PRICING ADDENDUM FOR CREDIT CARD ACCOUNT AGREEMENT GENERAL TERMS
As of September 30, 2011

Interest Rates and Interest Charges
Annual Percentage Rate (APR) 
for Purchases

U.S. Prime Rate + 24.74%

This APR will vary with the market based on the U.S. Prime Rate (“Index Rate”).

APR for Cash Advances

U.S. Prime Rate + 24.74%

This APR will vary with the market based on the U.S. Prime Rate (“Index Rate”).

Paying Interest

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month. We will begin charging interest 
on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

Fees
Annual Fee

Transaction Fees
•	 Cash Advance

Penalty Fees

•	 Late Payment

•	 Returned Payment 

None

Either $10.00 or 5% of the amount of each cash advance, whichever is greater.

Up to $35.00

Up to $35.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.

Loss of Introductory or Promotional APR: We may end your introductory or promotional APR and apply the regular APR for Purchases if 
you fail to make the Minimum Payment Due for your Account within 60 days after the Payment Due Date. Your introductory or promotional 
APR will also end when your introductory or promotional terms expire. See your Agreement for more details. 

How We Will Calculate Your Variable APRs: Unless an introductory or promotional rate is in effect, we will add a “Margin” to an “Index 
Rate” to determine your variable APR. The Index Rate we use is based on the prime rate, and is subject to quarterly changes. The prime 
rate we use is the U.S. prime rate published in the Money Rates section of The Wall Street Journal on the first business day of the month 
preceding the month of the rate change date. If more than one U.S. prime rate is published that day, the average of the prime rates will 
be used. The rate change date for each quarter is the first day of the first billing cycle beginning on or after January 1, April 1, July 1, and 
October 1. If the prime rate increases, your APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment 
Due. Daily periodic rates are calculated by dividing the applicable APR by 365. 

How We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $25.00. For any subsequent event 
within a rolling six month period, the fee will be the lesser of the Minimum Payment Due or $35.00. 

The information about the cost of credit is accurate as of September 30, 2011.  This information may have changed after that date.  To find 
out what may have changed, call us at 1-800-459-8451.

Variable Interest Rate Calculation

Index Rate effective as of 09/30/2011

3.25%

Margin added to the Index Rate to determine your APR for Purchases and APR for Cash Advances

24.74%

APR for Purchases and APR for Cash Advances

27.99%

© 2011 Wells Fargo Financial National Bank. All rights reserved.

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VISA® CREDIT CARD ACCOUNT AGREEMENT GENERAL TERMS

NOTICE  TO  CALIFORNIA  CARDHOLDERS.  To  our  California  customers  who  have 
discussed credit card terms and conditions with us or the Merchant in Spanish, Chinese, 
Korean, Vietnamese, or Tagalog:
Read the section titled INTERPRETER CERTIFICATION before you use your Account.
Lea la sección titulada CERTIFICACIÓN DEL INTÉRPRETE antes de usar su Cuenta.
在使用您的帳戶以前，請閱讀題為「傳譯員確認書」一節。
귀하의 계좌를 이용하기 전에 먼저 통역사 인증이라는 제목의 섹션을 읽으십시오
Đọc mục tựa đề CHỨNG NHẬN THÔNG DỊCH VIÊN trước khi quý vị sử dụng Trương 
Mục của mình.
Basahin  ang  seksyon  na  pinamagatang  SERTIPIKO  NG TAGAPAGSALING-WIKA  bago 
ninyo gamitin ang inyong Account. 

These terms apply to your entire account:
AGREEMENT.  This  Credit  Card  Account  Agreement  General  Terms  includes  the 
Important  Terms  of  Your  Credit  Card  Account,  which  is  fully  incorporated  herein 
by  reference,  and  constitutes  your  Agreement  with  us  that  covers  your  Account 
(“Agreement”). In this Agreement, the words “you” and “your” mean each person who 
signed the credit card account application. The words “we”, “us” and “our” mean Wells 
Fargo Financial National Bank, 4455 Spring Mountain Road, Las Vegas, NV 89102. The 
word “Merchant”  means  any  merchant  who  has  a  merchant  agreement  with  us  to 
participate in this credit card program. The word “Account” refers to the credit card 
account you have with us. If you have a joint Account, each of you are bound by this 
Agreement, and each of you are responsible for payment of the Outstanding Account 
Balance.
DEFINITIONS.  The  following  capitalized  terms  used  herein  have  the  following 
meanings: (1) “Card” means any credit card or other credit instrument or device we may 
send to you for use with your Account; (2) “New Balance” is the Outstanding Account 
Balance as of a statement closing date; (3) “Outstanding Account Balance” means the 
sum of all unpaid amounts: in the regular subaccount, in all special subaccounts, and in 
the Visa subaccount; (4) “Payment Stub” is the portion of your billing statement that is 
to be returned with your payment; and (5) “Remittance Address” is the address to which 
you mail your payment, as located on your Payment Stub. Other capitalized terms shall 
have the meanings set forth elsewhere in the Agreement.
SIGNATURE. Your signature on the credit card application means that you have read 
and agree to the terms of this Agreement. You acknowledge receipt of a copy of this 
Agreement.
USE OF ACCOUNT. The use of your Account by you or anyone permitted by you indicates 
your acceptance of the terms of this Agreement. You promise that all purchases made 
using your Account will only be for personal, family or household purposes.
PROMISE TO PAY. When you use your Account or let someone else use it, you promise 
to pay the total amount of the transaction as well as any interest or fees that may be 
due. All amounts owed must be paid in United States dollars.
OVERVIEW  OF  ACCOUNT.  If  you  use  your  Card  for  a  purchase  at  a  participating 
Merchant and the sales slip says that the transaction is a regular or special purchase, 
the  purchase  will  be  part  of  the  regular  or  special  subaccount,  and  is  not  a  Visa 
transaction.  As  a  result,  these  transactions  are  not  eligible  for  certain  benefits  that 
apply to transactions processed over the Visa network. For example, transactions at a 
participating Merchant which are part of the regular or special subaccount do not count 
as eligible transactions for promotions that are sponsored by Visa. You do, however, 
retain the option to make a purchase from a participating Merchant and, at the time 
of purchase, tell the participating Merchant that you want the purchase to be part of 
your Visa subaccount rather than the regular or special subaccount. All portions of the 
Account are covered by the section of the Agreement titled YOUR BILLING RIGHTS: 
KEEP THIS DOCUMENT FOR FUTURE USE. In addition, the Visa subaccount is covered 
by Visa’s zero liability policy. All transactions which are part of the Visa subaccount are 
Visa transactions.  
CREDIT LIMIT. We will assign a credit limit to your Account (“Credit Limit”). We may 
also designate a percentage of the Credit Limit that is available for transactions within 
the Visa subaccount (“Visa Credit Limit”). We will notify you of your Credit Limit (as 
well as any Visa Credit Limit) at or before the time you receive your Card. You promise 
to use your Account only to the Credit Limit. In addition, if applicable, you agree you 
will not let your Visa subaccount balance exceed the Visa Credit Limit. You also agree 
that we are not obligated to extend credit to you for an amount that would make your 
Account  exceed  your  Credit  Limit,  or  your Visa  subaccount  exceed  your Visa  Credit 
Limit. We can change your Credit Limit (as well as any Visa Credit Limit) at any time. If 
you use your Account for more than your Credit Limit (as well as any Visa Credit Limit), 
you will remain liable for your Outstanding Account Balance, and we do not give up 
any of our rights.
BILLING CYCLE. A billing cycle is the interval between monthly billing statements. The 
statement closing date shown on a billing statement is the last day of the billing cycle 
for that billing statement.
PAYMENT DUE DATE. The Payment Due Date is the date the Minimum Payment Due 
is due to us and is shown on your billing statement.
DEFAULT. Your Account will be in default if any of the following conditions or events 
occur: (1) you fail to pay the Minimum Payment Due for your Account by the Payment 
Due Date; (2) you violate the terms of this Agreement; or (3) you file for bankruptcy. If 
your Account is in default, our rights include, but are not limited to, refusing to authorize 
further transactions on your Account, closing your Account, and, to the extent allowed 
by  applicable  law,  requiring  the  immediate  payment  of  your  Outstanding  Account 
Balance.

LOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. If you believe 
that your Card may have been lost or stolen or that your account number may have 
been used without your authorization, you must contact us immediately at the address 
or telephone number shown on your billing statement. You may notify us orally or 
in writing. You agree to assist us in determining the facts, circumstances, and other 
pertinent information relating to any loss, theft, or possible unauthorized use of your 
Card and to comply with such procedures as we may require in connection with our 
investigation. You will not be held liable for the unauthorized use of your Account.
REFUSAL TO HONOR CARD. We are not responsible for the refusal of anyone to honor 
your Card.
UNLAWFUL TRANSACTIONS. You agree that you will not use your Account for any 
transaction that is unlawful. In addition, we reserve the right to deny transactions or 
authorizations from merchants apparently engaging in the Internet gambling business 
or identifying themselves through the Card transaction record or otherwise as engaged 
in such business.
ASSIGNMENT. We have the right to assign your Account to another creditor. You do 
not have the right to assign your Account.
CHANGE IN TERMS OF YOUR ACCOUNT. We can change or add to any terms of your 
Account at any time. We do not guarantee that the fees and the Annual Percentage 
Rates  (APRs)  on  your  Account  are  for  any  particular  length  of  time.  Future  changes 
will be made in accordance with this Agreement and applicable law. We will provide 
you with such notice as is required by applicable law. Such changes may apply to the 
existing balances on your Account as well as to future balances in accordance with 
this Agreement and applicable law. If required by applicable law, we will permit you 
to reject certain types of changes, by providing us with an opt-out notice and closing 
your Account, and you would then be permitted to repay any Outstanding Account 
Balance on your Account without the rejected changes.
RIGHT TO LIMIT OR CLOSE. We may limit or close your Account, but the terms of this 
Agreement will apply until the Outstanding Account Balance is fully paid.
DELAY IN ENFORCEMENT. We may waive or delay enforcing any of our rights without 
losing  them. We  may  waive  or  delay  enforcing  a  right  against  one  of  you  without 
waiving it as to the other.
TELEPHONE  MONITORING  AND  CONTACTING  YOU.  From  time  to  time  we  may 
monitor and record telephone calls regarding your Account to assure the quality of 
our service. You agree, in order for us to service your Account or to collect any amounts 
you may owe, that we may from time to time make calls and/or send e-mails and/or 
text messages to you, using prerecorded/artificial voice messages and/or through the 
use  of  an  automatic  dialing  device,  at  any  telephone  number  associated  with  your 
Account, including wireless telephone numbers that could result in charges to you, or 
at any e-mail address you provide to us.
CHANGE  OF  NAME,  ADDRESS,  OR TELEPHONE  NUMBER(S).  You  are  responsible 
for  promptly  notifying  us  of  a  change  in  your  name,  address  (including  any  e-mail 
address(es) at which you agree to be contacted), or telephone number(s) (including 
any wireless telephone number(s)).
CREDIT INFORMATION. You promise that any information you give to us in connection 
with  your  application  or  Account  is  true  and  complete  and  understand  that  this 
information will be relied on by us in establishing your Account and in extending credit 
under your Account. We may report information we receive from you in connection 
with your Account and information about your transactions with us to credit bureaus 
and others as permitted by applicable law.
AUTHORIZATION TO  INVESTIGATE  CREDIT  INFORMATION  AND  OBTAIN  CREDIT 
REPORTS. You authorize us to investigate your credit, employment, assets, and income 
records and to verify your credit references. You authorize us to obtain credit reports on 
you in connection with your application, in connection with any review, enhancement 
or  collection  of  your  Account  and  for  marketing  purposes.  You  instruct  any  credit 
bureau to provide credit reports for these purposes to us or to any creditor to whom 
we assign your Account.
NOTIFYING US OF INACCURATE INFORMATION. You have the right to notify us if we 
report inaccurate information about your Account to the credit bureaus. Such notices 
should be sent in writing to us at: Wells Fargo Financial National Bank, P.O. Box 14595, 
Des Moines, IA 50306. Please include your account number and a description of the 
information that is incorrect.
DISCLOSURE  OF  INFORMATION  ABOUT  YOU  AND  THIS  ACCOUNT  –  CONSENT. 
We may disclose information we receive from you in connection with your Account 
to the Merchants where you use your Card or Account and their corporate affiliates 
and to the sponsor of this credit card program if there is a sponsor. We may disclose 
information  about  transactions  under  your  Account  with  the  Merchants  where  the 
transactions occurred and their corporate affiliates and to the sponsor of this credit 
card program if there is a sponsor. The sponsor of a credit card program is a franchisor, 
manufacturer, distributor of goods or an association of providers of goods or services 
or both goods and services that has arranged with us to make this credit card program 
available to Merchants associated with the sponsor. They may use this information to 
offer additional products to you and for other marketing purposes. You consent to these 
disclosures and use of information. We may also disclose information about you and 
your Account to nonaffiliated third parties as permitted or required by law.
APPLICABLE LAW. This Agreement is made in the state of Nevada. This Agreement is 
governed by applicable federal law and the law of the state of Nevada.
MINIMUM INTEREST CHARGE. If there is an interest charge due in any billing cycle that 
is less than $1.00, you will be charged a minimum interest charge of $1.00.

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FEES. You agree to pay the following fees. Please see the accompanying Important 
Terms of Your Credit Card Account for the fee amounts applicable to your Account. 
These  fees  will  be  charged  to  your  regular  subaccount  unless  otherwise  specified 
below:

Late Payment Fee. A late payment fee may be charged if we do not receive at 
least the Minimum Payment Due by the Payment Due Date printed on each billing 
statement. 
Returned Payment Fee. A returned payment fee may be charged when a check 
or  similar  instrument  is  not  honored,  when  it  cannot  be  processed,  or  when  an 
electronic debit is returned unpaid. This includes checks that you have authorized 
us to write on your checking account. This fee may be charged if a payment check 
or similar instrument is not honored the first time it is presented for payment, even 
if it is honored when subsequently presented.
Convenience Payment Fee. To the extent allowed by applicable law, a convenience 
payment  fee  of  $10.00  may  be  charged  if  you  request  an  expedited  payment 
be  made  to  your  Account. The  fee  will  be  disclosed  to  you  at  the  time  of  your 
request.
Cash Advance Fee. A cash advance fee may be charged to your Visa subaccount 
each time you obtain a cash advance. The amount of the cash advance fee will be 
5% of the amount of the cash advance, but not less than $10.00 for any single cash 
advance. This fee is a finance charge that will be added to your Visa subaccount 
balance on the date the transaction is posted to your Account.
Attorneys  Fees  and  Court  Costs.  If  you  default  and  we  refer  your  Account  for 
collection  to  an  attorney  who  is  not  our  salaried  employee,  you  agree  to  pay 
reasonable  attorney’s  fees  and  actual  court  costs  to  the  extent  permitted  by 
applicable law.

MINIMUM PAYMENT. You  promise  that  by  the  Payment  Due  Date  printed  on  each 
billing statement, you will pay at least the Minimum Payment Due for your Account. 
The Minimum Payment Due for your Account is the sum of any past due amounts, 
plus the minimum monthly payment for Regular Payment Terms (as described in the 
section REGULAR PAYMENT TERMS) plus the minimum monthly payment(s) for special 
subaccounts  with  Payment  in  Full/’Equal  Payments’  or  Custom  Payments  terms  (as 
described in the Payment in Full/’Equal Payments’ and Custom Payments subsections of 
the SPECIAL PAYMENT TERMS section). The Minimum Payment Due may also be referred 
to as the Total Minimum Payment, and is listed on your Payment Stub.
REGULAR  PAYMENT  TERMS.  Unless  a  sales  slip  indicates  that  a  subaccount  has 
payment  terms  of  Payment  in  Full/’Equal  Payments’  or  Custom  Payments  terms,  all 
subaccounts will have Regular Payment Terms. The minimum monthly payment for 
Regular Payment Terms will be the greater of: (1) $35.00 (or if the new balance of the 
applicable  subaccount(s)  is  less  than  $35.00,  the  minimum  monthly  payment  will 
be the new balance amount); (2) 3.5% of the highest new balance of the applicable 
subaccount(s); or (3) the sum of interest charges (excluding accrued interest charges 
for special subaccount(s) with no interest option interest terms), fees assessed to your 
Account during the current billing cycle, and 1% of the highest new balance of the 
applicable subaccount(s).
PAYMENT  REQUIREMENTS.  Conforming  Payments  are  payments  mailed  to  the 
Remittance Address using the Payment Stub and envelope enclosed with your billing 
statement,  or  generally,  made  via  our  web  site.  Conforming  Payments  received  in 
our post office box at the Remittance Address on or before 5:00 p.m. local time at the 
Remittance Address will be credited as of the date of receipt. Conforming Payments 
received in our post office box at the Remittance Address after 5:00 p.m. local time at 
the Remittance Address will be credited as of the next day. Cut-off times for Conforming 
Payments made via our web site will be disclosed at the time of the transaction. Non-
Conforming Payments are payments made by any other means and may not receive 
credit for up to five days after the date of receipt. Non-Conforming Payments include, 
but are not limited to, placing the Payment Stub and envelope enclosed with your 
billing statement in another envelope. You may pay your Outstanding Account Balance 
in full or more than the Minimum Payment Due at any time. Payment of more than the 
Minimum Payment Due but less than the Outstanding Account Balance will not relieve 
you of the obligation to make the Minimum Payment Due in the next billing cycle.
IRREGULAR PAYMENTS. We may accept late payments, partial payments, post-dated 
checks, or any form of payment containing a restrictive endorsement, without losing 
any of our rights under this Agreement. Our acceptance of checks or money orders 
labeled “payment  in  full”,  or  words  to  that  effect,  will  not  constitute  an  accord  and 
satisfaction nor a waiver of any rights we have to receive full payment. If you intend 
to claim to pay your Account in full with an amount less than the total Outstanding 
Account Balance, payments must be sent to: Wells Fargo Financial National Bank, P.O. 
Box 14453, Des Moines, IA 50306. Please note that such a payment will not discharge 
your full debt. 
APPLICATION OF PAYMENTS AND CREDITS. To the extent that your monthly payment 
exceeds the Minimum Payment Due, we will allocate the excess amount first to special 
subaccounts with no interest option interest terms during the two full billing cycles 
immediately preceding expiration of the special terms period (if applicable), then to 
balances with the highest APR, and any remaining portion to balances with higher 
APRs before lower APRs. For purposes of this section only, special subaccounts with no 
interest option interest terms not in the two full billing cycles immediately preceding 
expiration of the special terms period are considered to have an APR of 0%. Otherwise, 
we will allocate payments in our sole discretion. In all cases, we will apply payments 
and credits in accordance with applicable law. We post payments to the billing cycle 
within which they are received and any payment amount in excess of the Minimum 
Payment  Due  are  allocated  based  on  the  balances  reflected  on  your  last  billing 
statement. If more than one payment is posted in a billing cycle, but there remains a 
balance on the Account, you will still be required to make the Minimum Payment Due 
in the subsequent billing cycle.

FOREIGN CURRENCY TRANSACTIONS. If you engage in a transaction in a currency 
other than U.S. dollars using your Card, then Visa International will convert the charge 
into a U.S. dollar amount. The exchange rate between the transaction currency and 
the billing currency used for processing international transactions is a rate selected by 
Visa from the 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 the 
government-mandated rate in effect for the applicable central processing date. The 
currency conversion rate on the processing date may differ from the rate that would 
have been used on the date of the transaction or the date the transaction is posted to 
your Account. Some merchants outside the United States offer cardholders the option 
of having Card transactions converted to U.S. dollars by Visa, as described above, or 
by the merchant itself. If the latter option is chosen, the currency conversion rate is 
determined by the merchant involved in the transaction.
SECURITY  INTEREST.  To  the  extent  permitted  by  applicable  law,  you  hereby  grant 
to  us  and  we  are  retaining  a  purchase  money  security  interest  under  the  Uniform 
Commercial Code in the merchandise purchased on your Account using your regular 
or special subaccounts until such merchandise is paid for in full. You agree to assist us 
in executing any documents necessary to perfect our security interest.  

REGULAR AND VISA SUBACCOUNTS
The following terms apply to your regular and Visa subaccounts. Terms applicable only 
to cash advances are addressed in the section CASH ADVANCES. Cash advances are 
applied to your Visa subaccount.
WHEN INTEREST IS IMPOSED. We begin to impose interest charges on a transaction on 
the transaction date. For any transaction that occurred in a prior billing cycle, but which 
was not posted until the current billing cycle, we treat the beginning of the current 
billing cycle as the transaction date. The amount of any unpaid applicable fees will be 
included in the calculation of the average daily balance starting on the first day of the 
billing cycle following the cycle in which the fee posts to your Account. If you paid in 
full the new balance for a subaccount on your immediately preceding billing statement 
by the Payment Due Date (or if the new balance was zero), then you will not be charged 
any interest on the balance of purchases, or portion thereof, reflected on your current 
billing statement that you pay by the Payment Due Date. If at any time you pay the 
new balance for a subaccount on your current billing statement by the Payment Due 
Date, we may, but are not required to, waive interest from the billing statement date 
to the date the payment is received.
PERIODIC RATE. The  daily  periodic  rate  and  corresponding  APR  used  to  figure  the 
interest for the subaccount will be a variable rate, subject to quarterly changes, and 
based  on  the  prime  rate. The  prime  rate  we  use  is  the  U.S.  prime  rate  published  in 
the  Money  Rates  section  of  The  Wall  Street  Journal  on  the  first  business  day  of  the 
month  preceding  the  month  of  the  rate  change  date.  If  more  than  one  U.S.  prime 
rate is published on that day, the average of the prime rates will be used. If the prime 
rate is no longer published or is otherwise unavailable, we may select a comparable 
rate. The  daily  periodic  rate  and  corresponding  APR  will  increase  if  the  prime  rate 
increases and decrease if the prime rate decreases. An increase in the daily periodic 
rate  and  corresponding  APR  may  increase  the  total  amount  of  interest  you  pay  on 
the  subaccount.  An  increase  in  the  daily  periodic  rate  and  corresponding  APR  may 
increase the amount of the minimum monthly payment of the subaccount. The rate 
change date for each quarter is the first day of the first billing cycle beginning on or 
after  January  1,  April  1,  July  1,  and  October  1. The  APR  for  a  billing  cycle  is  figured 
by adding 24.74 percentage points to the prime rate for that billing cycle. The daily 
periodic rate for a billing cycle is figured by dividing the APR by 365. Please see the 
accompanying Important Terms of Your Credit Card Account for the daily periodic rate 
and corresponding APR currently applicable to your Account. 
INTEREST CHARGE. The total interest for the subaccount for a billing cycle will be made 
up of the sum of (i) the amount(s) obtained by applying the applicable daily periodic 
rate(s)  to  the  applicable  average  daily  balance(s)  of  purchases  and  multiplying  the 
product(s) by the number of days in the current billing cycle, plus (ii) the amount(s) 
obtained by applying the applicable daily periodic rate(s) to the applicable average 
daily balance(s) of cash advances and multiplying the product(s) by the number of 
days in the current billing cycle (if applicable).
AVERAGE  DAILY  BALANCE  OF  PURCHASES.  We  calculate  the  daily  balances  for 
purchases  posted  to  the  subaccount  by  starting  with  the  beginning  balance  of 
purchases on the first day of the billing cycle. For each day in the billing cycle, we add 
the amount of all new purchases made, plus any applicable transactions or fees; and 
except for the first day of each billing cycle we add interest equal to the previous day’s 
balance multiplied by the daily periodic rate; we subtract the amount of any payments 
or credits applied to the balance. This gives us the daily balance. Any daily balance 
that is a credit balance will be treated as zero. Then, to calculate your average daily 
balance each month, we calculate the daily balance for each day in the billing cycle, 
add the daily balances together, and divide that total amount by the number of days 
in the billing cycle. This gives us the “average daily balance.” If you have paid in full the 
new balance from your immediately preceding billing statement by the Payment Due 
Date (or if the new balance was zero), then you will not be charged any interest on the 
balance of purchases, or portion thereof, on your current billing statement that you 
pay by the Payment Due Date. You understand and acknowledge that this method 
of calculating interest results in daily compounding of interest. To the extent that 
more than one daily periodic rate applies to the subaccount, we will calculate a separate 
average daily balance for each applicable daily periodic rate.

CASH ADVANCES

These terms apply to cash advances, which are charged to your Visa subaccount:
WHEN INTEREST IS IMPOSED - CASH ADVANCES. Interest figured by applying the 
applicable daily periodic rate will be imposed on cash advances from the transaction 
date until the day they are paid in full. There is no time period within which to pay to 
avoid this interest.

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DAILY  DISBURSEMENTS.  We  reserve  the  right  to  limit  daily  cash  advance 
disbursements including, but not limited to, ATM transactions, bank teller transactions, 
and wire transfers. 
AVERAGE DAILY BALANCE OF CASH ADVANCES. We calculate the daily balances for 
cash advances posted to the Visa subaccount by starting with the beginning balance 
of cash advances on the first day of the billing cycle. For each day in the billing cycle, 
we add the amount of all new cash advances made, plus any applicable transactions 
or  fees;  and  except  for  the  first  day  of  each  billing  cycle  we  add  interest  equal  to 
the  previous  day’s  cash  advance  balance  multiplied  by  the  daily  periodic  rate;  we 
subtract the amount of any payments or credits applied to the cash advance balance. 
This gives us the daily balance of cash advances. Any daily balance of cash advances 
that is a credit balance will be treated as zero. Then, to calculate your average daily 
balance  each  month,  we  calculate  the  daily  balance  of  cash  advances  for  each  day 
in the billing cycle, add the daily balances together, and divide that total amount by 
the number of days in the billing cycle. This gives us the “average daily balance.” You 
understand and acknowledge that this method of calculating interest results in 
daily compounding of interest. To the extent that more than one daily periodic rate 
applies to the Visa subaccount, we will calculate a separate average daily balance for 
each applicable daily periodic rate.

SPECIAL SUBACCOUNTS

These terms apply to special subaccounts:
SPECIAL TERMS. We may from time to time allow you to make purchases at special 
terms. We will only do this for purchases from participating Merchants. This part of 
your Agreement explains how these special terms apply. If a sales slip (including any 
documentation accompanying the purchase) from a participating Merchant indicates 
that special terms apply, then special terms apply for that purchase. You accept the 
special terms by making the purchase.
SUBACCOUNT  ESTABLISHED.  A  purchase  subject  to  special  terms  establishes  a 
subaccount  or  subaccounts  for  the  purchases  listed  on  the  sales  slip.  Special  terms 
shown on a sales slip apply only to purchases listed on the sales slip. Purchases made 
under the same terms and that have special terms that end when the balance of the 
special subaccount is paid in full or that end in the same billing cycle may be included 
in the same special subaccount, even if they were purchased separately.
LENGTH OF SPECIAL TERMS. The special terms for a purchase are in effect for the 
number of monthly billing cycles indicated on the sales slip or until the date indicated 
on the sales slip or billing statement. The length of time special terms are in effect is 
subject to our rights in the section TRANSFER TO REGULAR SUBACCOUNT below.
TRANSFER TO REGULAR SUBACCOUNT. The unpaid balance of a special subaccount 
(and  any  accrued  interest  charges,  if  applicable)  will  be  transferred  to  your  regular 
subaccount at the end of the special terms but before the minimum payment is figured. 
We may, at our option (and in accordance with applicable law), transfer the unpaid 
balance of a special subaccount to your regular subaccount any time you fail to pay 
the Minimum Payment Due for your Account within 60 days after the Payment Due 
Date. When the unpaid balance of a special subaccount is transferred to your regular 
subaccount in connection with failing to pay the Minimum Payment Due as described 
above, the special terms will be suspended and the unpaid balance will be subject to 
all the terms of your regular subaccount. You may qualify for reinstatement of special 
terms if: (1) you pay each of the Minimum Payments Due on your billing statements 
by  their  respective  Payment  Due  Dates  for  six  consecutive  billing  cycles  beginning 
with the Payment Due Date immediately following the effective date that the unpaid 
balance  of the  special subaccount was transferred to your regular subaccount; and 
(2) the length of time the special terms in effect prior to the transfer has not already 
lapsed or otherwise expired. If you satisfy these conditions, the special interest terms 
may be reinstated effective on the first day of the billing cycle following the cycle in 
which the sixth consecutive Minimum Payment Due is received by the Payment Due 
Date. If a Payment in Full/’Equal Payments’ term applied prior to suspension of your 
special terms, such special payment terms may not be reinstated. If you fail to satisfy 
the  conditions  described  above  (including  failing  to  pay  any  of  the  six  consecutive 
minimum payments specified above), your special terms will immediately end and the 
unpaid balance (and accrued interest charges, if applicable) will be subject to all the 
terms of your regular subaccount.
SPECIAL INTEREST TERMS. A sales slip will indicate that one or more of the following 
special interest terms applies. 

No Interest. If a sales slip says there is no interest, it means that there is no interest 
on the special subaccount for the purchases on the sales slip until the no interest 
special terms end. You may avoid interest on a no interest special subaccount by 
paying the balance of the special subaccount in full before the no interest special 
terms end.
No Interest Option. If a sales slip says no interest option, it means we figure interest 
(using  a  method  that  results  in  daily  compounding  of  interest)  on  that  special 
subaccount  containing  the  purchases  on  that  sales  slip,  but  we  do  not  add  the 
interest to the balance you must pay to pay the special subaccount in full. Instead, 
the interest is added to the total interest for the special subaccount for prior months. 
This amount is called the accrued interest charge. If the special subaccount is not 
paid in full before the no interest option special terms end or if you fail to pay the 
Minimum Payment Due for your Account within 60 days of the Payment Due Date, 
the  balance  of  that  subaccount  may  be  transferred  to  your  regular  subaccount. 
The daily periodic rate used in figuring the interest for the special subaccount and 
the corresponding APR are the same as those used for your regular subaccount. 
We figure the interest on a no interest option special subaccount by applying the 
daily  periodic  rate  to  the “average  daily  balance”  of  the  special  subaccount  and 
multiplying the product by the number of days in the current billing cycle. The rate 
may vary along with the rate for your regular subaccount. We calculate the daily 
balances for purchases in the special subaccount by starting with the beginning 

balance of purchases on the first day of the billing cycle. For each day in the billing 
cycle, we add the amount of all purchases made, plus any applicable transactions 
or fees; and except for the first day of each billing cycle we add interest equal to 
the previous day’s purchase balance multiplied by the daily periodic rate applicable 
to purchases, we subtract the amount of any payments or credits applied to the 
purchase balance. This gives us the daily balance of purchases. Any daily balance 
of purchases that is a credit balance will be treated as zero. Then, to calculate your 
average daily balance each month, we calculate the daily balance of purchases for 
each day in the billing cycle, add the daily balances together, and divide that total 
amount by the number of days in the billing cycle. This gives us the “average daily 
balance.” Interest on a purchase in a no interest option special subaccount begins 
on  the  date  the  transaction  is  posted  to  your  Account. You  may  avoid  interest 
on a purchase in a no interest option special subaccount by making all required 
minimum  monthly  payments  and  paying  that  special  subaccount  in  full  before 
the special terms end. You understand and acknowledge that this method of 
calculating interest results in daily compounding of interest.
Special Rate. If a sales slip shows a special rate, it means that the APR shown on 
that sales slip (and the corresponding daily periodic rate equal to the APR divided 
by 365) will be used to figure interest for that special subaccount instead of the 
daily  periodic  rate  applicable  to  the  regular  subaccount. The  balance  on  which 
interest is computed will be figured using the same method used for your regular 
subaccount. Interest is calculated and applied to the special subaccount using the 
same method as described in the regular subaccount.
Regular Rate. If a sales slip shows a regular rate, it means that the APR and the 
corresponding daily periodic rate used to figure interest for that special subaccount 
are the same as those used for your regular subaccount, which, if applicable may 
vary. The balance on which interest is computed will be figured using the same 
method  used  for  your  regular  subaccount.  Interest  is  calculated  and  applied 
to  the  special  subaccount  using  the  same  method  as  described  in  the  regular 
subaccount.

SPECIAL PAYMENT TERMS. A sales slip will indicate that one or more of the following 
special payment terms applies.
Payment in Full/’Equal Payments’. If a sales slip says that Payment in Full or ‘Equal 
Payments’ is required, it means the minimum monthly payment for a special subaccount 
for  the  purchase  listed  on  that  sales  slip  is  the  amount  required  to  pay  the  special 
subaccount in full, in monthly payments during the length of time indicated on the 
sales  slip.  The  minimum  monthly  payment  required  during  the  Payment  in  Full  or 
‘Equal Payments’ period will be in an amount required to pay the unpaid balance of 
the special subaccount at the beginning of the first full billing cycle of the Payment 
in Full or ‘Equal Payments’ period, in full, in monthly payments, rounded to the next 
higher whole cent. Because of rounding, the final monthly payment could be less than 
the other payments. If you pay each minimum monthly payment as required for the 
Payment in Full or ‘Equal Payments’ special subaccount, the special subaccount will be 
paid in full at the end of the special terms period.
Custom Payments. If a sales slip says that the payment terms are Custom Payments 
and gives a fraction, or a percent, it means that the minimum monthly payment for 
the special subaccount is that fraction, or percent, of the highest new balance of the 
special subaccount. If the sales slip says that the payment terms are Custom Payment 
terms and gives a dollar amount and a time period, it means the minimum monthly 
payment for the special subaccount will be the dollar amount given for the length of 
time indicated on the sales slip.

OTHER IMPORTANT INFORMATION
INTERPRETER  CERTIFICATION.  THIS  CERTIFICATION  APPLIES  IF  YOU  CHOSE  TO 
DISCUSS  WITH  US  OR  THE  MERCHANT  THE  TERMS  AND  CONDITIONS  OF  YOUR 
ACCOUNT IN SPANISH, CHINESE, KOREAN, VIETNAMESE, OR TAGALOG.
By signing the credit card application, using or otherwise accepting the Card or related 
Account issued to you, you certify to Wells Fargo Financial National Bank (us) that: (1) 
You have received and discussed this Agreement with your interpreter and that you 
and your interpreter have been given an opportunity to discuss and negotiate with us 
or the Merchant the terms and conditions contained in these enclosed documents; (2) 
Your interpreter is at least 18 years old and is fluent both in English and in the language 
in which you chose to discuss with us or the Merchant the terms and conditions of 
your Account, and is not employed by or made available through the Merchant; (3) 
You understand and agree to the terms and conditions contained in these enclosed 
documents as written.
CERTIFICACIÓN DEL INTÉRPRETE. ESTA CERTIFICACIÓN ES DE APLICACIÓN SI USTED 
ELIGE DISCUTIR CON NOSOTROS O EL COMERCIANTE LOS TÉRMINOS Y CONDICIONES 
DE SU CUENTA EN ESPAÑOL.
Al firmar la solicitud de tarjeta de crédito, utilizar o de otra manera aceptar la tarjeta o 
cuenta relacionada que le hayamos emitido, usted certifica ante Wells Fargo Financial 
National Bank (nosotros) que: (1) usted ha recibido y discutido este acuerdo con su 
intérprete y se le ha otorgado a usted y a su intérprete la oportunidad de discutir y 
negociar con nosotros o el Comerciante los términos y condiciones contenidos en estos 
documentos adjuntos; (2) su intérprete tiene por lo menos 18 años de edad y domina 
con fluidez tanto el idioma inglés como el idioma en el cual usted decide discutir con 
nosotros o el Comerciante los términos y condiciones de su cuenta, y no está empleado 
o ha sido facilitado por el Comerciante; (3) usted comprende y conviene en los términos 
y condiciones contenidos en estos documentos adjuntos, según están escritos.
傳譯員確認書。如果您選擇用中文和我們或商家討論有關您的帳戶的條款和條
件，本確認書適用。
如果您簽署信用卡申請書、使用或以其他方式接受富國銀行（Wells Fargo Financial 
National  Bank，「我們」）核發給您的卡或相關帳戶，您即向我們確認：(1)  您已
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經收到並與您的傳譯員討論過本協議，而且您及您的傳譯員已有機會與我們或商
家討論、協商本文件中包含的條款及條件。(2)  您的傳譯員至少年滿18歲，並能
夠流利使用英文和中文（您選擇用中文與我們或商家討論您帳戶的條款及條件）
，且該傳譯員並非商家僱員，亦非經由商家安排。(3)  您理解並同意本文件中包
含的現有書面條款與條件。
통역사 인증. 귀하의 계좌 이용약관에 대해 저희 또는 가맹점과 한국어로 논의할 것을 
선택하셨다면 이 인증이 적용될 것입니다.
카드  신청서에  서명하거나,  귀하에게  발행된  카드  혹은  관련  계좌를  사용하거나 
수락함으로써 귀하는 Wells Fargo Financial National Bank(저희)에 다음에 명시된 
사항을 보증하시게 됩니다.
(1)  귀하는  귀하의  통역사와  함께  이  동의서를  받고  검토하였으며,  귀하와  귀하의 
통역사에게 이 동봉된 서류들의 약정에 대해 저희 또는 가맹점과 논의하고 검토할 
수 있는 기회를 드렸습니다.
(2)  귀하의  통역사는  18  세  이상이며,  영어와  귀하가  저희  또는  가맹점과  귀하의 
이용약관에 대해 논의할 언어로 선택한 한국어에 모두 능통하며, 가맹점에서 또는 
가맹점을 통해 고용하지 않았습니다.
(3) 귀하는 이 동봉된 서류들에 기재된 이용약관을 이해하며 그 내용에 동의합니다.
CHỨNG NHẬN THÔNG DỊCH VIÊN. SỰ CHỨNG NHẬN NÀY ÁP DỤNG NẾU 
QUÝ  VỊ  ĐÃ  QUYẾT  ĐỊNH  BÀN  THẢO  VỚI  CHÚNG  TÔI  HAY  NGƯỜI  BÁN 
HÀNG VỀ CÁC ĐIỀU KIỆN VÀ ĐIỀU KHOẢN CỦA TRƯƠNG MỤC BẰNG TIẾNG 
VIỆT.
Khi ký tên vào đơn xin thẻ tín dụng hoặc sử dụng hay chấp thuận Thẻ hoặc Trương Mục 
liên quan được cấp cho quý vị, quý vị chứng nhận với Wells Fargo Financial National Bank 
(chúng tôi) rằng: (1) Quý vị đã nhận được và bàn thảo bản Thỏa Thuận này với thông dịch 
viên của quý vị, và quý vị và người này đã có cơ hội bàn thảo và thương lượng với chúng 
tôi hay Người Bán Hàng về các điều khoản và điều kiện trong những văn kiện đính kèm 
này. (2) Thông dịch viên của quý vị đã ít nhất 18 tuổi và thông thạo cả Anh ngữ và ngôn 
ngữ mà quý vị chọn để thảo luận với chúng tôi hay Người Bán Hàng về các điều khoản 
và điều kiện của Trương Mục của quý vị. Thông dịch viên cũng không phải là nhân viên 
của Người Bán Hàng hoặc do Người Bán Hàng cung cấp cho quý vị. (3) Quý vị hiểu và 
đồng ý với các điều khoản và điều kiện chứa trong những văn kiện đính kèm này.
SERTIPIKO NG TAGAPAGSALING-WIKA. ANG KATIBAYANG ITO AY MALALAPAT KAPAG 
NAGPASIYA KAYONG MAKIPAG-USAP SA AMIN O SA MANGANGALAKAL UKOL SA MGA 
TAKDA AT KONDISYON NG INYONG ACCOUNT SA TAGALOG.
Sa pagpirma ng aplikasyon para sa credit card, paggamit o kaya’y sa pagtanggap ng 
Card o kaugnay na Account na ibinigay sa inyo, pinapatunayan ninyo sa Wells Fargo 
Financial National Bank (kami) na: (1) Natanggap at napag-usapan ninyo ng inyong 
tagapagsaling-wika  ang  Kasunduang  ito  at  kayo  ng  inyong  tagapagsaling-wika 
ay  nabigyan  ng  pagkakataon  na  makipag-usap  at  makipagkasundo  sa  amin  o  sa 
Mangangalakal tungkol sa mga takda at kondisyon na nilalaman ng mga nakalakip na 
dokumentong ito; (2) Ang inyong tagapagsaling-wika ay hindi kukulangin sa 18 taong 
gulang at matatas sa Ingles at wikang Tagalog na pinili ninyo upang makipag-usap sa 
amin o sa Mangangalakal tungkol sa mga takda at kondisyon ng inyong Account, at 
hindi siya tauhan ng Mangangalakal o nakuha sa pamamagitan ng Mangangalakal; (3) 
Naiintindihan ninyo at sumasang-ayon kayo sa mga takda at kondisyon na nilalaman 
ng mga nakalakip na dokumentong ito.

NOTICES:
IN CA: A married applicant may apply for a separate account. After credit approval, each 
applicant will have the right to use this Account to the extent of any limit set by us, and 
may be liable for all amounts extended under this Account to any joint applicant.
IN NY: A consumer report may be requested in connection with this application or 
any update, renewal or extension of any credit granted as a result of this application. 
You will be informed upon request whether a report was requested and the name and 
address of the consumer reporting agency that furnished the report.
IN  OH:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit 
equally  available  to  all  creditworthy  customers,  and  that  credit  reporting  agencies 
maintain  separate  credit  histories  on  each  individual  upon  request.  The  Ohio  Civil 
Rights Commission administers compliance with this law.
IN WI: No provision of a marital property agreement (including a Statutory Individual 
Property  Agreement  pursuant  to  Sec.  766.587,  Wis.  Stat.),  unilateral  statement 
classifying income from separate property under Sec. 766.59, or court decree under 
Sec. 766.70 adversely affects the creditor unless the creditor is furnished with a copy 
of the document prior to the credit transaction or has actual knowledge of its adverse 
provisions at the time the obligation is incurred.
NOTICE TO THE CARDHOLDER:
1. 

Do  not  sign  this  Agreement  before  you  read  it  or  if  it  contains  any  blank 
space.
You are entitled to a completely filled in copy of this Agreement.
You may at any time pay your total indebtedness.
The Merchant has no right to enter unlawfully your premises or commit any 
breach of the peace to repossess goods purchased under this Agreement.
You  may  cancel  a  transaction  if  it  has  not  been  signed  at  the  main  office 
or  branch  office  of  the  Merchant,  provided  you  notify  the  Merchant  not 
later than midnight of the third business day (fifth business day in Alaska, 
fifteenth business day in North Dakota if you are 65 or older) after the day of 
the transaction (or, in Utah, after the day of the transaction or receipt of the 
product, whichever is later). If applicable, see the Notice of Cancellation for 
an explanation of buyer’s rights. 

2. 
3. 
4. 

5. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the Fair Credit 
Billing Act.
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:
Wells Fargo Financial National Bank
P.O. Box 10475
Des Moines, IA 50306
In your letter, give us the following information:
•	
•	
•	

Account information:
Dollar amount:
Description of problem:
believe is wrong and why you believe it is a mistake.

 If you think there is an error on your bill, describe what you 

 The dollar amount of the suspected error.

 Your name and account number.

You must contact us:
•	
•	

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to 
stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do 
we are not required to investigate any potential errors and you may have to pay the 
amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. 

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.
Within 90 days of receiving your letter, we must either correct the error or explain 
to you why we believe the bill is correct.

2. 

•	

•	

While we investigate whether or not there has been an error:
•	

We cannot try to collect the amount in question, or report you as delinquent on 
that amount.
The charge in question may remain on your statement, and we may continue to 
charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the 
remainder of your balance.
We can apply any unpaid amount against your credit limit.
•	
After we finish our investigation, one of two things will happen:
•	

If  we  made  a  mistake:
interest or other fees related to that amount.
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 the 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.

  You  will  not  have  to  pay  the  amount  in  question  or  any 

•	

If 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 report 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 we 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 first $50 of the 
amount you question even if your bill is correct.
Your 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 
credit 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. 
To use this right, all of the following must be true:
1. 

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 
than  $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 the 
goods or services.)
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 account do 
not qualify.
You must not yet have fully paid for the purchase.

3. 
If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the  purchase, 
contact us in writing at:
Wells Fargo Financial National Bank
P.O. Box 10475
Des Moines, IA 50306
While  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 
we think you owe an amount and you do not pay, we may report you as delinquent.

2. 

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Important Terms of Your Credit Card Account
New York residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods. New 
York State Banking Department 1-877-BANK-NYS (1-877-226-5697)
Interest Rates and Interest Charges
Annual Percentage Rate (APR) 
for Purchases

27.99%

This APR will vary with the market based on the U.S. Prime Rate.

APR for Cash Advances

27.99%

This APR will vary with the market based on the U.S. Prime Rate.

Paying Interest

Minimum Interest Charge
For Credit Card Tips from
the Federal Reserve Board

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month. We will begin charging interest 
on cash advances on the transaction date.
If you are charged interest, the charge will be no less than $1.00.
To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee
Transaction Fees
•	 Cash Advance

Penalty Fees

None

Either $10.00 or 5% of the amount of each cash advance, whichever is greater.

•	 Late Payment
•	 Returned Payment 

Up to $35.00
Up to $35.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Loss of Introductory or Promotional APR: We may end your introductory or promotional APR and apply the regular APR for Purchases if 
you fail to make the Minimum Payment Due for your Account within 60 days after the Payment Due Date. Your introductory or promotional 
APR will also end when your introductory or promotional terms expire. See your Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $25.00. For any subsequent event 
within a rolling six month period, the fee will be the lesser of the Minimum Payment Due or $35.00.
Daily Periodic Rate: The daily periodic rate used to figure interest for your Account is 0.07668%, which is calculated by dividing the APR by 
365. This daily periodic rate will vary with the market based on the U.S. Prime Rate. See your Agreement for more details.
The  information  about  the  cost  of  the  Card  described  in  this  Agreement  is  accurate  as  of  September  2011. This  information  may  have 
changed after that date. To find out what may have changed, call us at 1-800-459-8451.

ARBITRATION AGREEMENT
This Arbitration Agreement (“Arbitration Agreement”) is between Wells Fargo Financial National Bank (collectively “us” or “we” or “our”), including our assignees, agents, employees, 
officers, directors, shareholders, parent companies, subsidiaries, affiliates, predecessors and successors, and the Borrower (“you” or “your”).
The parties agree as follows:
(1)  RIGHT TO ELECT TO ARBITRATE: Any party covered by this Arbitration Agreement may elect to have any claim, dispute or controversy (“Claim”) of any kind (whether in contract, 
tort or otherwise) arising out of or relating to this Agreement, or any prior or future dealings between us, resolved by binding arbitration. The foregoing notwithstanding, we 
shall not initiate an arbitration to collect a consumer debt, but reserve the right to arbitrate all other disputes with our consumer customers. If any party covered by this 
Arbitration Agreement elects arbitration, that election is binding on all parties to this Arbitration Agreement. A Claim may include, but shall not be limited to, the issue of 
whether any particular Claim must be submitted to arbitration, or the facts and circumstances involved with your signing of this Arbitration Agreement, or your willingness to 
abide by the terms of this Arbitration Agreement or the validity of this Arbitration Agreement. Any such election may be made at any time. All parties agree that no party has 
to initiate an arbitration proceeding before exercising remedies of self-help repossession, non-judicial foreclosure, replevin or other similar remedies. In addition, any party 
covered by this Arbitration Agreement retains the right to seek relief in small claims court for any Claim within the scope of the small claims court’s jurisdiction. The filing of a 
lawsuit or the pursuit of other self-help remedies does not mean that any party has waived the right to subsequently elect to submit a Claim to arbitration.

(2)  RULES: If arbitration is elected, it will be conducted pursuant to the rules of the American Arbitration Association which are in effect on the date a dispute is submitted to the 
American Arbitration Association. Information about the American Arbitration Association, its rules, and its forms are available from the American Arbitration Association on 
the internet at http://www.adr.org or from the American Arbitration Association at 335 Madison Avenue, Floor 10, New York, New York 10017-4605. Any hearing will take place 
in the county of your residence. The arbitrator shall be neutral and any party may require that the arbitrator be a retired federal judge. The arbitrator shall apply all applicable 
law and shall provide a written decision that includes findings of fact and conclusions of law. Judgment upon the award issued by the arbitrator may be entered in any court 
having jurisdiction. 

(3)  CLASS CLAIMS OR CONSOLIDATED CLAIMS: THERE IS NO AUTHORITY FOR ANY CLAIMS TO BE ARBITRATED AS A CLASS ACTION OR CONSOLIDATED WITH THE CLAIMS 

OF OTHER PERSONS.

(4)  FEDERAL ARBITRATION ACT: The parties agree this Agreement involves “interstate commerce” and shall be governed by the Federal Arbitration Act (“FAA”), Title 9, United 

States Code, and this Arbitration Agreement shall be governed by the provisions of the FAA.

(5)  FEES & COSTS: If you start an arbitration proceeding, you agree to pay the initial filing fee required under the Rules up to a maximum of $125. The American Arbitration 
Association may, in the event of extreme hardship on the part of any party, defer or reduce the administrative fees. We agree to pay for any part of the filing fee and any deposit 
required under the Rules in excess of $125. We also agree to pay the costs of the arbitration proceeding. If we start an arbitration proceeding, we will pay the filing fee, any 
deposit required under the Rules, and the costs of the arbitration proceeding. Each party shall be responsible for their own attorney, witness, and expert fees and costs unless 
this Agreement (or applicable law) provides otherwise.

(6)  CALIFORNIA RESIDENTS ONLY: In the event that Borrower is a California resident, this Arbitration Agreement shall apply only to disputes in which the Borrower seeks 
to recover for himself or herself an amount of money, not including attorney fees and costs, that exceeds the jurisdictional dollar limit of the Small Claims Court.
(7)  LIMITATION OF RIGHTS: IF ARBITRATION IS ELECTED BY ANY PARTY UNDER THIS ARBITRATION AGREEMENT: (A) YOU WILL NOT HAVE THE RIGHT TO GO TO COURT 
OR TO HAVE A JURY TRIAL; (B) YOU WILL NOT HAVE THE RIGHT TO ENGAGE IN PRE-ARBITRATION DISCOVERY EXCEPT AS PROVIDED IN THE RULES; (C) YOU WILL NOT 
HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION; (D) THE 
ARBITRATOR’S DECISION WILL BE FINAL AND BINDING WITH LIMITED RIGHTS TO APPEAL; (E) THIS ARBITRATION AGREEMENT SUPERSEDES ANY PRIOR ALTERNATIVE 
DISPUTE RESOLUTION AND/OR ARBITRATION AGREEMENT THAT MAY EXIST BETWEEN YOU AND US; (F) IF ANY PROVISION OF THIS ARBITRATION AGREEMENT IS 
HELD TO BE INVALID, THE INVALID PROVISION SHALL NOT AFFECT THE ENFORCEMENT OF ANY OTHER PROVISION OF THIS ARBITRATION AGREEMENT, EXCEPT THAT 
IF PARAGRAPHS 3, 6 OR 7(C) ARE HELD TO BE INVALID, THEN THIS ARBITRATION AGREEMENT SHALL BE NULL AND VOID IN ITS ENTIRETY.

READ THIS ARBITRATION AGREEMENT CAREFULLY. IT LIMITS CERTAIN RIGHTS, INCLUDING YOUR RIGHT TO PURSUE A CLAIM IN COURT AND YOUR RIGHT TO HAVE A 
JURY TRIAL.

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3102OA VSVB (1011)