partially or fully restrict your ability to make credit transactions through a third party/mobile device. You agree to notify us promptly if you\nremove or want to remove your Account information from any third party/mobile device.\n(5) Authorized Users. If you wish to have an additional Card issued in another person\'s name, please contact us and we will send you a Card with the name of the\nauthorized person embossed on the front of the Card. You are responsible for payment of the entire amount owed to us, including any Purchases, Balance\nTransfers or Cash Advances (and all related interest and fees) made by the authorized person.\n\nEnding Authorized User Privileges. If you want to end an authorized user\'s privilege to use your Account, you must:\n\xe2\x97\xa6 Recover and destroy that person\'s Card. If you do not, you will continue to be liable for any charges made, even if you\'ve advised us of your wish to cancel the\nprivileges, unless you tell us to cancel all Cards and establish a new Account for you.\n\xe2\x97\xa6 You must notify us of your request by contacting us at the number on the back of your Card or by mail at Wells Fargo Bank, N.A., P.O. Box 10347, Des Moines,\nIA 50306.\nIn general, an authorized person is not obligated on this Account and is not liable for any Outstanding Balance or any other charges made by you or by any other\nauthorized person. In the event of the death of all fully liable cardholders, authorized users\' privilege ends automatically. After that, if any person uses the Card, such\nuse indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of any Outstanding Balance or any other charges they\nauthorize. You agree to notify each authorized person that they are subject to all applicable sections of this Agreement.\nInformation about Authorized Users. You agree to give us certain personal information about each authorized user. You must have permission from each\nauthorized user allowing you to give us that personal information. This may include name, address, social security number, date of birth and citizenship.\n\n(6) Lost or Stolen Cards and Liability for Unauthorized Use, and Zero Liability Protection. You must notify us immediately if your Card or account information\nis lost or stolen, or if you believe it\'s being used without your permission. You may contact us by phone at 800-642-4720 or in writing at Wells Fargo Card Services,\nPO Box 10347, Des Moines, IA 50306. You agree to assist us in our investigation of the matter. If you do this and we find you not responsible, you will not be held\nliable for the unauthorized use of your Account.\n\n(7) Promise to Pay. When you use your Account or let someone else use it, you promise to pay the total amount of the Purchases, Cash Advances, and Balance\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPage 4 of 12\n\nTransfers, plus all interest, fees and other amounts that you may owe us. We may limit or close your Account, but the terms of this Agreement will apply until you\npay the Account in full.\n\n(8) Revolving Line of Credit. We may assign the following limits to your Account:\nCash Advance Limit. We may restrict the amount of your revolving line of credit that can be used for Cash Advances.\nYour total revolving line of credit will be provided with your Credit Card and shows on each of your billing statements. You promise to use your Account only to the\nlimits. If you exceed your total revolving line of credit, we may allow the transaction without increasing your total revolving line of credit or deny the transaction. If we\nallow the transaction, we may treat that over limit amount as due with the minimum payment on your next statement. If you exceed the limits, you will still remain\nliable for all credit you receive. We can adjust your revolving line of credit at any time, including automatic credit line increases for those who qualify.\n\n(9) Authorizations. We don\'t guarantee approval of transactions. We reserve the right to deny transactions for any reason, such as account default, suspected\nfraudulent or unlawful activity, internet gambling, or any indication of increased risk related to the transaction. If you engage in abuse, misuse or gaming in\nconnection with earning or using points or attempt to do so, we may close or restrict your Wells Fargo credit card(s). Abuse, misuse or gaming includes, but is not\nlimited to, making multiple purchases and multiple payments during a billing cycle whereby the dollar amount for each purchase in the aggregate substantially\nexceeds your revolving line of credit. We also may limit the number of authorizations we allow during a period of time.\nTransactions at some merchants (such as hotels, car rental companies, restaurants, and gas stations) may result in temporary authorizations for amounts greater\nthan the actual Purchase amount. This will make less credit available on your Account for several days, usually until the date the actual Purchase amount is\nreceived from the merchant.\nIf you give your credit card information to a merchant to bill your account for recurring payments, or to keep it on file for future purchases or payments, and your card\nnumber, expiration date, or security code changes, you should notify the merchant with your new card information. Some card networks provide update services and\nreceive updated card information from Wells Fargo. Merchants that participate in such services will receive updated card information from the network for credit\ncards that you have provided to the merchant for recurring or future purchases or payments. We cannot tell you which merchant will receive updated card\ninformation when your card information changes. You should always provide each merchant with your new card information because some merchants do not\nsubscribe to such network services.\nBack to top\nChanges To This Agreement\n(10) Change in Terms. We may change this Agreement at any time. These changes may apply to existing and future balances. We will give you advance written\nnotice of the changes and a right to reject the changes if required by law. We may require you to close your Account or take other actions if you reject the changes.\nBack to top\nFees And Interest\n(11) Fees. The following fees may apply to your account. If they do apply, you will find the amount in the Important Terms of Your Credit Card Account. You agree\nto pay any fees that apply.\n\xe2\x97\xa6 Annual Fee. If your account has an annual fee it will be charged each year your account is open. The annual fee will not be billed after your Account is closed.\n\xe2\x97\xa6 Balance Transfer Fee. This fee may be charged on a Balance Transfer transaction.\n\xe2\x97\xa6 Cash Advance Fee. This fee may be charged on a Cash Advance from your Account.\n\xe2\x97\xa6 Overdraft Protection Advance Fee. This fee may be charged when an overdraft amount is advanced to the checking account linked to your Credit Card Account\nby you.\n\xe2\x97\xa6 Foreign Currency Conversion Fee. If you make a transaction in a foreign currency, Visa will convert it into a U.S. dollar amount. A foreign currency conversion\nfee may be charged when this is done.\n\xe2\x97\xa6 Late Fee. This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date.\n\xe2\x97\xa6 Returned Check or Returned Payment Fee. This fee may be charged when a payment is not processed the first time or is returned unpaid.\n\xe2\x97\xa6 Rush Plastic Fee. This fee may be charged if you requested expedited delivery for your credit card.\nAdditional fees may be charged if agreed between you and us. All fees will be added to the Purchases balance, except Cash Advance fees and Overdraft Protection\nfees which will be added to the Cash Advance balance on your Account.\n\n(12) Foreign Currency Transactions.\nIf you make a transaction in a currency other than U.S. dollars using a Visa Card, then Visa International "Visa" will convert the charge into a U.S. dollar amount.\nThe exchange rate between the transaction currency and the billing currency used for processing international transactions is either (a) a rate selected by Visa from\nthe range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (b)\nthe government-mandated rate in effect for the applicable central processing date. The currency conversion rate for the processing date may differ from the rate in\neffect on the date of the transaction or the date the transaction is posted to your Account.\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPage 5 of 12\n\nPoint of Sale Conversion. Some merchants outside the United States offer cardholders the option of having Card transactions converted to U.S. dollars by Visa, as\ndescribed above, or by the merchant itself. If the latter option is chosen, the currency conversion rate is determined solely by the merchant involved in the\ntransaction, and no foreign currency conversion fee is charged by the bank for the transaction.\n\n(13) Rates. The following sections describe how we calculate the interest you owe each Billing Period. The Important Terms of Your Credit Card Account list the\nAPRs that apply to different types of balances.\nIntroductory Rates. Your account may be eligible for introductory rates. This would be described in the Important Terms of Your Credit Card Account. If you are\noffered a promotional rate after your account is opened, the terms will be provided at that time. After any introductory or promotional rates expire, the remaining\nbalances will be subject to the applicable Standard or Standard Variable APR terms.\nHow we Calculate your Standard Variable APRs. If your account has a variable rate the APR will vary based on the U.S. Prime Rate plus the applicable "Margin".\nSee the Important Terms of Your Credit Card Account for the "Margin" on Purchases, Balance Transfers, Cash Advances, and overdraft protection advances, and\ndaily periodic rates that apply to your Account. For each Billing Period, we use the U.S. Prime Rate or the average of the U.S. Prime Rates (if there is more than\none) published in the "Money Rates" column of The Wall Street Journal three business days prior to your billing statement closing date. If the U.S. Prime Rate is no\nlonger published or is not available, we may select a similar index. A change in the APR may increase or decrease the total amount of interest you pay and your\nMinimum Payment due. If the APR changes due to a change in the U.S. Prime Rate, the new APR will apply to both existing and future balances on the first day of\nyour Billing Cycle. The APR will continue to vary even if your Account is closed.\nStandard APRs. If your Account is subject to Standard APRs, the Standard APRs will not vary with the market based on the U. S. Prime Rate. However, we may\nchange the Standard APRs from time to time in accordance with the Change In Terms information described in section 10. The rates that apply to your account are\nlisted in the Important Terms of Your Credit Card Account.\nDaily Periodic Rates. The daily periodic rates are calculated by dividing each applicable APR by 365.\n\n(14) Minimum Interest Charge. Your account may have a Minimum Interest Charge. See The Important Terms of Your Credit Card Account for the applicable\ncharge.\n\n(15) When we Charge Interest. For most transactions, interest will be charged beginning on the date a transaction is made on your account. We charge interest on\na fee beginning on the first day of the Billing Cycle following the Billing Cycle in which the fee posted to your Account.\n\n(16) Here\'s how and when specific Transactions, fees and credits are applied:\n\xe2\x97\xa6 We add the amount of a Purchase or Balance Transfer to the Purchase balance as of the transaction date shown on your statement.\n\xe2\x97\xa6 We add Balance Transfer fees to the Purchase balance as of the transaction date shown on your statement.\n\xe2\x97\xa6 We add the amount of a Cash Advance to the Cash Advance balance as of the transaction date shown on your statement.\n\xe2\x97\xa6 We add Cash Advance Fees to the Cash Advance balance as of the transaction date shown on your statement.\n\xe2\x97\xa6 We add the amount of any Overdraft Protection advance to the Cash Advance balance as of the transaction date shown on your statement.\n(17) How we Calculate Interest. We begin by calculating the daily balance of each Transaction category. Next we calculate the Average Daily Balance (ADB).\nFinally, we calculate the interest. See each section below for details.\n1.\n\nCalculating the daily balance: the daily balance is calculated separately for each Transaction category. We start with the daily balance from the end\nof the previous day. We add in any new Transactions and other charges, including interest accrued on the previous day\'s balance. This means interest\nis compounded daily. We then subtract any payments or credits.\nExample for the Purchase Transaction category:\nDaily balance for purchases from the previous day\n+ New purchases\n+ Fees and interest accrued on the previous day\'s Transaction category balance\n- Payments, credits and adjustments that posted that day\n= New daily balance for Purchases\n\n2.\n\nCalculating the Average Daily Balance (ADB): we add up all the daily balances for the Billing Cycle starting with the beginning balance of the first\nday of the Billing Cycle. This beginning balance will include any unpaid fees from the previous Billing Cycle and any late fees incurred during the\ncurrent Billing Cycle. Any daily balance that is a credit balance is treated as zero. We divide this amount by the number of days in the Billing Cycle.\nADB = sum of daily balances \xc3\xb7 number of days in the Billing Cycle\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\n3.\n\nPage 6 of 12\n\nInterest Calculation: we calculate the interest charge for each type of balance by applying the daily periodic rate to the ADB and multiplying this by\nthe number of days in the Billing Cycle.\nInterest Charge = daily periodic rate x ADB x number of days in Billing Cycle\n\n(18) Grace Period. To avoid paying interest on new Purchases you have to pay your entire New Balance by the Due Date on your statement each Billing Period.\nYou cannot avoid interest on Cash Advances or Balance Transfers. Your due date will be at least 25 days from the statement closing date and will be provided on\nyour billing statement.\nBack to top\nBilling Statements And Payments\n(19) Billing Statements. If you have a balance on your account you will receive a billing statement. Your billing statement will show your Minimum Payment due and\nthe Payment Due Date.\n\n(20) Payments. You may pay all or part of your Account balance at any time, but you must pay the Minimum Payment, disclosed on your billing statement, by the\nPayment Due Date.\n\nMinimum Payment. Your Minimum Payment Due includes any amount past due plus the greater of:\n1. The sum of late, returned check, returned payment, rush plastic, and annual fees and interest billed during the Billing Cycle for which the Minimum Payment\nis calculated plus 1% of the New Balance shown on the billing statement; or\n2. $25.00 (or the entire balance on the Account if the New Balance is less than $25.00).\n\nWe require you to pay any amount over the limit of your credit card account. However, that amount is not included in your Minimum Payment Due.\n\nThe Minimum Payment is rounded-up to the next highest whole dollar amount. Credits will not be used to meet the Minimum Payment.\n\nPayment Instructions. Follow these instructions when making a payment:\n1. You must pay in U.S. dollars.\n2. Payment must be made with a personal check, money order or cashier\'s check and must be issued by a bank in the United States.\n3. Electronic payments are accepted.\n4. Do not mail cash.\n\nIf you mail your payment, please mail to the payment address provided on your billing statement using the envelope and payment coupon enclosed. Payments\nreceived by 5:00 p.m. at the location your payment is mailed to will be credited as of the date of receipt. If received after 5:00 p.m. they will be credited on the\nfollowing day. Payments made through Wells Fargo Online Banking at wellsfargo.com will be credited based on the cutoff time disclosed at the time of the\ntransaction. If you do not follow these instructions your payment may not be credited for up to five days after we receive it.\nChecks or other paper documents may be converted to an electronic transaction through procedures established by the National Automated Clearing House\nAssociation. In this case, the original check or other document that you send to us will not be retained, but a copy would be available if requested.\nSome of your available line of credit may be held, at our discretion, until your payment is honored.\nYou cannot pay this account using a Wells Fargo Bank, N.A. credit or loan account or any Wells Fargo affiliated company credit or loan account. You cannot use\nany SUPERCHECKS checks to make any payment on this Account.\nGenerally, we will apply your Minimum Payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances).\nPayments made in excess of the Minimum Payment will be applied to balances with higher APRs first before balances with lower ones.\nWe post payments to the Billing Cycle within which they are received. Any payment in excess of the Minimum Payment due is applied based on the balances\nreflected on your last billing statement.\n\nIrregular Payments. If you intend to pay your Account in full with an amount less than the Outstanding Balance, payments must be sent to: Wells Fargo, P.O. Box\n10311, Des Moines, IA 50306-0311. Please note that if we accept such payments we have every right to pursue full payment.\nBack to top\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPage 7 of 12\n\nOther Important Information\n(21) Default / Immediate Repayment of Balance in Full. Your Account will be in default, and we may require immediate payment of your total Account if:\n\xe2\x97\xa6 You fail to pay a Minimum Payment by the Payment Due Date;\n\xe2\x97\xa6 Any payment is returned;\n\xe2\x97\xa6 You don\'t honor the terms of this Agreement;\n\xe2\x97\xa6 You made an untrue statement on your application; OR\n\xe2\x97\xa6 You file for bankruptcy.\nIf this is a joint Account, a default by one of you will be a default by all of you.\nWe may prevent further transactions and we may close your Account and other Wells Fargo Accounts. If your account is in default you agree to pay our collection\ncosts, attorney\'s fees, and court costs incurred in enforcing our rights under this agreement.\n\n(22) Re-Verification of Credit Information. We can review any information you provided on your credit application at any time. This may include:\n\xe2\x97\xa6 Requesting credit bureau reports;\n\xe2\x97\xa6 Verifying your current credit standing;\n\xe2\x97\xa6 Verifying your employment, assets and income records.\n(23) California Residents. We may also obtain information at any time from the California Department of Motor Vehicles. You agree to waive the address\nconfidentiality requirements section of the California Vehicle Code (Section 1808.21).\n\n(24) Cancellation. We may close your Account at any time and for any reason. You may also close the Account at any time. If that happens, you must still repay\nthe balance owed according to the terms of this Agreement. Joint Accounts may be canceled by either Account Holder. If we close the account, notice may be\nprovided to only one Account Holder.\n\n(25) Separation of Unlawful Provisions. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will remain in effect.\n\n(26) Enforcement Rights. We may waive or delay enforcing any of our rights without losing them. A court decree for divorce or separation or an out-of-court\nmutual agreement does not affect any of our rights to enforce this Agreement.\n\n(27) Phone Monitoring. We may monitor and record any of your phone calls with us.\n\n(28) Information Reporting. We may report information about you to consumer reporting agencies. The information that we report to consumer reporting agencies\nmay include:\n\xe2\x97\xa6 Account history;\n\xe2\x97\xa6 Account performance;\n\xe2\x97\xa6 Account status;\n\xe2\x97\xa6 Any violations of your account; and\n\xe2\x97\xa6 Any violations of the terms of this Agreement.\nThe same information may be reported to the consumer reporting agencies for any additional card holders. You may dispute the accuracy of the information that we\nreport to consumer reporting agencies by writing to us at Wells Fargo Credit Bureau Dispute Resolution, P.O. Box 14517, Des Moines, IA 50306-3517. Please\ndescribe the information in detail that you believe is inaccurate and provide any supporting documents with your dispute. If your dispute relates to identity theft, you\nwill need to provide us with an identity theft report.\n\n(29) Assignment. We may assign your Account and any or all rights and obligations under the Agreement to a third party. You may not assign your Account or any\nof your obligations under the Agreement.\n\n(30) Governing Law. Federal law and the laws of South Dakota govern this Agreement and your account.\nBack to top\nArbitration\n(31) Dispute Resolution Program: Arbitration Agreement.\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPage 8 of 12\n\n1. Binding Arbitration. You and Wells Fargo Bank, N.A. (the "Bank") agree that if a Dispute arises between you and the Bank, upon demand by either you or\nthe Bank, the Dispute shall be resolved by the following arbitration process. The foregoing notwithstanding, the Bank shall not initiate an arbitration to collect\na consumer debt, but reserves the right to arbitrate all other disputes with its consumer customers. A "Dispute" is any unresolved disagreement between\nyou and the Bank. It includes any disagreement relating in any way to the Card or related services, Accounts, or matters; to your use of any of the Bank\'s\nbanking locations or facilities; or to any means you may use to access the Bank. It includes claims based on broken promises or contracts, torts, or other\nwrongful actions. It also includes statutory, common law, and equitable claims. A Dispute also includes any disagreements about the meaning or application\nof this Arbitration Agreement. This Arbitration Agreement shall survive the payment or closure of your Account. YOU UNDERSTAND AND AGREE THAT\nYOU AND THE BANK ARE WAIVING THE RIGHT TO A JURY TRIAL OR TRIAL BEFORE A JUDGE IN A PUBLIC COURT. As the sole exception to this\nArbitration Agreement, you and the Bank retain the right to pursue in small claims court any Dispute that is within that court\'s jurisdiction. If either you or the\nBank fails to submit to binding arbitration following lawful demand, the party so failing bears all costs and expenses incurred by the other in compelling\narbitration.\n2. Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or other\nproceeding has been previously commenced. NEITHER YOU NOR THE BANK SHALL BE ENTITLED TO JOIN OR CONSOLIDATE DISPUTES BY OR\nAGAINST OTHERS IN ANY ARBITRATION, OR TO INCLUDE IN ANY ARBITRATION ANY DISPUTE AS A REPRESENTATIVE OR MEMBER OF A\nCLASS, OR TO ACT IN ANY ARBITRATION IN THE INTEREST OF THE GENERAL PUBLIC OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.\nEach arbitration, including the selection of the arbitrator(s), shall be administered by the American Arbitration Association (AAA), or such other administrator\nas you and the Bank may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the "Arbitration\nAdministrator"), according to the Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes ("AAA Rules"). To the\nextent that there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrator(s) must be\nmembers of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the Dispute. No arbitrator or\nother party to an arbitration proceeding may disclose the existence, content, or results thereof, except for disclosures of information by a party required in\nthe ordinary course of its business or by applicable law or regulation. You and the Bank (the "Parties") agree that in this relationship: (1) The Parties are\nparticipating in transactions involving interstate commerce; and (2) This Arbitration Agreement and any resulting arbitration are governed by the provisions\nof the Federal Arbitration Act (Title 9 of the United States Code), and, to the extent any provision of that Act is inapplicable, unenforceable or invalid, the\nlaws of the state of South Dakota. If any of the provisions of this Arbitration Agreement dealing with class action, class arbitration, private attorney general\naction, other representative action, joinder, or consolidation is found to be illegal or unenforceable, that invalid provision shall not be severable and this\nentire Arbitration Agreement shall be unenforceable.\n3. Rights Preserved. This Arbitration Agreement does not prohibit the Parties from exercising any lawful rights or using other available remedies to preserve,\nforeclose, or obtain possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or\nancillary remedies such as injunctive relief, attachment, garnishment, or the appointment of a receiver by a court of competent jurisdiction. Any statute of\nlimitations applicable to any Dispute applies to any arbitration between the Parties. The provisions of this Arbitration Agreement shall survive termination,\namendment, or expiration of the Card or any other relationship between you and the Bank.\n4. Fees and Expenses of Arbitration. Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by\napplicable law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the\nstate in which you opened your Account limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall\nexceed this limitation. Unless inconsistent with applicable law, each of us shall bear the expense of our own attorney, expert and witness fees, regardless of\nwhich of us prevails in the arbitration.\n5. Military Lending Act. The Arbitration Agreement may not apply to you if you are a covered borrower. Please see The Military Lending Act Notice in the\nAgreement for more information.\nBack to top\nYour Billing Rights\nKeep This Notice For Future Use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\n(32) What To Do If You Find a Mistake on Your Statement. If you think there is an error on your statement, write to us at:\nWells Fargo Card Services\nP.O. Box 522\nDes Moines, IA 50306-0522\nIn your letter, give us the following information:\n\xe2\x97\xa6 Your name and Account number;\n\xe2\x97\xa6 The date and dollar amount of the suspected error.\n\xe2\x97\xa6 If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x97\xa6 Within 60 days after the error appeared on your statement.\n\xe2\x97\xa6 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPage 9 of 12\n\nYou must notify us of any potential errors in writing at the address above. You may notify using other ways (including telephone), but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x97\xa6 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x97\xa6 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x97\xa6 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x97\xa6 We can apply any unpaid amount against your revolving line of credit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x97\xa6 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x97\xa6 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and\nwe must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the amount\nyou question even if your bill is correct.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your\ncredit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase.\nTo use this right, all of the following must be true:\n1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you\nthe goods or services.)\n2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a check that accesses your credit card\nAccount do not qualify.\n3. You must not yet have fully paid for the Purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at:\nWells Fargo Card Services\nPO Box 522\nDes Moines, IA 50306-0522\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if\nwe think you owe an amount and you do not pay, we may report you as delinquent.\nBack to top\nActive Duty Military Servicemembers and Their Dependents\n(33) The Military Lending Act Notice: Federal Law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the costs of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of\n36 percent. This rate must include, as applicable to the credit transaction or account: the cost associated with credit insurance premiums, fees for ancillary products\nsold in connection with the credit transaction, any application fee charged (other than certain application fees for specified credit transactions or accounts), and any\nparticipation fee charged (other than certain participation fees for a credit card account).\nYou may contact us at 1-844-309-0044 for information about the Military Annual Percentage Rate and a description of your payment obligation.\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPage 10 of 12\n\nThe Arbitration Agreement does not apply to you if you are covered by the Military Lending Act nor do any provisions that waive any right to legal recourse under\nany state or federal law to the extent required by the Military Lending Act.\nBack to top\nInterpreter Certification\n(34) Interpreter Certification. If you choose to discuss your credit card account with us in Spanish, Chinese, Korean, Vietnamese, or Tagalog, please read\nthe following.\nBy signing, using or activating the credit card issued to you, you certify to us that:\n\xe2\x97\xa6 You have discussed the Customer Agreement and Disclosure Statement with your interpreter and have been given the opportunity to discuss and negotiate with\nus the terms and conditions contained in these documents.\n\xe2\x97\xa6 Your interpreter is at least 18 years old and is fluent in both English and in the language in which you chose to discuss with us the terms and conditions of your\ncredit card Account.\n\xe2\x97\xa6 You understand and agree to the terms and conditions contained in these enclosed documents.\n\nCertificaci\xc3\xb3n de Int\xc3\xa9rprete\n(34) Certificaci\xc3\xb3n de Int\xc3\xa9rprete. Si usted opta por conversar sobre su cuenta de tarjeta de cr\xc3\xa9dito con nosotros en espa\xc3\xb1ol, chino, coreano, vietnamita o\ntagalo, lea lo siguiente.\nAl firmar, utilizar o activar la tarjeta de cr\xc3\xa9dito emitida a su nombre, usted certifica ante nosotros que:\n\xe2\x97\xa6 Usted ha analizado el Contrato del Cliente y Declaraci\xc3\xb3n de Divulgaci\xc3\xb3n con su int\xc3\xa9rprete, y que usted y su int\xc3\xa9rprete han tenido la oportunidad de analizar y\nnegociar con nosotros los t\xc3\xa9rminos y condiciones contenidos en estos documentos.\n\xe2\x97\xa6 Su int\xc3\xa9rprete tiene por lo menos 18 a\xc3\xb1os de edad y habla con fluidez tanto en ingl\xc3\xa9s como en el idioma que usted haya elegido para conversar con nosotros\nsobre los t\xc3\xa9rminos y condiciones de su Cuenta de tarjeta de cr\xc3\xa9dito.\n\xe2\x97\xa6 Usted entiende y est\xc3\xa1 de acuerdo con los t\xc3\xa9rminos y condiciones contenidos en estos documentos adjuntos.\n\n\xe7\xbf\xbb\xe8\xad\xaf\xe5\x93\xa1\xe8\xaa\x8d\xe8\xad\x89\n(34) 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\xeb\xac\xb8\xec\x84\x9c\xec\x97\x90 \xed\x8f\xac\xed\x95\xa8\xeb\x90\x9c \xec\x95\xbd\xea\xb4\x80\xec\x9d\x84 \xec\x9d\xb4\xed\x95\xb4\xed\x95\x98\xec\x98\x80\xec\x9c\xbc\xeb\xa9\xb0 \xec\x9d\xb4\xec\x97\x90 \xeb\x8f\x99\xec\x9d\x98\xed\x95\xa9\xeb\x8b\x88\xeb\x8b\xa4\n\nX\xc3\xa1c Nh\xe1\xba\xadn V\xe1\xbb\x81 Ng\xc6\xb0\xe1\xbb\x9di Th\xc3\xb4ng D\xe1\xbb\x8bch\n(34) X\xc3\xa1c Nh\xe1\xba\xadn V\xe1\xbb\x81 Ng\xc6\xb0\xe1\xbb\x9di Th\xc3\xb4ng D\xe1\xbb\x8bch N\xe1\xba\xbfu qu\xc3\xbd v\xe1\xbb\x8b ch\xe1\xbb\x8dn th\xe1\xba\xa3o lu\xe1\xba\xadn tr\xc6\xb0\xc6\xa1ng m\xe1\xbb\xa5c th\xe1\xba\xbb t\xc3\xadn d\xe1\xbb\xa5ng c\xe1\xbb\xa7a m\xc3\xacnh v\xe1\xbb\x9bi ch\xc3\xbang t\xc3\xb4i b\xe1\xba\xb1ng ti\xe1\xba\xbfng T\xc3\xa2y Ban Nha, ti\xe1\xba\xbfng Trung,\nti\xe1\xba\xbfng H\xc3\xa0n, ti\xe1\xba\xbfng Vi\xe1\xbb\x87t ho\xe1\xba\xb7c Tagalog, vui l\xc3\xb2ng \xc4\x91\xe1\xbb\x8dc ph\xe1\xba\xa7n sau \xc4\x91\xc3\xa2y.\nB\xe1\xba\xb1ng vi\xe1\xbb\x87c k\xc3\xbd, s\xe1\xbb\xad d\xe1\xbb\xa5ng ho\xe1\xba\xb7c k\xc3\xadch ho\xe1\xba\xa1t th\xe1\xba\xbb t\xc3\xadn d\xe1\xbb\xa5ng \xc4\x91\xc3\xa3 c\xe1\xba\xa5p cho qu\xc3\xbd v\xe1\xbb\x8b, qu\xc3\xbd v\xe1\xbb\x8b ch\xe1\xbb\xa9ng nh\xe1\xba\xadn v\xe1\xbb\x9bi ch\xc3\xbang t\xc3\xb4i r\xe1\xba\xb1ng:\n\xe2\x97\xa6 Qu\xc3\xbd v\xe1\xbb\x8b \xc4\x91\xc3\xa3 th\xe1\xba\xa3o lu\xe1\xba\xadn v\xe1\xbb\x9bi th\xc3\xb4ng d\xe1\xbb\x8bch vi\xc3\xaan c\xe1\xbb\xa7a m\xc3\xacnh v\xe1\xbb\x81 Th\xe1\xbb\x8fa Thu\xe1\xba\xadn Kh\xc3\xa1ch H\xc3\xa0ng v\xc3\xa0 Tuy\xc3\xaan B\xe1\xbb\x91 Ti\xe1\xba\xbft L\xe1\xbb\x99 Th\xc3\xb4ng Tin v\xc3\xa0 \xc4\x91\xc3\xa3 c\xc3\xb3 c\xc6\xa1 h\xe1\xbb\x99i trao \xc4\x91\xe1\xbb\x95i v\xc3\xa0 th\xc6\xb0\xc6\xa1ng l\xc6\xb0\xe1\xbb\xa3ng v\xe1\xbb\x9bi\nch\xc3\xbang t\xc3\xb4i v\xe1\xbb\x81 c\xc3\xa1c \xc4\x91i\xe1\xbb\x81u kho\xe1\xba\xa3n v\xc3\xa0 \xc4\x91i\xe1\xbb\x81u ki\xe1\xbb\x87n n\xc3\xaau trong nh\xe1\xbb\xafng t\xc3\xa0i li\xe1\xbb\x87u n\xc3\xa0y.\n\xe2\x97\xa6 Th\xc3\xb4ng d\xe1\xbb\x8bch vi\xc3\xaan c\xe1\xbb\xa7a qu\xc3\xbd v\xe1\xbb\x8b t\xe1\xbb\x91i thi\xe1\xbb\x83u 18 tu\xe1\xbb\x95i v\xc3\xa0 th\xc3\xb4ng th\xe1\xba\xa1o c\xe1\xba\xa3 ti\xe1\xba\xbfng Anh l\xe1\xba\xabn ng\xc3\xb4n ng\xe1\xbb\xaf m\xc3\xa0 qu\xc3\xbd v\xe1\xbb\x8b \xc4\x91\xc3\xa3 ch\xe1\xbb\x8dn s\xe1\xbb\xad d\xe1\xbb\xa5ng \xc4\x91\xe1\xbb\x83 th\xe1\xba\xa3o lu\xe1\xba\xadn v\xe1\xbb\x9bi ch\xc3\xbang t\xc3\xb4i v\xe1\xbb\x81 c\xc3\xa1c \xc4\x91i\xe1\xbb\x81u kho\xe1\xba\xa3n v\xc3\xa0\n\xc4\x91i\xe1\xbb\x81u ki\xe1\xbb\x87n li\xc3\xaan quan \xc4\x91\xe1\xba\xbfn tr\xc6\xb0\xc6\xa1ng m\xe1\xbb\xa5c th\xe1\xba\xbb t\xc3\xadn d\xe1\xbb\xa5ng c\xe1\xbb\xa7a qu\xc3\xbd v\xe1\xbb\x8b.\n\xe2\x97\xa6 Qu\xc3\xbd v\xe1\xbb\x8b hi\xe1\xbb\x83u v\xc3\xa0 \xc4\x91\xe1\xbb\x93ng \xc3\xbd v\xe1\xbb\x9bi c\xc3\xa1c \xc4\x91i\xe1\xbb\x81u kho\xe1\xba\xa3n v\xc3\xa0 \xc4\x91i\xe1\xbb\x81u ki\xe1\xbb\x87n \xc4\x91\xc6\xb0\xe1\xbb\xa3c n\xc3\xaau trong nh\xe1\xbb\xafng t\xc3\xa0i li\xe1\xbb\x87u \xc4\x91\xc3\xadnh k\xc3\xa8m n\xc3\xa0y.\n\nSertipikasyon ng Tagapagsaling-wika\n(34) Sertipikasyon ng Tagapagsaling-wika. Kung pipiliin mong talakayin ang iyong credit card account sa amin sa wikang Spanish, Chinese, Korean,\nVietnamese, o Tagalog, pakibasa ang sumusunod.\nSa pamamagitan ng paglagda, paggamit o pag-activate ng credit card na ibinigay sa iyo, pinatototohanan mo sa amin na:\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPage 11 of 12\n\n\xe2\x97\xa6 Tinalakay mo ang Kasunduan ng Kostumer at ang Pahayag ng Pagsisiwalat sa iyong tagapagsaling-wika at nabigyan ka ng pagkakataong talakayin at\nmakipagkasundo sa amin sa mga tuntunin at kundisyong nilalaman ng mga dokumentong ito.\n\xe2\x97\xa6 Ang iyong tagasaling-wika ay wala pang 18 taong gulang at lubos na marunong sa Ingles at sa wika na napili mo para talakayin sa amin ng mga tuntunin at\nkundisyon ng iyong credit card Account.\n\xe2\x97\xa6 Nauunawaan at sinasang-ayunan mo ang mga tuntunin at kundisyong nakasaad sa mga nakalakip na dokumentong ito.\n\nWells Fargo Card Services\nPO Box 10347, Des Moines, IA 50306\n1-800-642-4720\nHearing and Speech Impaired Customers, call the TTY number 1-800-419-2265\nBack to top\n\nVisa Signature 11/19\n\nM-128586\nLS 9385\n\nImportant Terms of Your Credit Card Account\nPricing Addendum for Wells Fargo Cash Wise Visa Signature\xc2\xae Card\nAs of March 13, 2021\n\nInterest Rates and Interest Charges\n\nPrime Rate + 11.24% to Prime Rate + 21.74%, based on your creditworthiness.\nAnnual Percentage Rate (APR) for\nPurchases\n\nThis APR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowest APR\ndisclosed in the range above. The APR applicable to your account will be determined by our review of your credit\nreport, information you provide on your application, and other relevant information available to us.\nPrime Rate + 11.24% to Prime Rate + 21.74%, based on your creditworthiness.\n\nAPR for Balance Transfers\n\nThis APR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowest APR\ndisclosed in the range above. The APR applicable to your account will be determined by our review of your credit\nreport, information you provide on your application, and other relevant information available to us.\nPrime Rate + 20.74% to Prime Rate + 22.74%, based on your creditworthiness.\n\nAPR for Cash Advances and Overdraft\nProtection Advances\n\nThis APR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowest APR\ndisclosed in the range above. The APR applicable to your account will be determined by our review of your credit\nreport, information you provide on your application, and other relevant information available to us.\n\nHow to Avoid Paying Interest on\nPurchases\n\nMinimum Interest Charge\n\nYour due date is at least 25 days after the close of each billing period. We will not charge you any interest on\npurchases if you pay your entire balance by the due date each month. We will begin charging interest on cash\nadvances and balance transfers on the transaction date.\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at http://www.consumerfinance.gov/learnmore.\nFinancial Protection Bureau\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x97\xbe Balance Transfers\n\nUp to 5% for each balance transfer, with a minimum of $5.\n\n\xe2\x97\xbe Cash Advances\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0cWells Fargo Cash Wise Visa Signature\xc2\xae Card Account Agreement\n\nPage 12 of 12\n\nEither $10 or 5% of the amount of each advance, whichever is greater.\n\xe2\x97\xbe Overdraft Protection Advances\n\n$12.50 if the total of overdraft protection advances for the day is $50 or less;\n$20 if the total of overdraft protection advances for the day is greater than $50.\n\n\xe2\x97\xbe Foreign Currency Conversion\n\n3% of each transaction converted to U.S. dollars.\n\nPenalty Fees\n\xe2\x97\xbe Late Payment\n\nUp to $40\n\n\xe2\x97\xbe Returned Check or Returned\nPayment\n\nUp to $40\n\nHow we will calculate your balance: We use a method called "average daily balance (including new purchases)." See the Agreement for more details.\nHow We Calculate Your Late Payment and Returned Check or Returned Payment Fees: The fee will be the lesser of the Minimum Payment or $29. For any\nsubsequent event within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment or $40.\nHow we will calculate your variable APRs:\nUnless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your standard variable APR. For each billing\nperiod, we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street\nJournal three business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this\nwill also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you\npay. It may also increase or decrease the Minimum Payment due. See the Consumer Credit Card Customer Agreement and Disclosure Statement for more details.\n\nInterest Rate Calculation\nU.S. Prime Rate effective as of 03/31/2021\n\n3.25%\n\nMargin added to the U.S. Prime Rate to determine your APR for purchases and balance transfers\n\n11.24% - 21.74%\n\nAPR for purchases and balance transfers\n\n14.49% - 24.99%\n\nMargin added to the U.S. Prime Rate to determine your APR for cash advances and overdraft protection advances 20.74% - 22.74%\nAPR for cash advances and overdraft protection advances\n\n23.99% - 25.99%\n\nBack to top \xe2\x96\xb2\n\n\xc2\xa9 1999 - 2021 Wells Fargo. All rights reserved. NMLSR ID 399801\n\nhttps://www.wellsfargo.com/credit-cards/agreements/visa-wise-signature-agreement\n\n3/31/2021\n\n\x0c'