b'CREDIT CARD AGREEMENT\nImportant Terms of Your Credit Card Account\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n28.99%\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nConsumer Financial Protection of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.\nBureau\nFees\nAnnual Fee\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $40.00\nUp to $40.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.\nHow We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $29.00. For any subsequent event\nwithin a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment Due or $40.00.\nThe information about the cost of credit described in this Agreement is accurate as of January 2021. This information may have changed\nafter that date. To find out what may have changed, call us at 1-800-459-8451.\nARBITRATION AGREEMENT\nBinding Arbitration. You and Wells Fargo Bank, N.A. (the \xe2\x80\x9cBank\xe2\x80\x9d), including the Bank\xe2\x80\x99s assignees, agents, employees, officers, directors, shareholders, parent\ncompanies, subsidiaries, affiliates, predecessors and successors, agree that if a Dispute (as defined below) arises between you and the Bank, upon demand\nby either you or the Bank, the Dispute shall be resolved by the following arbitration process. However, 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 \xe2\x80\x9cDispute\xe2\x80\x9d is any unresolved disagreement between\nyou and the Bank. It includes any disagreement relating in any way to your Credit Card Account (\xe2\x80\x9cAccount\xe2\x80\x9d) or related services. It includes claims based on\nbroken promises or contracts, torts, or other wrongful actions. It also includes statutory, common law and equitable claims. A Dispute also includes any\ndisagreements about the meaning or application of this Arbitration Agreement. This Arbitration Agreement shall survive the payment or closure of your\nAccount. You understand and agree that you and the Bank are waiving the right to a jury trial or trial before a judge in a public court. As the sole\nexception to this Arbitration Agreement, you and the Bank retain the right to pursue in small claims court any Dispute that is within that court\xe2\x80\x99s jurisdiction.\nIf either you or the Bank fails to submit to binding arbitration following lawful demand, the party so failing bears all costs and expenses incurred by the other\nin compelling arbitration.\nArbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or\nother proceeding has been previously commenced. Neither you nor the Bank shall be entitled to join or consolidate disputes by or against others\nin any arbitration, or to include in any arbitration any dispute as a representative or member of a class, or to act in a private attorney general\ncapacity. Each arbitration, including the selection of the arbitrator(s) shall be administered by the American Arbitration Association (AAA), or such other\nadministrator as you and the Bank may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the\n\xe2\x80\x9cArbitration Administrator\xe2\x80\x9d), according to the Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes (\xe2\x80\x9cAAA Rules\xe2\x80\x9d).\nTo the extent that there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrator(s) must\nbe members 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\nor other party to an arbitration proceeding may disclose the existence, content or results thereof, except for disclosures of information by a party required\nin the ordinary course of its business or by applicable law or regulation. You and the Bank (the \xe2\x80\x9cParties\xe2\x80\x9d) 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.\nRights 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 Account or any other relationship between you and the Bank.\nFees 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\nof which of us prevails in the arbitration.\nMilitary Lending Act: The Arbitration Agreement does not apply to you if you are covered by the Military Lending Act nor do any provisions that waive any\nright to legal recourse under any state or federal law to the extent required by the Military Lending Act. Please see The Military Lending Act Notice in the\nAgreement for more information.\nPage 1 of 4\n\n6102OA PLFX (0121)\n\n\x0cCREDIT CARD AGREEMENT\nNotice to California Cardholders\x08\nINTEREST RATES. We use daily periodic rates and corresponding APRs to figure interest\nTo our California customers who have discussed credit card terms and conditions with us\non balances on your Account. The daily periodic rate is 0.07942%, which is calculated by\nor the Merchant in Spanish, Chinese, Korean, Vietnamese, or Tagalog:\ndividing the APR by 365.\nRead the section titled INTERPRETER CERTIFICATION before you use your Account.\nWHEN WE CHARGE INTEREST. Unless stated otherwise below, we begin charging interest\nLean la secci\xc3\xb3n titulada CERTIFICACI\xc3\x93N DE INT\xc3\x89RPRETE antes de usar su Cuenta.\non a purchase or interest charge on the date the purchase or interest charge posts to your\n\xe5\x9c\xa8\xe4\xbd\xbf\xe7\x94\xa8\xe6\x82\xa8\xe7\x9a\x84\xe5\xb8\xb3\xe6\x88\xb6\xe4\xbb\xa5\xe5\x89\x8d\xef\xbc\x8c\xe8\xab\x8b\xe9\x96\xb1\xe8\xae\x80\xe9\xa1\x8c\xe7\x82\xba\xe3\x80\x8c\xe5\x82\xb3\xe8\xad\xaf\xe5\x93\xa1\xe7\xa2\xba\xe8\xaa\x8d\xe6\x9b\xb8\xe3\x80\x8d\xe4\xb8\x80\xe7\xaf\x80\xe3\x80\x82\nAccount. We begin charging interest on a fee on the first day of the Billing Cycle following the\n\xea\xb7\x80\xed\x95\x98\xec\x9d\x98 \xea\xb3\x84\xec\xa2\x8c\xeb\xa5\xbc \xec\x9d\xb4\xec\x9a\xa9\xed\x95\x98\xea\xb8\xb0 \xec\xa0\x84\xec\x97\x90 \xeb\xa8\xbc\xec\xa0\x80 \xed\x86\xb5\xec\x97\xad\xec\x82\xac \xec\x9d\xb8\xec\xa6\x9d\xec\x9d\xb4\xeb\x9d\xbc\xeb\x8a\x94 \xec\xa0\x9c\xeb\xaa\xa9\xec\x9d\x98 \xec\x84\xb9\xec\x85\x98\xec\x9d\x84 \xec\x9d\xbd\xec\x9c\xbc\xec\x8b\xad\xec\x8b\x9c\xec\x98\xa4\nBilling Cycle in which the fee posts to your Account. However, if a late payment fee is posted\n\xc4\x90\xe1\xbb\x8dc m\xe1\xbb\xa5c t\xe1\xbb\xb1a \xc4\x91\xe1\xbb\x81 CH\xe1\xbb\xa8NG NH\xe1\xba\xacN TH\xc3\x94NG D\xe1\xbb\x8aCH VI\xc3\x8aN tr\xc6\xb0\xe1\xbb\x9bc khi qu\xc3\xbd v\xe1\xbb\x8b s\xe1\xbb\xad d\xe1\xbb\xa5ng Tr\xc6\xb0\xc6\xa1ng\nto your Account in the current Billing Cycle, but is related to a late payment in the prior Billing\nM\xe1\xbb\xa5c c\xe1\xbb\xa7a m\xc3\xacnh.\nCycle, we will begin charging interest on the fee on the first day of the current Billing Cycle.\nBasahin ang seksyon na pinamagatang SERTIPIKO NG TAGAPAGSALING-WIKA bago ninyo HOW TO AVOID PAYING INTEREST ON PURCHASES. Unless described differently in the\ngamitin ang inyong Account.\nSpecial Interest Terms section below, you can avoid interest on any portion of a purchase\nThese terms apply to your entire Account.\nbalance shown on your current statement that you pay by the Payment Due Date if the\nAbout Your Account\x08\nbalance shown on your previous statement was zero or was paid in full by the Payment\nAGREEMENT. This Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) covers the use of your Credit Card\nDue Date.\nAccount (\xe2\x80\x9cAccount\xe2\x80\x9d) with us. It includes the Important Terms of Your Credit Card Account. HOW WE CALCULATE INTEREST\xe2\x80\x94AVERAGE DAILY BALANCE METHOD (INCLUDING\nYour signature on your application or solicitation for this Account, including without NEW PURCHASES). The total interest charge is the sum of interest charges (excluding\nlimitation any electronic or digital signature, as well as your signature on Sales Slips or any deferred interest charges) for each type of balance on your Account (e.g. regular, each special\nAccount-related document, represents your signature on this Agreement. You accept the\nterms balance). We figure the interest charge for each type of balance on your Account by\nterms of this Agreement by opening or using your Account. If you have a joint Account, applying the daily periodic rate to the average daily balance (\xe2\x80\x9cADB\xe2\x80\x9d). Then, we multiply this\neach of you is bound by this Agreement. Please read this Agreement carefully and save it\namount by the number of days in the Billing Cycle.\nfor future reference.\nInterest charge = daily periodic rate x ADB x number of days in the Billing Cycle.\nPARTIES TO THIS AGREEMENT. This Agreement is made between Wells Fargo Bank, N.A.,\nADBs\nfor each type of balance are calculated separately, starting with the beginning balance\n101 North Phillips Avenue, Sioux Falls, SD 57104 (\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d) and each account\non the first day of each Billing Cycle. The beginning balance on the first day of the Billing\nholder, whether primary or joint (\xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d).\nCycle includes the following:\nCONTACTING US. Unless stated otherwise in this Agreement, you may contact us at the\nphone number or address shown on your statement. For more information, visit us online \xe2\x80\xa2 The prior Billing Cycle\xe2\x80\x99s ending balance, which includes any unpaid fees posted to your\nAccount in the prior Billing Cycle.\nat wellsfargo.com/cardholders.\n\xe2\x80\xa2 Any late payment fees posted in the current Billing Cycle that are related to a late payment\nDEFINITIONS.\nin the prior Billing Cycle.\nBilling Cycle\nThe interval between statements. Each statement shows\nTo get the ADB for each type of balance, we take the beginning balance each day and add\na closing date. The statement closing date is the last day\nany new purchases. Except for the first day of each Billing Cycle, we add interest equal\nof the Billing Cycle for that statement.\nto the previous day\xe2\x80\x99s balance multiplied by the daily periodic rate. (This means interest\nCard\nThe credit card we may issue to use your Account.\nis compounded daily.) Then, we subtract any payments or credits. This gives us the daily\nCredit Access Device\nA device, other than your Card, we allow you to use to\nbalance. Any daily balance that is a credit balance will be treated as zero. Then, we add up\naccess credit on your Account.\nall the daily balances for the Billing Cycle. We divide this amount by the number of days in\nthe Billing Cycle. This gives us the ADB.\nImportant Terms of Your A summary of your Account\xe2\x80\x99s Annual Percentage Rates\nCredit Card Account\n(\xe2\x80\x9cAPRs\xe2\x80\x9d), fees and other important information.\nADB = sum of daily balances \xc3\xb7 number of days in the Billing Cycle.\nMINIMUM INTEREST CHARGE. If you are charged interest in a Billing Cycle, the charge\nMerchant\nAny merchant who has a merchant agreement with us to\nwill be no less than $1.00.\nparticipate in this credit card program.\nPayments\nNew Balance\nThe Outstanding Balance as of a statement closing date.\nMINIMUM PAYMENT DUE. You promise to pay the Minimum Payment Due by the Payment\nOutstanding Balance\nThe sum of all unpaid amounts, including purchases,\nDue Date. The Minimum Payment Due is the sum of:\ninterest, fees and any other amounts that you may owe us.\n\xe2\x80\xa2 Any past due amounts; plus\nPayment Address\nThe address where you mail your payment. It is located\n\xe2\x80\xa2 The payment for Regular Payment Terms (see Regular Payment Terms below); plus\non your Payment Stub.\n\xe2\x80\xa2 The payment(s) for any balances with Payment in Full/\xe2\x80\x99Equal Payments\xe2\x80\x99 or Custom\nPayment Due Date\nThe date the Minimum Payment Due is due to us. It is\nPayments (see Special Payment Terms below).\nshown on your statement.\nYou\nmay at any time pay, in whole or in part, the Outstanding Balance without any additional\nPayment Stub\nThe portion of your statement that is to be returned with\ncharge for prepayment. If you pay more than the Minimum Payment Due but less than the\nyour payment.\nOutstanding Balance, you are still required to pay the Minimum Payment Due in the next\nSales Slip\nAny document that describes the terms of a purchase on\nBilling Cycle.\nthe Account.\nREGULAR PAYMENT TERMS. All balances will have Regular Payment Terms unless a Sales\nOVERVIEW OF ACCOUNT. Your Account may be divided into two or more balances. These\nSlip shows that Payment in Full/\xe2\x80\x99Equal Payments\xe2\x80\x99 or Custom Payments apply. We combine\nbalances may also be referred to as subaccounts. Different terms may apply to different balances with Regular Payment Terms (the \xe2\x80\x9cCombined Balance\xe2\x80\x9d) to figure the payment\nbalances.\nfor these balances. A new Combined Balance is figured on the first statement closing\nUSING YOUR ACCOUNT. You may use your Account for purchases. Purchases will be part\ndate after any balance with Regular Payment Terms is established. The Combined Balance\nof the regular balance unless a Sales Slip shows that special terms apply. If special terms\ndoes not change unless balances with Regular Payment Terms increase above the current\napply, the purchase will be part of a special terms balance. Special terms are described later Combined Balance.\nin this Agreement (see Special Terms section).\nThe payment for balances with Regular Payment Terms will be the greater of:\nYou promise that you will use your Account only for lawful personal, family or household\npurposes. In addition, we reserve the right to deny transactions or authorizations \xe2\x80\xa2 $40.00 (or the sum of balances with Regular Payment Terms if it is less than $40.00); or\n\xe2\x80\xa2 3.5% of the Combined Balance; or\nfrom merchants apparently engaging in the Internet gambling business or identifying\n\xe2\x80\xa2 The sum of interest charges for balances with Regular Payment Terms, fees assessed during\nthemselves through the Card transaction record or otherwise as engaged in such business.\nthe current Billing Cycle, and 1% of the Combined Balance.\nWe are not responsible if anyone does not allow you to use your Account.\nPROMISE TO PAY. When you use your Account, or let someone else use it, you promise to PAYMENT INSTRUCTIONS. Follow these instructions when making a payment:\npay the total amount of the purchase, as well as any interest, fees or other amounts that\n\xe2\x80\xa2 Make your payment in U.S. dollars, but do not send cash.\nyou may owe us. We may limit or close your Account, but the terms of this Agreement will \xe2\x80\xa2 If you make a payment by mail, please include the Payment Stub with your payment.\napply until you pay the Account in full.\nUse the envelope enclosed with your statement to mail both documents to the Payment\nCREDIT LIMIT. We will assign a Credit Limit to your Account. A Credit Limit is the amount of\nAddress. Payments received by 5:00 p.m. local time at the Payment Address will be\ncredit we will extend to your Account. Your Credit Limit is provided with your Card and on\ncredited as of the date of receipt. Payments received after the 5:00 p.m. cut-off time will\neach of your statements. You promise to use your Account only to the Credit Limit. If you\nbe credited as of the next day. When you provide a check as payment, you authorize us\nexceed your Credit Limit, we may authorize the transaction without increasing your Credit\neither to use information from your check to make a one-time electronic fund transfer from\nLimit. If you exceed your Credit Limit, you will remain liable for all amounts payable under\nyour Account or to process the payment as a check transaction. When we use information\nthis Agreement. We can adjust your Credit Limit at any time.\nfrom your check to make an electronic fund transfer, funds may be withdrawn from your\nCREDIT ACCESS DEVICE. We may provide you with Credit Access Device(s) to access your\nAccount as soon as the same day we receive your payment, and you will not receive your\nAccount. The related interest and fee terms will be given to you when you receive the Credit\ncheck back from your financial institution. Your statement also explains how information\nAccess Device(s).\non your check is used.\nFees and Interest\x08\n\xe2\x80\xa2 If you make a payment online, it must be made via our website, which is shown on your\nFEES. You agree to pay the following fees. You will find the fee amounts in the Important\nstatement. The cut-off time for online payments will be disclosed at the time of the\nTerms of Your Credit Card Account. These fees will be charged to your regular balance unless\ntransaction.\nstated otherwise below.\nIf you do not follow these instructions, your payments may not receive credit for up to five\n\xe2\x80\xa2 Late Payment Fee. This fee may be charged each time we do not receive the Minimum days after we receive it.\nPayment Due by the Payment Due Date.\nSome of your available line of credit may be held, at our discretion, until your payment is\n\xe2\x80\xa2 Returned Payment Fee. This fee may be charged when a payment is dishonored the first honored.\ntime or is returned unpaid.\nPage 2 of 4\n6102OA PLFX (0121)\n\n\x0cIRREGULAR PAYMENTS. We may accept late payments, partial payments or payments\nthat reflect \xe2\x80\x9cpaid in full\xe2\x80\x9d (or other restrictive language), without losing our rights to receive\nfull payment. If you intend to claim to pay your Account in full with an amount less than\nthe Outstanding Balance, payments must be sent to us at Wells Fargo Bank, N.A., P.O. Box\n14453, Des Moines, IA 50306.\nAPPLICATION OF PAYMENTS. We apply payment amounts equal to or less than the\nMinimum Payment Due at our discretion. We apply any payment amounts in excess of the\nMinimum Payment Due as follows:\n\xe2\x80\xa2 First, to balances with No Interest if Paid in Full terms during the two full Billing Cycles\nimmediately preceding expiration of the special terms period. Otherwise, for purposes\nof this section only, these balances are considered to have an APR of 0%;\n\xe2\x80\xa2 Then to balances with higher APRs before lower APRs.\nAny payment in excess of the Minimum Payment Due is applied based on the balances\nreflected on your last statement. We post payments in the Billing Cycle they are received.\nOther Information\x08\nCANCELLATION. We may close your Account at any time and for any reason. You may also\nclose the Account at any time by contacting us. If that happens, you must still repay the\nbalance owed according to the terms of this Agreement. If we close the account, notice may\nbe provided to only one Account Holder.\nAUTHORIZED USERS. If we permit authorized users on your Account, you may request\nadditional Cards for authorized users. You are responsible for all charges (including related\ninterest and fees) made by the authorized user. If you want to end an authorized user\xe2\x80\x99s\nprivilege to use your Account, before we can process the request, you must:\n\xe2\x80\xa2 Recover and destroy that person\xe2\x80\x99s Card. If you do not recover and destroy the Card, you\nwill continue to be liable for any charges made after you advised us of your wish to cancel\nthe privileges, unless you tell us to cancel all Cards and establish a new Account for you.\n\xe2\x80\xa2 You must notify us of your request by contacting us at the phone number or address\nshown on your statement.\nIn general, an authorized user is not obligated on this Account and is not liable for any\nOutstanding Balance or any other charges made by you or by any other authorized user.\nEach authorized user\xe2\x80\x99s privilege ends automatically upon the death of all account holders.\nIf any person uses the Card, such use indicates his or her agreement to pay us, and we may,\nat our discretion, pursue the person for payment of any Outstanding Balance or any other\ncharges they authorize. You agree to notify each authorized user that they are subject to\nall applicable sections of this Agreement.\nCONTACTING YOU. By providing us with any phone number, you are expressly consenting\npermission to contact you at that number about all of your Wells Fargo accounts. You give\nconsent to allow us to contact your past, present and future phone service providers to\nverify the information you have provided against their records. You agree that your phone\nservice providers may verify any phone numbers you have supplied to the name, address,\nand status on their records. In order for us to service your Account or to collect any amounts\nyou may owe, you agree that we may contact you using any contact information related to\nyour Account, including any number (i) you have provided to us, (ii) from which you called\nus, or (iii) which we obtained and reasonably believe we can reach you. We may use any\nmeans to contact you. This may include contact from companies working on our behalf to\nservice your accounts. This may include automated dialing devices, prerecorded/artificial\nvoice messages, mail, e-mail, text messages and calls to your mobile, wireless or similar\ndevice or Voice over Internet Protocol (VolP) service, or any other data or voice transmission\ntechnology. You are responsible for any service provider charges as a result of us contacting\nyou. You agree to promptly notify us if you change any contact information you provide to\nus. This includes your name, mailing address, e-mail address(es), or phone number(s). If you\nhave a joint account, a notice to one of you will serve as a notice to both of you.\nPHONE MONITORING. We may monitor and record your phone calls with us.\nLOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You agree to contact\nus immediately if your Card is lost or stolen or if you believe your Account is being used\nwithout your permission. You may contact us at 1-800-459-8451 or P.O. Box 10347, Des\nMoines, IA 50306. You agree to assist us in our investigation of the matter. If you do this,\nyou will not be held liable for the unauthorized use of your Account.\nDEFAULT. Your Account will be in default if any of the following occur:\n\xe2\x80\xa2 You fail to pay the Minimum Payment Due by the Payment Due Date.\n\xe2\x80\xa2 Any payment is dishonored.\n\xe2\x80\xa2 You violate the terms of this Agreement.\n\xe2\x80\xa2 You made an untrue statement on your application.\n\xe2\x80\xa2 You file for bankruptcy.\nIf this is a joint Account, a default by one of you will be a default by all of you. If your\nAccount is in default, our rights include, but are not limited to, refusing to authorize\nfurther transactions, closing your Account, and requiring the immediate payment of the\nOutstanding Balance. If your Account is in default, you also agree to pay our collection costs,\nattorney\xe2\x80\x99s fees, and court costs.\nGOVERNING LAW. Federal law and the laws of South Dakota govern this Agreement and\nyour Account.\nCHANGE IN TERMS. We may change this Agreement at any time. These changes may\napply to existing and future balances. We will give you advance written notice of the\nchange(s) and a right to reject the change(s) if required by law. We may require you\nto close your Account or take other actions if you reject the changes.\nENFORCING THIS AGREEMENT. We may waive or delay enforcing any of our rights without\nlosing them. We may waive or delay enforcing a right against one of you without waiving\nit as to the other.\nSEPARATION OF UNLAWFUL PROVISIONS. If any provision of this Agreement is\ndetermined to be unlawful, the rest of the Agreement will stand and the unlawful provision\nwill be deemed amended to conform to law.\nINFORMATION SHARING. You authorize us to share your personal and/or Account\ninformation with nonaffiliates. Nonaffiliates include Merchants, their affiliates, their service\nproviders, and program sponsors (\xe2\x80\x9csponsors\xe2\x80\x9d). A sponsor is a franchisor, manufacturer,\ndistributor of goods or an association of retail sellers. Sponsors have arrangements with us\n\nto make credit card programs available to Merchants associated with the sponsor. Federal\nor state laws may limit our ability to share your personal and/or Account information with\nnonaffiliates even though you have given us this authorization. We comply with these\nfederal and state laws. Please refer to the Wells Fargo Retail Services Privacy Notice for more\ninformation about how we collect, share, and protect your information, as well as how you\nmay limit some, but not all, information sharing.\nCREDIT INFORMATION. You promise that any information you give to us in connection\nwith your Account is true and complete. You understand that we rely on this information\nto open your Account and extend credit to you. You authorize us to investigate your credit,\nemployment, assets, and income records and to verify your credit references. You also\nauthorize us to obtain credit reports on you from time to time.\nINFORMATION REPORTING. You agree that we may report your performance, status, and\nhistory under this Agreement to consumer reporting agencies. If you request additional\nCards on your Account for others, you understand that we may report Account information\nin your name as well as in the names of those additional cardholders. If you fail to comply\nwith the terms of the Account as defined in this Agreement, it will be furnished to the credit\nreporting agencies and it could cause a negative reference on your credit report and the\ncredit reports of any additional cardholders. You have the right to dispute the accuracy of\ninformation that we have reported by writing to us at Wells Fargo Bank, N.A., P.O. Box 14517,\nDes Moines, IA 50306 and describing the specific information that is inaccurate or in dispute\nand the basis for any dispute with supporting documentation. In the case of information\nthat you believe relates to an identity theft, you will need to provide us with an identity\ntheft report.\nASSIGNMENT. We have the right to assign your Account to another creditor. The other\ncreditor is then entitled to any rights we assign to them. You do not have the right to assign\nyour Account.\nSECURITY INTEREST. You grant us a purchase-money security interest under the Uniform\nCommercial Code in the goods purchased on your Account. We will retain the purchasemoney security interest until such goods are paid for in full. You agree to assist us in executing\nany documents necessary to perfect our security interest.\nSpecial Terms\nThese terms apply to Special Terms.\nSPECIAL TERMS. We may allow you to make purchases at special terms. If a Sales Slip shows\nthat special terms apply, then the purchase will be governed by the special terms and the\nterms of this Agreement. You accept the special terms by making the purchase. A Sales Slip\nwill state the length of the special terms period, if any. Separate purchases with the same\nspecial terms may be included in the same special terms balance. If special terms balances\nare combined, this may increase the payment for that balance. If a balance is not paid in full\nbefore the end of the No Interest or No Interest if Paid in Full period, the balance (and any\ndeferred interest) will be transferred to your regular balance.\nSPECIAL INTEREST TERMS. A Sales Slip may indicate that one or more of the following\nspecial interest terms applies. Except for No Interest balances, we will use the same method\nto calculate interest as described above in How We Calculate Interest\xe2\x80\x94Average Daily Balance\nMethod (Including New Purchases).\n\xe2\x80\xa2 No Interest. This means there is no interest charge on the purchase balance until the end of\nthe special terms period. You may avoid interest on the balance by paying it in full before\nthe end of the special terms period.\n\xe2\x80\xa2 No Interest if Paid in Full. This means we calculate interest on the purchase balance. This\namount is called the deferred interest charge. The deferred interest charge will not be\nadded to the balance unless you do not pay the balance in full by the end of the special\nterms period. You may avoid interest on the balance by paying it in full before the end of\nthe special terms period.\nThe following No Interest if Paid in Full special terms promotion may be offered to you:\nNo Interest\nif Paid in\nFull with\nmonthly\npayments\n\nIf the purchase balance is not paid in full within the special terms\nperiod, interest will be charged to your Account from the purchase\ndate at a rate of 28.99%. This special terms promotion may be offered\nfor periods of 6-18 months. This special terms promotion will be\nidentified on your statement as \xe2\x80\x9cNO INT IF PD IN FULL.\xe2\x80\x9d The Special\nTerms End Date will disclose the duration of the special terms.\n\xe2\x80\xa2 Special Rate. This means the APR shown on the Sales Slip will be used to figure interest on\nthe purchase balance. A special rate of 0% APR may be advertised as a \xe2\x80\x9cno interest\xe2\x80\x9d special\nterms promotion.\nSPECIAL PAYMENT TERMS. A Sales Slip may indicate that one or more of the following\nspecial payment terms applies.\n\xe2\x80\xa2 Payment in Full/\xe2\x80\x99Equal Payments\xe2\x80\x99. This means the payment is the amount required to pay\nthe initial purchase balance shown on your statement in full during the special terms\nperiod. Because of rounding, the final payment could be less than other payments.\n\xe2\x80\xa2 Custom Payments. This means the payment is a set dollar amount or a fraction or percent\nof the highest balance of this type on any statement closing date. The payment will not\nchange unless, on a future statement closing date, the balance increases above the highest\nbalance.\nInterpreter Certification\x08\nINTERPRETER CERTIFICATION. THIS CERTIFICATION APPLIES IF YOU CHOSE TO DISCUSS\nWITH US OR THE MERCHANT THE TERMS AND CONDITIONS OF YOUR ACCOUNT IN SPANISH,\nCHINESE, KOREAN, VIETNAMESE, OR TAGALOG. By signing the credit card application, using\nor otherwise accepting the Card or related Account issued to you, you certify to Wells Fargo\nBank, N.A. (us) that: (1) You have received and discussed this Agreement with your interpreter\nand that you and your interpreter have been given an opportunity to discuss and negotiate\nwith us or the Merchant the terms and conditions contained in these enclosed documents;\n(2) Your interpreter is at least 18 years old and is fluent both in English and in the language\nin which you chose to discuss with us or the Merchant the terms and conditions of your\nAccount, and is not employed by or made available through the Merchant; (3) You understand\nand agree to the terms and conditions contained in these enclosed documents as written.\n\nPage 3 of 4\n\n6102OA PLFX (0121)\n\n\x0cCERTIFICACI\xc3\x93N DE INT\xc3\x89RPRETE. ESTA CERTIFICACI\xc3\x93N SE APLICA SI USTED\nELIGI\xc3\x93 CONVERSAR CON NOSOTROS O CON EL COMERCIO SOBRE LOS T\xc3\x89RMINOS Y\nCONDICIONES DE SU CUENTA EN ESPA\xc3\x91OL, CHINO, COREANO, VIETNAMITA O TAGALO.\nAl firmar la solicitud de tarjeta de cr\xc3\xa9dito, utilizar o aceptar de otro modo la Tarjeta o\nla Cuenta relacionada que se le haya otorgado, usted certifica a Wells Fargo Bank, N.A.\n(nosotros) que: (1) Usted ha recibido y analizado este Contrato con su int\xc3\xa9rprete, y que\nusted y su int\xc3\xa9rprete han tenido la oportunidad de analizar y negociar con nosotros o\ncon el Comercio los t\xc3\xa9rminos y condiciones contenidos en estos documentos adjuntos;\n(2) Su int\xc3\xa9rprete tiene por lo menos 18 a\xc3\xb1os y habla con fluidez en ingl\xc3\xa9s y en el idioma\nen el que usted haya elegido analizar con nosotros o con el Comercio los t\xc3\xa9rminos y\ncondiciones de su Cuenta, y no es un empleado ni ofrece sus servicios a trav\xc3\xa9s del\nComercio; (3) Usted entiende y acepta los t\xc3\xa9rminos y condiciones contenidos en estos\ndocumentos adjuntos tal como se encuentran redactados.\n\xe5\x82\xb3\xe8\xad\xaf\xe5\x93\xa1\xe7\xa2\xba\xe8\xaa\x8d\xe6\x9b\xb8 \xe3\x80\x82 \xe5\xa6\x82\xe6\x9e\x9c\xe6\x82\xa8\xe9\x81\xb8\xe6\x93\x87\xe7\x94\xa8\xe4\xb8\xad\xe6\x96\x87\xe5\x92\x8c\xe6\x88\x91\xe5\x80\x91\xe6\x88\x96\xe5\x95\x86\xe5\xae\xb6\xe8\xa8\x8e\xe8\xab\x96\xe6\x9c\x89\xe9\x97\x9c\xe6\x82\xa8\xe7\x9a\x84\xe5\xb8\xb3\xe6\x88\xb6\xe7\x9a\x84\xe6\xa2\x9d\xe6\xac\xbe\xe5\x92\x8c\xe6\xa2\x9d\n\xe4\xbb\xb6 \xef\xbc\x8c \xe6\x9c\xac\xe7\xa2\xba\xe8\xaa\x8d\xe6\x9b\xb8\xe9\x81\xa9\xe7\x94\xa8 \xe3\x80\x82 \xe5\xa6\x82\xe6\x9e\x9c\xe6\x82\xa8\xe7\xb0\xbd\xe7\xbd\xb2\xe4\xbf\xa1\xe7\x94\xa8\xe5\x8d\xa1\xe7\x94\xb3\xe8\xab\x8b\xe6\x9b\xb8 \xe3\x80\x81 \xe4\xbd\xbf\xe7\x94\xa8\xe6\x88\x96\xe4\xbb\xa5\xe5\x85\xb6\xe4\xbb\x96\xe6\x96\xb9\xe5\xbc\x8f\xe6\x8e\xa5\xe5\x8f\x97\xe5\xaf\x8c\xe5\x9c\x8b\xe9\x8a\x80\xe8\xa1\x8c\n\xef\xbc\x88Wells Fargo Bank, N.A.\xef\xbc\x8c\xe3\x80\x8c\xe6\x88\x91\xe5\x80\x91\xe3\x80\x8d\xef\xbc\x89\xe6\xa0\xb8\xe7\x99\xbc\xe7\xb5\xa6\xe6\x82\xa8\xe7\x9a\x84\xe5\x8d\xa1\xe6\x88\x96\xe7\x9b\xb8\xe9\x97\x9c\xe5\xb8\xb3\xe6\x88\xb6\xef\xbc\x8c\xe6\x82\xa8\xe5\x8d\xb3\xe5\x90\x91\xe6\x88\x91\xe5\x80\x91\xe7\xa2\xba\xe8\xaa\x8d\xef\xbc\x9a(1)\n\xe6\x82\xa8\xe5\xb7\xb2\xe7\xb6\x93\xe6\x94\xb6\xe5\x88\xb0\xe4\xb8\xa6\xe8\x88\x87\xe6\x82\xa8\xe7\x9a\x84\xe5\x82\xb3\xe8\xad\xaf\xe5\x93\xa1\xe8\xa8\x8e\xe8\xab\x96\xe9\x81\x8e\xe6\x9c\xac\xe5\x8d\x94\xe8\xad\xb0\xef\xbc\x8c\xe8\x80\x8c\xe4\xb8\x94\xe6\x82\xa8\xe5\x8f\x8a\xe6\x82\xa8\xe7\x9a\x84\xe5\x82\xb3\xe8\xad\xaf\xe5\x93\xa1\xe5\xb7\xb2\xe6\x9c\x89\xe6\xa9\x9f\xe6\x9c\x83\xe8\x88\x87\xe6\x88\x91\xe5\x80\x91\xe6\x88\x96\xe5\x95\x86\n\xe5\xae\xb6\xe8\xa8\x8e\xe8\xab\x96\xe3\x80\x81\xe5\x8d\x94\xe5\x95\x86\xe6\x9c\xac\xe6\x96\x87\xe4\xbb\xb6\xe4\xb8\xad\xe5\x8c\x85\xe5\x90\xab\xe7\x9a\x84\xe6\xa2\x9d\xe6\xac\xbe\xe5\x8f\x8a\xe6\xa2\x9d\xe4\xbb\xb6\xe3\x80\x82(2) 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\xe6\x82\xa8\xe7\x90\x86\xe8\xa7\xa3\xe4\xb8\xa6\xe5\x90\x8c\xe6\x84\x8f\xe6\x9c\xac\xe6\x96\x87\xe4\xbb\xb6\xe4\xb8\xad\xe5\x8c\x85\xe5\x90\xab\xe7\x9a\x84\xe7\x8f\xbe\xe6\x9c\x89\xe6\x9b\xb8\xe9\x9d\xa2\n\xe6\xa2\x9d\xe6\xac\xbe\xe8\x88\x87\xe6\xa2\x9d\xe4\xbb\xb6\xe3\x80\x82\n\xed\x86\xb5\xec\x97\xad\xec\x82\xac \xec\x9d\xb8\xec\xa6\x9d. \xea\xb7\x80\xed\x95\x98\xec\x9d\x98 \xea\xb3\x84\xec\xa2\x8c \xec\x9d\xb4\xec\x9a\xa9\xec\x95\xbd\xea\xb4\x80\xec\x97\x90 \xeb\x8c\x80\xed\x95\xb4 \xec\xa0\x80\xed\x9d\xac \xeb\x98\x90\xeb\x8a\x94 \xea\xb0\x80\xeb\xa7\xb9\xec\xa0\x90\xea\xb3\xbc \xed\x95\x9c\xea\xb5\xad\xec\x96\xb4\xeb\xa1\x9c \xeb\x85\xbc\xec\x9d\x98\xed\x95\xa0 \xea\xb2\x83\xec\x9d\x84\n\xec\x84\xa0\xed\x83\x9d\xed\x95\x98\xec\x85\xa8\xeb\x8b\xa4\xeb\xa9\xb4 \xec\x9d\xb4 \xec\x9d\xb8\xec\xa6\x9d\xec\x9d\xb4 \xec\xa0\x81\xec\x9a\xa9\xeb\x90\xa0 \xea\xb2\x83\xec\x9e\x85\xeb\x8b\x88\xeb\x8b\xa4. \xec\xb9\xb4\xeb\x93\x9c \xec\x8b\xa0\xec\xb2\xad\xec\x84\x9c\xec\x97\x90 \xec\x84\x9c\xeb\xaa\x85\xed\x95\x98\xea\xb1\xb0\xeb\x82\x98, \xea\xb7\x80\xed\x95\x98\xec\x97\x90\xea\xb2\x8c \xeb\xb0\x9c\xed\x96\x89\xeb\x90\x9c\n\xec\xb9\xb4\xeb\x93\x9c \xed\x98\xb9\xec\x9d\x80 \xea\xb4\x80\xeb\xa0\xa8 \xea\xb3\x84\xec\xa2\x8c\xeb\xa5\xbc \xec\x82\xac\xec\x9a\xa9\xed\x95\x98\xea\xb1\xb0\xeb\x82\x98 \xec\x88\x98\xeb\x9d\xbd\xed\x95\xa8\xec\x9c\xbc\xeb\xa1\x9c\xec\x8d\xa8 \xea\xb7\x80\xed\x95\x98\xeb\x8a\x94 Wells Fargo Bank, N.A. (\n\xec\xa0\x80\xed\x9d\xac)\xec\x97\x90 \xeb\x8b\xa4\xec\x9d\x8c\xec\x97\x90 \xeb\xaa\x85\xec\x8b\x9c\xeb\x90\x9c \xec\x82\xac\xed\x95\xad\xec\x9d\x84 \xeb\xb3\xb4\xec\xa6\x9d\xed\x95\x98\xec\x8b\x9c\xea\xb2\x8c \xeb\x90\xa9\xeb\x8b\x88\xeb\x8b\xa4. 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(3) \xea\xb7\x80\xed\x95\x98\xeb\x8a\x94 \xec\x9d\xb4 \xeb\x8f\x99\xeb\xb4\x89\xeb\x90\x9c \xec\x84\x9c\xeb\xa5\x98\xeb\x93\xa4\xec\x97\x90 \xea\xb8\xb0\xec\x9e\xac\xeb\x90\x9c \xec\x9d\xb4\xec\x9a\xa9\xec\x95\xbd\xea\xb4\x80\xec\x9d\x84 \xec\x9d\xb4\xed\x95\xb4\xed\x95\x98\xeb\xa9\xb0\n\xea\xb7\xb8 \xeb\x82\xb4\xec\x9a\xa9\xec\x97\x90 \xeb\x8f\x99\xec\x9d\x98\xed\x95\xa9\xeb\x8b\x88\xeb\x8b\xa4.\nCH\xe1\xbb\xa8NG NH\xe1\xba\xacN TH\xc3\x94NG D\xe1\xbb\x8aCH VI\xc3\x8aN. S\xe1\xbb\xb0 CH\xe1\xbb\xa8NG NH\xe1\xba\xacN N\xc3\x80Y \xc3\x81P D\xe1\xbb\xa4NG N\xe1\xba\xbeU QU\xc3\x9d\nV\xe1\xbb\x8a \xc4\x90\xc3\x83 QUY\xe1\xba\xbeT \xc4\x90\xe1\xbb\x8aNH B\xc3\x80N TH\xe1\xba\xa2O V\xe1\xbb\x9aI CH\xc3\x9aNG T\xc3\x94I HAY NG\xc6\xaf\xe1\xbb\x9cI B\xc3\x81N H\xc3\x80NG V\xe1\xbb\x80 C\xc3\x81C\n\xc4\x90I\xe1\xbb\x80U KI\xe1\xbb\x86N V\xc3\x80 \xc4\x90I\xe1\xbb\x80U KHO\xe1\xba\xa2N C\xe1\xbb\xa6A TR\xc6\xaf\xc6\xa0NG M\xe1\xbb\xa4C B\xe1\xba\xb0NG TI\xe1\xba\xbeNG VI\xe1\xbb\x86T. Khi k\xc3\xbd t\xc3\xaan\nv\xc3\xa0o \xc4\x91\xc6\xa1n xin th\xe1\xba\xbb t\xc3\xadn d\xe1\xbb\xa5ng ho\xe1\xba\xb7c s\xe1\xbb\xad d\xe1\xbb\xa5ng hay ch\xe1\xba\xa5p thu\xe1\xba\xadn Th\xe1\xba\xbb ho\xe1\xba\xb7c Tr\xc6\xb0\xc6\xa1ng M\xe1\xbb\xa5c li\xc3\xaan quan \xc4\x91\xc6\xb0\xe1\xbb\xa3c\nc\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 Wells Fargo Bank, N.A. (ch\xc3\xbang t\xc3\xb4i) r\xe1\xba\xb1ng: (1) Qu\xc3\xbd v\xe1\xbb\x8b\n\xc4\x91\xc3\xa3 nh\xe1\xba\xadn \xc4\x91\xc6\xb0\xe1\xbb\xa3c v\xc3\xa0 b\xc3\xa0n th\xe1\xba\xa3o b\xe1\xba\xa3n Th\xe1\xbb\x8fa Thu\xe1\xba\xadn n\xc3\xa0y v\xe1\xbb\x9bi th\xc3\xb4ng d\xe1\xbb\x8bch vi\xc3\xaan c\xe1\xbb\xa7a qu\xc3\xbd v\xe1\xbb\x8b, v\xc3\xa0 qu\xc3\xbd v\xe1\xbb\x8b v\xc3\xa0\nng\xc6\xb0\xe1\xbb\x9di n\xc3\xa0y \xc4\x91\xc3\xa3 c\xc3\xb3 c\xc6\xa1 h\xe1\xbb\x99i b\xc3\xa0n th\xe1\xba\xa3o v\xc3\xa0 th\xc6\xb0\xc6\xa1ng l\xc6\xb0\xe1\xbb\xa3ng v\xe1\xbb\x9bi ch\xc3\xbang t\xc3\xb4i hay Ng\xc6\xb0\xe1\xbb\x9di B\xc3\xa1n H\xc3\xa0ng v\xe1\xbb\x81 c\xc3\xa1c\n\xc4\x91i\xe1\xbb\x81u kho\xe1\xba\xa3n v\xc3\xa0 \xc4\x91i\xe1\xbb\x81u ki\xe1\xbb\x87n trong nh\xe1\xbb\xafng v\xc4\x83n ki\xe1\xbb\x87n \xc4\x91\xc3\xadnh k\xc3\xa8m n\xc3\xa0y. (2) Th\xc3\xb4ng d\xe1\xbb\x8bch vi\xc3\xaan c\xe1\xbb\xa7a qu\xc3\xbd v\xe1\xbb\x8b \xc4\x91\xc3\xa3\n\xc3\xadt nh\xe1\xba\xa5t 18 tu\xe1\xbb\x95i v\xc3\xa0 th\xc3\xb4ng th\xe1\xba\xa1o c\xe1\xba\xa3 Anh ng\xe1\xbb\xaf v\xc3\xa0 ng\xc3\xb4n ng\xe1\xbb\xaf m\xc3\xa0 qu\xc3\xbd v\xe1\xbb\x8b ch\xe1\xbb\x8dn \xc4\x91\xe1\xbb\x83 th\xe1\xba\xa3o lu\xe1\xba\xadn v\xe1\xbb\x9bi ch\xc3\xbang\nt\xc3\xb4i hay Ng\xc6\xb0\xe1\xbb\x9di B\xc3\xa1n H\xc3\xa0ng 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 c\xe1\xbb\xa7a Tr\xc6\xb0\xc6\xa1ng M\xe1\xbb\xa5c c\xe1\xbb\xa7a qu\xc3\xbd v\xe1\xbb\x8b. Th\xc3\xb4ng\nd\xe1\xbb\x8bch vi\xc3\xaan c\xc5\xa9ng kh\xc3\xb4ng ph\xe1\xba\xa3i l\xc3\xa0 nh\xc3\xa2n vi\xc3\xaan c\xe1\xbb\xa7a Ng\xc6\xb0\xe1\xbb\x9di B\xc3\xa1n H\xc3\xa0ng ho\xe1\xba\xb7c do Ng\xc6\xb0\xe1\xbb\x9di B\xc3\xa1n H\xc3\xa0ng cung\nc\xe1\xba\xa5p cho qu\xc3\xbd v\xe1\xbb\x8b. (3) 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 ch\xe1\xbb\xa9a trong nh\xe1\xbb\xafng\nv\xc4\x83n ki\xe1\xbb\x87n \xc4\x91\xc3\xadnh k\xc3\xa8m n\xc3\xa0y.\nSERTIPIKO NG TAGAPAGSALING-WIKA. ANG KATIBAYANG ITO AY MALALAPAT KAPAG\nNAGPASIYA KAYONG MAKIPAG-USAP SA AMIN O SA MANGANGALAKAL UKOL SA MGA\nTAKDA AT KONDISYON NG INYONG ACCOUNT SA TAGALOG. Sa pagpirma ng aplikasyon\npara sa credit card, paggamit o kaya\xe2\x80\x99y sa pagtanggap ng Card o kaugnay na Account na\nibinigay sa inyo, pinapatunayan ninyo sa Wells Fargo Bank, N.A. (kami) na: (1) Natanggap at\nnapag-usapan ninyo ng inyong tagapagsaling-wika ang Kasunduang ito at kayo ng inyong\ntagapagsaling-wika ay nabigyan ng pagkakataon na makipag-usap at makipagkasundo sa\namin o sa Mangangalakal tungkol sa mga takda at kondisyon na nilalaman ng mga nakalakip\nna dokumentong ito; (2) Ang inyong tagapagsaling-wika ay hindi kukulangin sa 18 taong\ngulang at matatas sa Ingles at wikang Tagalog na pinili ninyo upang makipag-usap sa amin\no sa Mangangalakal tungkol sa mga takda at kondisyon ng inyong Account, at hindi siya\ntauhan ng Mangangalakal o nakuha sa pamamagitan ng Mangangalakal; (3) Naiintindihan\nninyo at sumasang-ayon kayo sa mga takda at kondisyon na nilalaman ng mga nakalakip\nna dokumentong ito.\nNotices\nTHE MILITARY LENDING ACT NOTICE: Federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the costs of consumer credit to a member of the Armed Forces and his or\nher spouse or dependent may not exceed an annual percentage rate of 36 percent. This rate\nmust include, as applicable to the credit transaction or account: The costs associated with\ncredit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). Please Note: There are NO credit insurance\npremiums, fees for ancillary products, or application fees with this Account.\nYou may contact us at 1-800-338-3273 for information about the Military Annual Percentage\nRate and a description of your payment obligation.\nThe Arbitration Agreement does not apply to you if you are covered by the Military Lending\nAct nor do any provisions that waive any right to legal recourse under any state or federal\nlaw to the extent required by the Military Lending Act.\nIN CALIFORNIA: A married applicant may apply for a separate account. After credit\napproval, each applicant will have the right to use this Account to the extent of any limit set\nby us, and may be liable for all amounts extended under this Account to any joint applicant.\nIN NEW JERSEY: Certain provisions of this Agreement are subject to applicable law. As a\nresult, they may be void, unenforceable or inapplicable in some jurisdictions. None of these\nprovisions, however, is void, unenforceable or inapplicable in New Jersey.\nIN NEW YORK, RHODE ISLAND & VERMONT: A consumer report may be requested in\nconnection with this application or any update, renewal or extension of any credit granted\nas a result of this application. Upon your request, you will be informed whether a report\nwas obtained, and if so, the name and address of the consumer report agency. You consent\nto our obtaining of such reports by signing or otherwise submitting a credit application.\n\nIN OHIO: The Ohio laws against discrimination require that all creditors make credit\nequally available to all creditworthy customers, and that credit reporting agencies maintain\nseparate credit histories on each individual upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\nIN WISCONSIN: If you are applying either individually or jointly with someone other than\nyour spouse, please contact us immediately at: 1-855-412-2787 and provide us with the\nname and address of your spouse. We are required by law to inform your spouse that you\nhave opened an account with us. Also, please note that no provision of a marital property\nagreement (including a Statutory Individual Property Agreement pursuant to Sec. 766.587,\nWis. Stat.), unilateral statement classifying income from separate property under Sec.\n766.59, or court decree under Sec. 766.70 adversely affects the creditor unless the creditor\nis furnished with a copy of the document prior to the credit transaction or has actual\nknowledge of its adverse provisions at the time the obligation is incurred.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing\nAct.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nWells Fargo Bank, N.A.\nP.O. Box 522\nDes Moines, IA 50306\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to\nstop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are\nnot required to investigate any potential errors and you may have to pay the amount in\nquestion.\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.\nWe 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\nyou why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter We Finish Our Investigation, One Of Two Things Will Happen\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest\nor other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount\nyou owe and the date payment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount\nyou question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may\nhave 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\ncurrent mailing address, and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your Credit Card Account do not\nqualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact\nus in writing at:\nWells Fargo Bank, N.A.\nP.O. Box 522\nDes Moines, IA 50306\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as delinquent.\n\nPage 4 of 4\n\n6102OA PLFX (0121)\n\n\x0c'