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Personal  Wells Fargo Credit Cards 

Account Agreements 

The Private Bank By Invitation Visa Signature®  Card Account Agreement 

The Private Bank By Invitation Visa Signature® Card Account 
Agreement 

CONSUMER CREDIT CARD 
CUSTOMER AGREEMENT & 
DISCLOSURE STATEMENT 

BY INVITATION VISA SIGNATURE® 

TABLE OF CONTENTS 

Your Contract With Us: 

Using Your Account: 

Changes To This Agreement: 

Fees And Interest: 

Billing Statements And Payments: 

Other Important Information: 

Arbitration: 

Your Billing Rights: 

Active Duty Military Service: 

Interpreter Certification: 

Notice To California Cardholders 

Section 1 

Section 4

Section 10 

Section 11

Section 19 

Section 21

Section 31

Section 32 

Section 33

Section 34

To our California customers who have discussed credit card terms and conditions with us in Spanish, Chinese, Korean, Vietnamese, or Tagalog: 

Read Section 34 about interpreter certification before you activate your credit card. 

Lea la Sección 34 sobre certificación de intérprete antes de activar su tarjeta de crédito.

請您在啓用信用卡之前細讀第 34 節的「翻譯員認證」。

귀하의 신용카드를 활성화하시기 전에 통역사 인증에 관한 35 절을 읽으시기 바랍니다 . 

Hãy đọc Phần 34 về xác nhận thông dịch viên trước khi quý vị kích hoạt thẻ tín dụng của mình. 

Basahin ang Seksyon 35 tungkol sa sertipikasyon ng tagapagsaling-wika bago mo i-activate ang iyong credit card. 

Your Contract With Us 

(1) Agreement. This contract for your credit card account ("Account") includes the Credit Card Agreement ("Agreement"), the Important Terms of Your Credit Card 
Account  and  future  amendments  to  this  Agreement. This  Agreement  is  a  contract  between  Wells  Fargo  Bank,  N.A.  and  each  Account holder.  You  and  any  joint 
Account holder accept the terms of this Agreement by using or activating your Account. Please read this Agreement carefully and keep it for your records. 

(2) Definitions 

Annual Percentage Rate 
(APR) 

A rate, shown as a percentage, used to calculate interest on the balance on your Account. 

The time period between billing statements. Each  billing statement shows a statement closing date  which  is the  last day of  the  Billing 
Cycle. 

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Billing Cycle or 
Billing  Period 

Balance Transfer 

Card 

Cash Advance 

The transfer of a balance from another credit account to your Account, including the use of a check that accesses your Account. 

Any cards we issue to you or any devices we allow you use to access credit on your Account. 

Use of your Card to get cash. Examples include using your card for cash advances through an ATM, bank teller or Wells Fargo Online, 
Overdraft Protection advances, balance transfers, or cash-like purchases such as money orders, wire transfers, traveler checks, foreign 
currency, lottery tickets, casino chips, off-track wagers, other wagers, vouchers redeemable for cash or similar items. 

Credit Access Device 

A device, other than your Card, like SUPERCHECKS™ and mobile devices, that we allow you to use to access credit on your Account. 

Important Terms of Your A summary of your Account's APRs, fees and other important information. 
Credit Card Account 

New Balance 

The total amount you owe as of a statement closing date. 

Outstanding Balance 

The sum of all unpaid amounts, including Purchases, Cash Advances, balance transfers, interest, fees and any other amounts that you 
may owe us. 

Payment  Due Date 

The date the  Minimum Payment is  due.  It will be  at least 25  days from the  statement closing  date and will be  provided on  your billing 
statement. 

Purchase 

Use  of  your  Account  to  buy  or  lease  goods  or  services.  Cash  Advances,  Balance  Transfers  and  cash-like  transactions  are  not 
Purchases. Tax payments and associated fees are Purchases. 

Revolving Line Of Credit 

This is the amount that is available for your use. 

We, Us, and Our 

Wells Fargo Bank, N.A. 

You and Your 

The Account holder(s) who opened the Account. 

(3) Contacting You. You agree that we have your consent to contact you at any phone number, email address, or mailing address you provide for any Wells Fargo 
account or at any number that you call us from or at any number that we obtain by other means. Your consent allows us and any companies working on our behalf 
to service your account, to use any means to contact you including: automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, 
push notifications, and calls to your cell phone, or any other data or voice transmission technology. You are responsible for any service provider charges you may 
incur  as  a  result of  us contacting  you  by any means, whether such charges are  related  to text, data, equipment or  other plans.  You  will promptly notify us if you 
change any contact information, including your name, mailing address, e-mail addresses, or phone numbers. If you have a joint Account, a notice to one of you will 
serve as a notice to both of you. We may use voice recognition technology to verify your identity when you call. We may capture and store your voiceprint for this 
purpose. We may monitor and record any calls between you and us. 

Back to top 

Using Your Account 

(4) Using Your Account. You may use your consumer credit card Account for Purchases, Balance Transfers, Cash Advances and any other transactions we allow. 
You  promise  to  use  your  Account  only  for  lawful  personal,  family,  or  household  purposes.  We  reserve  the  right  to  deny  transactions  or  authorizations  from 
merchants who may be engaging in the internet gambling business. We are not responsible for anyone who refuses to accept your Card or any other Credit Access 
Device. We may decline any transaction at any time. Your credit card may not be used to make a payment on any other Wells Fargo credit account. 

Cash  Advances from  ATMs.  Cash  Advances from  ATMs  may  be limited  by  amount  or frequency.  The  ATM  owner may have additional restrictions. If the ATM 
owner charges any fee, that fee will be included as part of the total Cash Advance amount. 

Cash Advances for Overdraft Protection.  You may elect to  have an automatic Cash Advance from your Account to  cover an overdraft on a  linked Wells Fargo 
checking account. To cover an overdraft on a linked Wells Fargo checking account, we will advance the greater of 

◾  the amount of your overdraft; or 

◾  $25.00 

Except if 

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◾  the amount of available credit on your Card is less than the amount of the overdraft or less than $25.00, we will then advance the amount of available credit. 

The APR and fees that apply to overdraft protection advances are listed in the Important Terms of Your Credit Card Account. Overdraft protection advances, interest 
and fees may cause your Account balance to exceed your revolving line of credit. If there is more than one person listed on the checking account (such as a joint 
checking account) that you have linked for overdraft protection, then: 

◾  You  will be responsible for  all overdraft  protection advances regardless of which person writes  the check or engages in any other transaction (such  as  a debit 

card purchase) that causes the overdraft; and 

◾  You agree to allow us to disclose to any other person on your checking account, that this Card is linked to your checking account for overdraft protection. 

We reserve the right to cancel, suspend, or change your overdraft protection service at any time, for any reason. 

Credit Access Devices. SUPERCHECKS can be used to access your Account similar to writing a check on a deposit account. SUPERCHECKS checks will post as 
a balance transfer only when they are included with a Balance Transfer offer. If a SUPERCHECKS check is not included with a Balance Transfer offer it will post as 
a Cash Advance. They will include transaction fees and interest. 

Some restrictions apply to SUPERCHECKS: 

◾  They may not be written as payment on any Wells Fargo account. 

◾  They may be used only by the person whose name is printed on the check. 

◾  They must be written in U.S. dollars. 

◾  They cannot be certified. 

◾  You  cannot  file  a  claim  against  the  bank  when  you  have  a  dispute  with  a  merchant  about  payment  for  property  or  services  that  you  paid  for  using  a 

SUPERCHECKS check. 

◾  We reserve the right to put conditions on the use of SUPERCHECKS checks and to reject, decline and return unpaid any SUPERCHECKS check or advance at 

our discretion. 

Third Party/Mobile Devices.  You or an authorized user may be permitted to  load your credit card  to an  app on a smart phone, tablet  or other electronic device, 
such as, through a mobile wallet, which could be used for purchases or other transactions without presenting the card. Any such Transactions are covered by this 
Agreement. We have no control over the device and cannot guarantee the performance of the device. 

Additionally: 

◾  You should protect the security of the device the same as your credit card or other valuable information. 

◾  There may be third party fees related to the transaction such as mobile carrier data or messaging charges. 

◾  We may, at any time, partially or fully restrict your ability to make credit transactions through a third party/mobile device. You agree to notify us promptly if you 

remove or want to remove your Account information from any third party/mobile device. 

(5) Authorized Users. If you wish to have an additional Card issued in another person's name, please contact us and we will send you a Card with the name of the 
authorized person embossed on the front of the Card. You are responsible for payment of the entire amount owed to us, including any Purchases, balance transfers 
or Cash Advances (and all related interest and fees) made by the authorized person. 

Ending Authorized User Privileges. If you want to end an authorized user's privilege to use your Account, you must: 

◾  Recover and destroy that person's Card. If you do not, you will continue to be liable for any charges made, even if you've advised us of your wish to cancel the 

privileges, unless you tell us to cancel all Cards and establish a new Account for you. 

◾  You must notify us of your request by contacting us at the number on the back of your Card or by mail at Wells Fargo Bank, N.A., P.O. Box 10347, Des Moines, 

IA 50306. 

In general, an authorized person is not obligated on this Account and is not liable for any Outstanding Balance or any other charges made by you or by any other 
authorized person. In the event of the death of all fully liable cardholders, authorized users' privilege ends automatically. After that, if any person uses the Card, such 
use indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of any Outstanding Balance or any other charges they 
authorize. You agree to notify each authorized person that they are subject to all applicable sections of this Agreement. 

Information  about  Authorized  Users.  You  agree  to  give  us  certain  personal  information  about  each  Authorized  User.  You  must  have  permission  from  each 
Authorized User allowing you to give us that personal information. This may include name, address, social security number, date of birth and citizenship. 

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(6) Lost or Stolen Cards and Liability for Unauthorized Use. You must notify us immediately if your Card or account information is lost or stolen, or if you believe 
 or in writing at Wells Fargo Card Services, PO Box 10347, Des Moines, IA 
it's being used without your permission. You may contact us by phone at 800-642-4720

50306. You agree to assist us in our investigation of the matter. If you do this and we find you not responsible, you will not be held liable for the unauthorized use of 
your Account. 

(7) Promise to Pay. When you use your Account or let someone else use it, you promise to pay the total amount of the Purchases, Cash Advances, and balance 
transfers, plus all interest, fees and other amounts that you may owe us. We may limit or close your Account, but the terms of this Agreement will apply until you pay 
the Account in full. 

(8) Revolving Line of Credit.  We may assign the following limits to your Account: 

Cash Advance Limit. We may restrict the amount of your revolving line of credit that can be used for Cash Advances. 

Your total revolving line of credit will be provided with your Credit Card and shows on each of your billing statements. You promise to use your Account only to the 
limits. If you exceed your total revolving line of credit, we may allow the transaction without increasing your total revolving line of credit or deny the transaction. If we 
allow the transaction, we may treat that over limit amount as  due with the minimum payment on your next statement. If you exceed the  limits,  you  will still remain 
liable for all credit you receive. We can adjust your revolving line of credit at any time, including automatic credit line increases for those who qualify. 

(9)  Authorizations.  We  don't  guarantee  approval  of  transactions.  We  reserve  the  right  to  deny  transactions  for  any  reason,  such  as  account  default,  suspected 
fraudulent  or  unlawful  activity,  internet  gambling,  or  any  indication  of  increased  risk  related  to  the  transaction.  If  you  engage  in  abuse,  misuse  or  gaming  in 
connection with earning or using points or attempt to do so, we may close or restrict your Wells Fargo credit card(s). Abuse, misuse or gaming includes, but is not 
limited  to,  making  multiple  purchases  and  multiple  payments  during  a  billing  cycle  whereby  the  dollar  amount  for  each  purchase  in  the  aggregate  substantially 
exceeds your revolving line of credit.  We also may limit the number of authorizations we allow during a period of time. 

Transactions at some merchants (such as hotels, car rental companies, restaurants, and gas stations) may result in temporary authorizations for amounts greater 
than  the  actual  Purchase  amount.  This  will  make  less  credit  available  on  your  Account  for  several  days,  usually  until  the  date  the  actual  Purchase  amount  is 
received from the merchant. 

If you give your credit card information to a merchant to bill your account for recurring payments, or to keep it on file for future purchases or payments, and your card 
number, expiration date, or security code changes, you should notify the merchant with your new card information. Some card networks provide update services and 
receive  updated  card  information  from  Wells  Fargo.  Merchants  that  participate  in  such  services  will  receive  updated  card  information  from  the  network  for  credit 
cards  that  you  have  provided  to  the  merchant  for  recurring  or  future  purchases  or  payments.   We  cannot  tell  you  which  merchant  will  receive  updated  card 
information  when  your  card  information  changes.  You  should  always  provide  each  merchant  with  your  new  card  information  because  some  merchants  do  not 
subscribe to such network services. 

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Changes To This Agreement 

(10) Change in Terms. We may change this Agreement at any time. These changes may apply to existing and future balances. We will give you advance written 
notice of the changes and a right to reject the changes if required by law. We may require you to close your Account or take other actions if you reject the changes. 

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Fees And Interest 

(11) Fees.  The following fees may apply to your account. If they do apply, you will find the amount in the Important Terms of Your Credit Card Account. You agree 
to pay any fees that apply. 

◾  Balance Transfer Fee. This fee may be charged on a balance transfer transaction. 

◾  Cash Advance Fee. This fee may be charged on a Cash Advance from your Account. 

◾  Overdraft Protection Advance Fee. This fee may be charged when an overdraft amount is advanced to the checking account linked to your Credit Card Account 

by you. 

◾  Foreign Currency Conversion Fee. If you make a transaction in a foreign currency, Visa will convert it into a U.S. dollar amount. A foreign currency conversion 

fee may be charged when this is done. 

◾  Late Fee. This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date. 

◾  Returned Check or Returned Payment Fee. This fee may be charged when a payment is not processed the first time or is returned unpaid. 

◾  Rush Plastic Fee. This fee may be charged if you requested expedited delivery for your credit card. 

Additional fees may be charged if agreed between you and us. All fees will be added to the Purchases balance, except Cash Advance fees which will be added to 
the Cash Advance balance on your Account. 

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(12) Foreign Currency Transactions. 

If  you make a transaction in a currency other than U.S. dollars using a Visa Card, then Visa International "Visa" will convert the charge into a U.S. dollar amount. 
The exchange rate between the transaction currency and the billing currency used for processing international transactions is either (a) 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 (b) 
the government-mandated rate in effect for the applicable central processing date. The currency conversion rate for the processing date may differ from the rate in 
effect on the date of the transaction or the date the transaction is posted to your Account. 

Point of Sale Conversion. Some merchants outside the United States offer cardholders the option of having Card transactions converted to U.S. dollars by Visa, as 
described  above,  or  by  the  merchant  itself.  If  the  latter  option  is  chosen,  the  currency  conversion  rate  is  determined  solely  by  the  merchant  involved  in  the 
transaction, and no foreign currency conversion fee is charged by the bank for the transaction. 

(13)  Rates.  The following sections describe how we calculate  the  interest you  owe  each Billing Period. The Important  Terms of Your  Credit Card  Account list the 
APRs that apply to different types of balances. 

Introductory  Rates.  Your account may  be eligible for introductory  rates.  This would be  described in the Important  Terms of Your Credit Card  Account. If you are 
offered  a promotional rate  after  your account is opened, the  terms  will be  provided  at that  time.  After any introductory or promotional rates expire,  the  remaining 
balances will be subject to the applicable Standard or Standard Variable APR terms. 

How we Calculate your Standard Variable APRs. If your account has a variable rate the APR will vary based on the U.S. Prime Rate plus the applicable "Margin". 
See the Important Terms of Your Credit Card Account for the "Margin" on Purchases, balance  transfers, Cash Advances, and overdraft protection advances, and 
daily periodic rates that apply to your Account. For each Billing Period, we use the U.S. Prime Rate or the average of the U.S. Prime Rates (if there is more than 
one) published in the "Money Rates" column of The Wall Street Journal three business days prior to your billing statement closing date. If the U.S. Prime Rate is no 
longer published or  is not available, we may select a similar index. A change in the APR may increase or decrease the total amount of interest you pay  and your 
Minimum Payment due. If the APR changes due to a change in the U.S. Prime Rate, the new APR will apply to both existing and future balances on the first day of 
your Billing Cycle. The APR will continue to vary even if your Account is closed. 

Standard APRs. If your Account is subject to Standard APRs, the Standard APRs will not vary with the market based on the U. S. Prime Rate. However, we may 
change the Standard APRs from time to time in accordance with the Change In Terms information described in section 10. The rates that apply to your account are 
listed in the Important Terms of Your Credit Card Account. 

Daily Periodic Rates. The daily periodic rates are calculated by dividing each applicable APR by 365. 

(14)  Minimum  Interest  Charge.  Your  account  may  have  a  Minimum  Interest  Charge.  See  The  Important  Terms  of  Your  Credit  Card  Account  for  the  applicable 
charge. 

(15) When we Charge Interest. For most transactions, interest will be charged beginning on the date a transaction is made on your account. We charge interest on 
a fee beginning on the first day of the Billing Cycle following the Billing Cycle in which the fee posted to your Account. 

(16)  Here's how and when specific Transactions, fees and credits are applied: 

◾  We add the amount of a Purchase or Balance Transfer to the Purchase balance as of the transaction date shown on your statement. 

◾  We add Balance Transfer fees to the Purchase balance as of the transaction date shown on your statement. 

◾  We add the amount of a Cash Advance to the Cash Advance balance as of the transaction date shown on your statement. 

◾  We add Cash Advance Fees to the Cash Advance balance as of the transaction date shown on your statement. 

◾  We add the amount of any Overdraft Protection advance to the Cash Advance balance as of the transaction date shown on your statement. 

(17)  How  we  Calculate  Interest.  We  begin  by  calculating  the  daily  balance  of  each  Transaction  category.  Next  we  calculate  the  Average  Daily  Balance  (ADB). 
Finally, we calculate the interest. See each section below for details. 

1. 

Calculating the daily balance: the daily balance is calculated separately for each Transaction category. We start with the daily balance from the end 
of the previous day. We add in any new Transactions and other charges, including interest accrued on the previous day's balance. This means interest 
is compounded daily. We then subtract any payments or credits. 

Example for the Purchase Transaction category: 
Daily balance for purchases from the previous day 
+ New purchases 
+ Fees and interest accrued on the previous day's Transaction category balance 
- Payments, credits and adjustments that posted that day 

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= New daily balance for Purchases 

2. 

Calculating the Average Daily Balance (ADB): we add up all the daily balances for the Billing Cycle starting with the beginning balance of the first 
day  of  the  Billing  Cycle.  This  beginning  balance  will  include  any  unpaid  fees  from  the  previous  Billing  Cycle  and  any  late  fees  incurred  during  the 
current Billing Cycle. Any daily balance that is a credit balance is treated as zero. We divide this amount by the number of days in the Billing Cycle. 

ADB = sum of daily balances ÷ number of days in the Billing Cycle 

3. 

Interest Calculation: we calculate the interest charge for each type of balance by applying the daily periodic rate to the ADB and multiplying this by 
the number of days in the Billing Cycle. 

Interest Charge = daily periodic rate x ADB x number of days in Billing Cycle 

(18) Grace Period. To avoid paying interest on new Purchases you have to pay your entire New Balance by the Due Date on your statement each Billing Period. 
You cannot avoid interest on Cash Advances or Balance Transfers. Your due date will be at least 25 days from the statement closing date and will be provided on 
your billing statement. 

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Billing Statements And Payments 

(19) Billing Statements. If you have a balance on your account you will receive a billing statement. Your billing statement will show your Minimum Payment due and 
the Payment Due Date. 

(20) Payments. You may pay all or part of your Account balance at any time, but you must pay the Minimum Payment, disclosed on your billing statement, by the 
Payment Due Date. 

Minimum Payment. Your Minimum Payment Due includes any amount past due plus the greater of: 

1.  The sum of late, returned check, returned payment, rush plastic, and annual fees and interest billed during the Billing Cycle for which the Minimum Payment 

is calculated plus 1% of the New Balance shown on the billing statement; or 

2.  $25.00 (or the entire balance on the Account if the New Balance is less than $25.00). 

We require you to pay any amount over the limit of your credit card account. However, that amount is not included in your Minimum Payment Due.   

The Minimum Payment is rounded-up to the next highest whole dollar amount. Credits will not be used to meet the Minimum Payment. 

Payment Instructions. Follow these instructions when making a payment: 

1.  You must pay in U.S. dollars. 

2.  Payment must be made with a personal check, money order or cashier's check and must be issued by a bank in the United States. 

3.  Electronic payments are accepted. 

4.  Do not mail cash. 

If  you  mail  your  payment,  please  mail  to  the  payment  address  provided  on  your  billing  statement  using  the  envelope  and  payment  coupon  enclosed.  Payments 
received  by  5:00  p.m.  at  the  location  your  payment  is  mailed  to  will  be  credited  as  of  the  date  of  receipt.  If  received  after  5:00  p.m.  they  will  be  credited  on  the 
following  day.  Payments  made  through  Wells  Fargo  Online  Banking  at  wellsfargo.com  will  be  credited  based  on  the  cutoff  time  disclosed  at  the  time  of  the 
transaction. If you do not follow these instructions your payment may not be credited for up to five days after we receive it. 

Checks  or  other  paper  documents  may  be  converted  to  an  electronic  transaction  through  procedures  established  by  the  National  Automated  Clearing  House 
Association. In this case, the original check or other document that you send to us will not be retained, but a copy would be available if requested. 

Some of your available line of credit may be held, at our discretion, until your payment is honored. 

You cannot pay this account using another Wells Fargo Bank, N.A. credit or loan account or any Wells Fargo affiliated company credit or loan account. You cannot 
use any SUPERCHECKS checks to make any payment on this Account. 

Generally,  we  will  apply  your  Minimum  Payment  first  to  lower  APR  balances  (such  as  Purchases)  before  balances  with  higher  APRs  (such  as  Cash  Advances). 
Payments made in excess of the Minimum Payment will be applied to balances with higher APRs first before balances with lower ones. 

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Page 7 of 12 

We  post  payments  to  the  Billing  Cycle  within  which  they  are  received.  Any  payment  in  excess  of  the  Minimum  Payment  due  is  applied  based  on  the  balances 
reflected on your last billing statement. 

Irregular Payments. If you intend to pay your Account in full with an amount less than the Outstanding Balance, payments must be sent to: Wells Fargo, P.O. Box 
10311, Des Moines, IA 50306-0311. Please note that if we accept such payments we have every right to pursue full payment. 

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Other Important Information 

(21) Default / Immediate Repayment of Balance in Full. Your Account will be in default, and we may require immediate payment of your total Account if: 

◾  You fail to pay a Minimum Payment by the Payment Due Date; 

◾  Any payment is returned; 

◾  You don't honor the terms of this Agreement; 

◾  You made an untrue statement on your application; OR 

◾  You file for bankruptcy. 

If this is a joint Account, a default by one of you will be a default by all of you. 

We may prevent further transactions and we may close your Account and other Wells Fargo Accounts. If your account is in default you agree to pay our collection 
costs, attorney's fees, and court costs incurred in enforcing our rights under this agreement. 

(22) Re-Verification of Credit Information. We can review any information you provided on your credit application at any time. This may include: 

◾  Requesting credit bureau reports; 

◾  Verifying your current credit standing; 

◾  Verifying your employment, assets and income records. 

(23)  California  Residents.  We  may  also  obtain  information  at  any  time  from  the  California  Department  of  Motor  Vehicles.  You  agree  to  waive  the  address 
confidentiality requirements section of the California Vehicle Code (Section 1808.21). 

This waiver may not apply to you if you are on active duty military service (including active guard or reserve service) or you are a spouse or dependent of a person 
who  is  on  such  active  duty  military  service.  Please  see  the  Important  Statement  Concerning  Active  Duty  Military  Service  section  in  the  Agreement  for  more 
information. 

(24)  Cancellation. We may close your Account at any time and for any reason. You may also close the Account at any time. If that happens, you must still repay 
the  balance  owed  according  to  the  terms  of  this  Agreement.  Joint  Accounts  may  be  canceled  by  either  Account  Holder.  If  we  close  the  account,  notice  may  be 
provided to only one Account Holder. 

(25)  Separation of Unlawful Provisions. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will remain in effect. 

(26)  Enforcement  Rights.  We  may  waive  or  delay  enforcing  any  of  our  rights  without  losing  them.  A  court  decree  for  divorce  or  separation  or  an  out-of-court 
mutual agreement does not affect any of our rights to enforce this Agreement. 

(27)  Phone Monitoring. We may monitor and record any of your phone calls with us. 

(28)  Information Reporting. We may report information about you to consumer reporting agencies. The information that we report to consumer reporting agencies 
may include: 

◾  Account history; 

◾  Account performance; 

◾  Account status; 

◾  Any violations of your account; and 

◾  Any violations of the terms of this Agreement. 

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The same information may be reported to the consumer reporting agencies for any additional card holders. You may dispute the accuracy of the information that we 
report  to  consumer  reporting  agencies  by  writing  to  us  at  Wells  Fargo  Credit  Bureau  Dispute  Resolution,  P.O.  Box  14517,  Des  Moines,  IA  50306-3517.  Please 
describe the information in detail that you believe is inaccurate and provide any supporting documents with your dispute. If your dispute relates to identity theft, you 
will need to provide us with an identity theft report. 

(29)  Assignment. We may assign your Account and any or all rights and obligations under the Agreement to a third party. You may not assign your Account or any 
of your obligations under the Agreement. 

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(30)  Governing Law. Federal law and the laws of South Dakota govern this Agreement and your account. 

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Arbitration 

(31) Dispute Resolution Program: Arbitration Agreement. 

1.  Binding Arbitration. You and Wells Fargo Bank, N.A. (the "Bank") agree that if a Dispute arises between you and the Bank, upon demand by either you or 
the Bank, the Dispute shall be resolved by the following arbitration process. The foregoing notwithstanding, the Bank shall not initiate an arbitration to collect 
a consumer  debt, but  reserves  the  right  to  arbitrate  all  other  disputes with its consumer customers. A "Dispute" is any  unresolved  disagreement  between 
you and the Bank. It includes any disagreement relating in any way to the Card or related services, Accounts, or matters; to your use of any of the Bank's 
banking locations or facilities; or to any means you may use to access the Bank. It includes claims based on broken promises or contracts, torts, or other 
wrongful actions. It also includes statutory, common law, and equitable claims. A Dispute also includes any disagreements about the meaning or application 
of this Arbitration Agreement. This Arbitration Agreement shall survive the payment or closure of your Account. 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 exception to this 
Arbitration Agreement, you and the Bank retain the right to pursue in small claims court any Dispute that is within that court's jurisdiction. If either you or the 
Bank  fails  to  submit  to  binding  arbitration  following  lawful  demand,  the  party  so  failing  bears  all  costs  and  expenses  incurred  by  the  other  in  compelling 
arbitration. 

2.  Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or other 
proceeding has been previously commenced. NEITHER YOU NOR THE BANK SHALL BE ENTITLED TO JOIN OR CONSOLIDATE DISPUTES BY OR 
AGAINST OTHERS IN ANY ARBITRATION,  OR  TO  INCLUDE IN  ANY ARBITRATION ANY DISPUTE AS A REPRESENTATIVE OR MEMBER OF  A 
CLASS, OR TO ACT IN  ANY  ARBITRATION IN THE INTEREST OF THE GENERAL PUBLIC  OR  IN A PRIVATE ATTORNEY GENERAL CAPACITY. 
Each arbitration, including the selection of the arbitrator(s), shall be administered by the American Arbitration Association (AAA), or such other administrator 
as  you  and  the  Bank  may  mutually  agree  to  (the  AAA  or  such  other  mutually  agreeable  administrator  to  be  referred  to  hereinafter  as  the  "Arbitration 
Administrator"),  according  to  the  Commercial  Arbitration  Rules  and  the  Supplemental  Procedures  for  Consumer  Related  Disputes  ("AAA  Rules").  To  the 
extent  that  there  is  any  variance  between  the  AAA  Rules  and  this  Arbitration  Agreement,  this  Arbitration  Agreement  shall  control.  Arbitrator(s)  must  be 
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 or 
other party to an arbitration proceeding may disclose the existence, content, or results thereof, except for disclosures of information by a party required in 
the ordinary course  of  its  business or  by applicable  law or  regulation.  You  and  the Bank  (the  "Parties")  agree that  in this relationship: (1) The Parties are 
participating in transactions involving interstate commerce; and (2) This Arbitration Agreement and any resulting arbitration are governed by the provisions 
of  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 
laws of the state of South Dakota. If any of the provisions of this Arbitration Agreement dealing with class action, class arbitration, private attorney general 
action,  other  representative  action,  joinder,  or  consolidation  is  found  to  be  illegal  or  unenforceable,  that  invalid  provision  shall  not  be  severable  and  this 
entire Arbitration Agreement shall be unenforceable. 

3.  Rights Preserved. This Arbitration Agreement does not prohibit the Parties from exercising any lawful rights or using other available remedies to preserve, 
foreclose,  or obtain possession of  real or personal property; exercise self-help remedies, including  setoff and repossession rights; or obtain provisional or 
ancillary remedies  such as  injunctive relief,  attachment, garnishment,  or  the appointment of  a  receiver  by a court of  competent  jurisdiction. Any statute of 
limitations  applicable  to  any  Dispute applies  to  any  arbitration between the  Parties.  The  provisions  of  this  Arbitration Agreement shall survive termination, 
amendment, or expiration of the Card or any other relationship between you and the Bank. 

4.  Fees  and  Expenses  of  Arbitration.  Arbitration  fees  shall  be  determined  by  the  rules  or  procedures  of  the  Arbitration  Administrator,  unless  limited  by 
applicable law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the 
state 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 
exceed this limitation. Unless inconsistent with applicable law, each of us shall bear the expense of our own attorney, expert and witness fees, regardless of 
which of us prevails in the arbitration. 

5.  Active Duty Military Service. If you are on active duty military service (including active guard or reserve service) or you are a spouse or dependent of a 
person who is on such active duty military service, then the above Arbitration Agreement may not apply to you. Please see Important Statement Concerning 
Active Duty Military Service in this Agreement for more information. 

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Your Billing Rights 

Keep This Notice For Future Use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

(32) What To Do If You Find a Mistake on Your Statement.  If you think there is an error on your statement, write to us at: 

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Page 9 of 12 

Wells Fargo Card Services 
P.O. Box 522 
Des Moines, IA 50306-0522 

In your letter, give us the following information: 

◾  Your name and Account number; 

◾  The date and dollar amount of the suspected error. 

◾  If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

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 at the address above. You may notify using other ways (including telephone), 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. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

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 revolving line of credit. 

After we finish our investigation, one of two things will happen: 

◾  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 

◾  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. 

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 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.) 

2.  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. 

3.  You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: 

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Page 10 of 12 

Wells Fargo Card Services 
PO Box 522 
Des Moines, IA 50306-0522 

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. 

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Active Duty Military Service 

(33)  IMPORTANT STATEMENT CONCERNING ACTIVE DUTY MILITARY SERVICE: If you are on active duty military service when you apply for or establish this 
account (including active guard or reserve service) or you are a spouse or dependent of a person who is on such active duty military service at that time, then so 
long as such active duty military service continues, the Arbitration Agreement contained in the Credit Card Agreement does not apply to you, nor do any provisions 
that waive any right to legal recourse under any state or federal law. 

MILITARY  ANNUAL  PERCENTAGE  RATE:  Federal  Law  provides  important  protections  to  members  of  the  Armed  Forces  and  their  dependents  relating  to 
extensions  of consumer  credit. In general, the costs  of  consumer credit  to  a  member of  the  Armed  Forces and his or  her  dependent may not  exceed an  annual 
percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the cost associated with credit insurance premiums, fees for 
ancillary products sold in connection with the credit transaction, any application fee charged (other than certain application fees for specified credit transactions or 
accounts), and any participation fee charged (other than certain participation fees for a credit card account). 

You may contact us at 1-844-309-0044

 for information about the Military Annual Percentage Rate and a description of your account opening disclosures. 

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Interpreter Certification 

(34) Interpreter Certification. If you choose to discuss your credit card account with us in Spanish, Chinese, Korean, Vietnamese, or 
Tagalog, please read the following. 

By signing, using or activating the credit card issued to you, you certify to us that: 

◾  You have discussed the Customer Agreement and Disclosure Statement with your interpreter and have been given the opportunity to discuss and negotiate with 

us the terms and conditions contained in these documents. 

◾  Your interpreter is at least 18 years old and is fluent in both English and in the language in which you chose to discuss with us the terms and conditions of your 

credit card Account. 

◾  You understand and agree to the terms and conditions contained in these enclosed documents. 

Certificación de Intérprete 

(34)  Certificación de Intérprete. Si usted opta por conversar sobre su cuenta de tarjeta de crédito con nosotros en español, chino, coreano, vietnamita o 
tagalo, lea lo siguiente. 

Al firmar, utilizar o activar la tarjeta de crédito emitida a su nombre, usted certifica ante nosotros que: 

◾  Usted ha analizado el Contrato del Cliente y Declaración de Divulgación con su intérprete, y que usted y su intérprete han tenido la oportunidad de analizar y 

negociar con nosotros los términos y condiciones contenidos en estos documentos. 

◾  Su intérprete tiene por lo menos 18 años de edad y habla con fluidez tanto en inglés como en el idioma que usted haya elegido para conversar con nosotros 

sobre los términos y condiciones de su Cuenta de tarjeta de crédito. 

◾  Usted entiende y está de acuerdo con los términos y condiciones contenidos en estos documentos adjuntos.

翻譯員認證 

(34) 翻譯員認證。如果您選擇以西班牙語、中文、韓語、越南語或菲律賓語與我們討論信用卡帳戶相關事宜，請閱讀以下內容。

一旦您簽署、使用或啟用核發給您的信用卡，即表示您向我們證明 

◾ 您已經與您的翻譯員討論過《客戶協議》與《披露聲明》，並且有機會與我們討論和協商這些文件中的條款和條件。 

◾ 您的翻譯員至少年滿 18 歲，並具有流利的英語能力且深諳您所選與我們討論您的信用卡帳戶條款和條件的語言。 

◾ 您理解並同意遵守所附這些文件中的條款和條件。

통역사 인증 

(34) 통역사 인증 . 통역사 인증 . 귀하의 신용카드 계좌에 관한 사항을 스페인어 , 중국어, 한국어, 한국어, 베트남어 또는 타갈로그어로 저희와 논의하기로 하신 경우 , 
다음 사항을 읽어 주십시오 

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Page 11 of 12 

귀하에게 발급된 신용카드를 사용하거나 활성화함으로써 , 귀하는 저희에게 다음 사항을 증명하게 됩니다 

◾  귀하는 귀하의 통역사와 함께 고객 동의서 및 공개 진술서에 관해 논의하였으며 이러한 문서에 포함된 약관을 저희와 논의하고 협상할 기회를 가졌습니다 

◾  귀하의 통역사는 18세 이상이며 영어뿐만 아니라 귀하가 신용카드 계좌 약관에 관해 저희와 논의할 때 사용하시기로 선택하신 언어에 모두 능통합니다 

◾  귀하는 첨부된 이러한 문서에 포함된 약관을 이해하였으며 이에 동의합니다 

Xác Nhận Về Người Thông Dịch 

(34) Xác Nhận Về Người Thông Dịch Nếu quý vị chọn thảo luận trương mục thẻ tín dụng của mình với chúng tôi bằng tiếng Tây Ban Nha, tiếng Trung, 
tiếng Hàn, tiếng Việt hoặc Tagalog, vui lòng đọc phần sau đây. 

Bằng việc ký, sử dụng hoặc kích hoạt thẻ tín dụng đã cấp cho quý vị, quý vị chứng nhận với chúng tôi rằng: 

◾  Quý vị đã  thảo  luận với thông dịch  viên của  mình  về  Thỏa  Thuận  Khách Hàng  và Tuyên  Bố  Tiết Lộ  Thông  Tin và đã  có  cơ  hội trao đổi và  thương lượng với 

chúng tôi về các điều khoản và điều kiện nêu trong những tài liệu này. 

◾  Thông dịch viên của quý vị tối thiểu 18 tuổi và thông thạo cả tiếng Anh lẫn ngôn ngữ mà quý vị đã chọn sử dụng để thảo luận với chúng tôi về các điều khoản và 

điều kiện liên quan đến trương mục thẻ tín dụng của quý vị. 

◾  Quý vị hiểu và đồng ý với các điều khoản và điều kiện được nêu trong những tài liệu đính kèm này. 

Sertipikasyon ng Tagapagsaling-wika 

(34)  Sertipikasyon  ng  Tagapagsaling-wika.  Kung  pipiliin  mong  talakayin  ang  iyong  credit  card  account  sa  amin  sa  wikang  Spanish,  Chinese,  Korean, 
Vietnamese, o Tagalog, pakibasa ang sumusunod. 

Sa pamamagitan ng paglagda, paggamit o pag-activate ng credit card na ibinigay sa iyo, pinatototohanan mo sa amin na: 

◾  Tinalakay  mo  ang  Kasunduan  ng  Kostumer  at  ang  Pahayag  ng  Pagsisiwalat  sa  iyong  tagapagsaling-wika  at  nabigyan  ka  ng  pagkakataong  talakayin  at 

makipagkasundo sa amin sa mga tuntunin at kundisyong nilalaman ng mga dokumentong ito. 

◾  Ang  iyong  tagasaling-wika  ay wala pang  18 taong gulang  at lubos  na marunong  sa Ingles  at  sa wika na  napili mo para  talakayin  sa amin  ng  mga tuntunin at 

kundisyon ng iyong credit card Account. 

◾  Nauunawaan at sinasang-ayunan mo ang mga tuntunin at kundisyong nakasaad sa mga nakalakip na dokumentong ito. 

Wells Fargo Card Services 
PO Box 10347, Des Moines, IA 50306 

1-800-642-4720 

Hearing and Speech Impaired Customers, call the TTY number 1-800-419-2265 

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BIVS 01/19 

M-121146 

LS 9224 

Important Terms of Your Credit Card Account 

Pricing Addendum for The Private Bank By Invitation Visa Signature® Card 

As of 02/26/2019 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

Prime Rate + 9.24% 

This APR will vary with the market based on the U.S. Prime Rate. 

Prime Rate + 9.24% 

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Annual Percentage Rate (APR) for 
Balance Transfers 

APR for Cash Advances and Overdraft 
Protection Advances 

This APR will vary with the market based on the U.S. Prime Rate. 

Prime Rate + 20.74% 

This APR will vary with the market based on the U.S. Prime Rate. 

How to Avoid Paying Interest on 
Purchases 

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if 
you pay your entire balance by the due date each month. We will begin charging interest on cash advances and 
balance transfers on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer 
Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

None 

Transaction Fees 

◾  Balance Transfers 

◾  Cash Advances 

Penalty Fees 

◾  Late payment 

◾  Returned Check or Returned 

Payment 

Up to 5% for each balance transfer, with a minimum of $5. 

Either $10 or 5% of the amount of each advance, whichever is greater. 

Up to $37 

Up to $37 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance  (including  new  purchases)."  See  the  Consumer  Credit  Card Customer 
Agreement and Disclosure Statement for more details. 

How We Calculate Your Late Payment and Returned Check or Returned Payment Fees: The fee will be the lesser of the Minimum Payment or $27. For any 
subsequent event within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment or $37. 

How We Will Calculate Your Variable APRs: 
Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will 
use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three 
business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause 
the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may 
also increase or decrease the Minimum Payment due. See the Consumer Credit Card Customer Agreement and Disclosure Statement for more details. 

Variable Interest Rate Calculation 

Prime Rate effective as of 03/29/2019 

Margin added to the Prime Rate to determine your APR for purchases 

APR for purchases 

5.50% 

9.24% 

14.74% 

Margin added to the Prime Rate to determine your APR for cash advances and overdraft protection advances 20.74% 

APR for cash advances and overdraft protection advances 

26.24% 

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https://www.wellsfargo.com/credit-cards/agreements/the-private-bank-by-invitation-visa-signatur...  3/29/2019