CONSUMER CREDIT CARD 
CUSTOMER AGREEMENT &  
DISCLOSURE STATEMENT
VISA® OR MASTERCARD®

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:
Interpreter Certification:

Section 1 : Pg. 1
Section 6 : Pg. 2
Section 12 : Pg. 4
Section 13 : Pg. 4
Section 20 : Pg. 6
Section 22 : Pg. 7
Section 31 : Pg. 8
Section 32 : Pg. 9
Section 33 : Pg. 10

Notice To California Cardholders
To our California customers who have discussed credit card terms and conditions with us in Spanish, Chinese,
Korean, Vietnamese, or Tagalog:
Read Section 33 about interpreter certification before you activate your credit card. 

Antes  de  activar  su  tarjeta  de  crédito,  lea  la  sección  33  con  respecto  a  una  certificación
importante.
請您在啓用信用卡之前細讀第 33 節的「傳譯員確認書」。
중요사항: 신용카드를 사용하기 시작하시기 전에 섹션 33에 적힌 인증에 관한 중요한 사항을 읽으십시오.
Quan trọng: Xin đọc Mục 33 để biết tin tức quan trọng về chứng nhận trước khi quý vị hiệu lực hóa thẻ
tín dụng của mình.
Mahalaga: Pakibasa ang Bahagi 33 para sa mahalagang katibayan bago ninyo i-activate ang inyong credit
card.

Your Contract With Us

(1)  Agreement.  This  Credit  Card  Agreement  ("Agreement")  covers  the  use  of  your  credit  card  account
("Account") with us. It includes the Important Terms of Your Credit Card Account on the enclosed letter or the
document that accompanies your Card, as well as any subsequent disclosures, all of which are incorporated
here by reference. You accept the terms of this Agreement by using or activating your Account. If you have
a  joint  Account,  each  of  you  is  bound  by  this  Agreement.  Please  read  this  Agreement  carefully  and  save
it for future reference.

(2) Parties to this Agreement. This Agreement is made between Wells Fargo Bank, N.A., P.O. Box 10347,
Des  Moines,  IA  50306  ("we",  "us",  and  "our")  and  each  Account  holder,  whether  primary  or  joint  ("you"
and "your").
(3) Definitions
APR
Billing Cycle or 
Billing Period

An Annual Percentage Rate (APR).
The  interval  between  billing  statements.  Each  billing  statement  shows  a
closing date. The statement closing date is the last day of the Billing Cycle
for that billing statement.
Any credit card we issue to use your Account.
Obtaining cash or funds using your Account by:
• presenting your Card at a bank that accepts MasterCard or Visa;
• using  your  Card  with  your  Card  Personal  Identification  Number  (PIN)
to  obtain  cash  from  any  Automated  Teller  Machine  (ATM)  which
displays any of the logos appearing on your Card;

• using any Wells Fargo debit card linked to your Account to obtain cash
from any ATM which displays any of the logos appearing on your Wells
Fargo debit card;

Page 1 of 13

Card
Cash  
Advance

• using  the  Wells  Fargo  Online  Banking®  service  for  transactions  other

than those disclosed as balance transfers;

• using  our  Customer  Service  department  for  transactions  other  than

those disclosed as balance transfers;
• taking overdraft protection advances;
• using  SUPERCHECKS™  checks  that  are  issued  in  connection  with  this
Account, (unless provided by us in connection with a balance transfer
offer); or

• buying cash equivalents 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.

A device, other than your Card, (such as SUPERCHECKS™ checks, balance
transfer checks) we allow you to use to access credit on your Account.
A summary of your Account's APRs, fees and other important information.

The Outstanding Balance as of a statement closing date.
The  sum  of  all  unpaid  amounts,  including  Purchases,  Cash  Advances,
balance transfers, interest, fees and any other amounts that you may owe
us.
The date the Minimum Payment is due to us. The Payment Due Date will
be at least 25 days from the statement closing date. It is shown on your
billing statement.
The use of your Account to:
• buy or lease goods or services;
• make any transaction that is not a Cash Advance, balance transfer, or

other type of transaction we may identify.

Credit Access Device

Important Terms of Your
Credit Card Account
New Balance
Outstanding Balance

Payment  
Due Date

Purchase

Other terms are defined in the Agreement below.

(4) Contacting Us. Unless stated otherwise in this Agreement, you may contact us at the phone number
or address shown on your billing statement.

(5) Contacting You. By providing us with any telephone number, you are expressly consenting permission
to contact you at that number about all of your Wells Fargo accounts. You give consent to allow us to contact
your past, present and future phone service providers to verify the information you have provided against
their records. You agree that your phone service providers may verify any phone numbers you have supplied
to the name, address, and status on their records. For us to service your Account or to collect any amounts
you may owe, you agree that we may contact you using any contact information related to your Account
including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and
reasonably believe we can reach you. We may use any means to contact you and this may include contact
from companies working on our behalf to service your accounts. This may include automated dialing devices,
prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over
Internet Protocol (VoIP) service, or any other data or voice transmission technology. You are responsible for
any service provider charges as a result of us contacting you. You agree to promptly notify us if you change
any contact information you provide to us. This includes 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.

Using Your Account

(6) Using Your Account. This is a consumer credit card Account which you may use for Purchases, balance
transfers, Cash Advances and any other transactions we allow you to complete. You promise that you will
use  your  Account  only  for  lawful  personal,  family,  or  household  purposes.  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. We
are not responsible if anyone does not allow you to use your Account or refuses to accept any other Credit
Access Device. We may decline any transaction at any time.

• Purchases. You may use your Account for Purchases. Tax payments (including any fees charged by

an associated agency) are Purchases.

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• Balance Transfers. You may use your Account for balance transfers. The applicable APR and balance
transfer fees are listed in the Important Terms of Your Credit Card Account or with the balance transfer
offer or check you receive. There is no grace period on balance transfers. We begin charging interest
on balance transfers on the date the balance transfer is posted to your Account.

• Cash Advances. You may use your Account for Cash Advances. The applicable APR and Cash Advance
fees  are  listed  in  the  Important  Terms  of  Your  Credit  Card  Account.  We  may  limit  your  total  Cash
Advances to a portion of your total credit limit. There is no grace period on Cash Advances. We begin
charging interest on Cash Advances on the date the Cash Advance is posted to your Account. 

Cash Advances from ATMs may be limited by amount or frequency:

• A total daily withdrawal limit of $500;
• A maximum limit of $500 for any single ATM withdrawal;
• No more than five ATM withdrawals per day; and
The ATM owner may impose more restrictive limits.
If the ATM owner charges a surcharge or convenience fee for withdrawing cash, the amount of that fee
will be included as part of the total Cash Advance amount.
You may elect to have an automatic Cash Advance from your Account to cover an overdraft on a linked
Wells Fargo checking account.
We determine the overdraft advance amount as follows:
• We  will  advance  the  exact  dollar  amount  to  cover  the  overdraft,  subject  to  a  minimum  overdraft
protection advance amount of $25.00. If the amount of available credit on your Card is less than the
amount of the overdraft or less than the $25.00 minimum, we will still advance the available amount.
The  applicable  APR  and  transaction  fee  that  apply  to  overdraft  protection  advances  are  listed  in  the
Important  Terms  of  Your  Credit  Card  Account.  Overdraft  protection  advances,  and  applicable  interest
and fees, may cause your Account balance to exceed your credit limit.
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 the terms or conditions of your overdraft protection
service at any time, for any reason.

• Credit Access Devices. You may access credit on your Account by using your Card, or another Credit

Access Device (such as SUPERCHECKS™ or balance transfer checks). 

SUPERCHECKS are checks you can use to access your Account in a manner similar to writing a check on
a deposit account. Except as otherwise stated below, when we receive a SUPERCHECKS check, we will
pay it by advancing the amount from your credit card Account. SUPERCHECKS™ checks will post as a
balance transfer if provided by us in connection with a balance transfer offer; otherwise they will post as
a Cash Advance. They are subject to the related transaction fees and interest.
• You may not write a SUPERCHECKS check as payment on your Account.
• Only the person whose name is printed on a SUPERCHECKS check may use it.
• All SUPERCHECKS checks must be written in U.S. dollars.
• We will not certify SUPERCHECKS checks.
• If you have a dispute which you are unable to resolve with a merchant about payment for property or
services that you paid for using a SUPERCHECKS check, you will not be allowed to file a claim against
the bank to reimburse you for this transaction.

• 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.

We may provide other Credit Access Devices which may be used to access your Account. The applicable
interest and fee terms will be disclosed to you prior to your use of the Credit Access Device.

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• Third Party/Mobile Devices. We may also permit you or any authorized user to load information about
your  Account  onto  third  party/mobile  devices  (such  as  a  smartphone,  tablet,  or  any  other  handheld
or  wearable  communication  device  that  allows  you  to  store  or  electronically  present  your  Account
information) that would enable you to make Purchases or engage in credit transactions for your Account
without needing to show your credit card. You and we agree that any such use of your Account will be
subject to all the terms and conditions contained in this Agreement. 

To the extent you do use a third party/mobile device to make a credit transaction on your Account, or
load information about your Account onto any such device, you need to be aware that we do not control
the device and cannot guarantee the performance of either the device or any third party.

Additionally:
• You agree to carefully protect the security of any devices the same as you would your cash, checks,
credit  cards  and  other  valuable  information.  We  encourage  you  to  password  protect  or  lock  your
device to help prevent an unauthorized person from using it. You agree to promptly report any loss
or theft to both us and the third party.

• You may incur third party fees related to engaging in a transaction (such as mobile carrier data or

messaging charges).

• Credit transactions made through a third party/mobile device may involve the electronic transmission
of information related to you or your Account across wireless or computer networks. Third parties,
such as merchants, card association networks, mobile carriers, mobile wallet operators, and software
application providers may use and receive information in connection with a credit transaction. Third
parties  may  also  receive  information  about  your  mobile  device  when  you  use  it  to  make  a  credit
transaction.

• 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.

(7)  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, before we can process the
request, you must:

• Recover and destroy that person's Card. If you do not recover and destroy the Card, you will continue
to be liable for any charges made after you 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. Each authorized person's privilege
ends  automatically  upon  the  death  of  all  fully  liable  cardholders.  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.

(8) Lost or Stolen Cards and Liability for Unauthorized Use. You agree to notify us immediately, if
your Card is lost or stolen or if you believe your Account is being used without your permission. You may
contact us orally or in writing at 1-800-642-4720 or P.O. Box 10347, Des Moines, IA 50306. You agree to
assist us in our investigation of the matter. If you do this, you will not be held liable for the unauthorized
use of your Account.

(9) 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.

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(10) Credit Limit. 
We may assign the following limits to your Account:

• Credit Limit. This is the amount of credit we will extend to your Account.
• Cash Advance Limit. This is a portion of the credit limit that is available for Cash Advances.

Your total credit limit is shown on the document that accompanies your Card and on each of your billing
statements. You promise to use your Account only to the limits. If you exceed your total credit limit, we may
authorize the transaction without increasing your total credit limit (we may treat that amount as immediately
due), or deny the authorization. If you exceed the limits, you will still remain liable for all credit you receive.
We can adjust your credit limit at any time.

(11)  Authorizations.  We  may  limit  the  number  of  authorizations  we  will  allow  during  a  period  of  time.
We  reserve  the  right  to  deny  certain  transactions  for  any  reason,  including  default,  suspected  fraudulent
or  unlawful  activity,  internet  gambling,  or  any  indication  of  increased  risk  related  to  the  transaction.  For
security reasons, we cannot explain the details of how the authorization system works. You agree that we
will not be liable for failing to give an authorization. If the authorization is denied, we may notify the person
who attempted the transaction that it has been refused. 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, which will make less credit available on your Account for several
days (usually until the date the actual Purchase amount is received from the merchant).

Changes To This Agreement

(12) 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.

Fees And Interest

(13) Fees.  You agree to pay the following fees. You will find the fee amounts in the Important Terms of
Your Credit Card Account.
• Annual Fee. This fee may be charged if applicable. If your Account has an annual fee, you are responsible
for paying it every year while your Account is open. The annual fee will not continue to be billed after
your Account is closed.

• Balance Transfer Fee. This fee may be charged if you engage in a balance transfer transaction.
• Cash Advance Fee. This fee may be charged when a Cash Advance is posted to your Account.
• Overdraft Protection Advance Fee. This fee may be charged when an overdraft amount is advanced

to the checking account linked by you to your Account.

• Foreign Currency Conversion Fee. This fee may be charged on each Purchase transaction converted

into a U.S. dollar amount by MasterCard or Visa.

• 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.

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.

(14) Foreign Currency Transactions.
• MasterCard.  If  you  make  a  transaction  with  your  MasterCard  Card  in  a  currency  other  than  U.S.
dollars, MasterCard International Incorporated ("MasterCard") will convert the charge into U.S. dollars
using  its  currency  conversion  procedure.  Currently,  the  currency  conversion  rate  used  by  MasterCard
for  such  transactions  is  generally  either  a  government-mandated  rate  or  a  wholesale  rate  determined
by MasterCard for the processing cycle in which the transaction is processed. The currency conversion
rate used by MasterCard 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.

• Visa.  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)

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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 or MasterCard, 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.

(15)  Rates.  This  is  how  we  calculate  interest  rates  that  apply  to  your  Account.  The  Important  Terms  of
Your Credit Card Account indicate the Standard and/or Standard Variable APRs as applicable to the different
types of balances on your Account. The document that accompanies your Card also states the calculated
daily periodic rates that apply to your Account.
• Introductory  /  Promotional  APRs.  If  your  Account  is  eligible  for  one  or  more  introductory  rates,
the Important Terms of Your Credit Card Account describe the duration, the transactions to which the
introductory rates apply, the introductory daily periodic rates, and the corresponding APRs applicable to
your Account as of the date your Account opened. If a promotional rate is offered after your Account is
open, the terms applicable to that promotional APR will be provided at that time. After the introductory
rates  or  any  other  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  is  subject  to  Standard  Variable
APR,  the  APR  is  a  variable  rate  based  on  the  U.S.  Prime  Rate  plus  the  applicable  "Margin".  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 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 statement closing date. If the U.S. Prime Rate is no longer published or is
not available, we may select a similar index. The Important Terms of Your Credit Card Account displays
the amount of the "Margin" on Purchases, balance transfers, Cash Advances, and overdraft protection
advances, and daily periodic rates that apply to your Account. 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. If the APR changes due to a change
in the U.S. Prime Rate, the new APR will apply as of the first day of your Billing Cycle. Any changes will
apply to both existing and future balances on your Account. 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 section 12 above. Please refer to the Important Terms of Your Credit Card Account for the
Standard APRs and daily periodic rates for Purchases, balance transfers, Cash Advances, and overdraft
protection advances applicable to your Account.
• How We Calculate Your Daily Periodic Rates. 

The daily periodic rates are calculated by dividing each applicable APR by 365.

(16) Minimum Interest Charge. The Important Terms of Your Credit Card Account disclose the Minimum
Interest Charge applicable to your Account.

(17) When We Charge Interest. Unless stated otherwise below, we begin charging interest on a Purchase,
balance  transfer,  Cash  Advance,  other  transaction  or  interest  charge  on  the  date  the  Purchase,  balance
transfer,  Cash  Advance,  other  transaction,  or  interest  charge  posts  to  your  Account.  We  begin  charging
interest  on  a  fee  on  the  first  day  of  the  Billing  Cycle  following  the  Billing  Cycle  in  which  the  fee  posts  to
your Account. However, if a late payment fee is posted to your Account in the current Billing Cycle, but is
related to a late payment in the prior Billing Cycle, we will begin charging interest on the fee on the first
day of the current Billing Cycle.

(18)  Grace  Period.  You  can  avoid  interest  on  any  portion  of  a  Purchase  shown  on  your  current  billing
statement that you pay by the Payment Due Date if the New Balance shown on your previous billing statement
was zero or was paid in full by the previous Payment Due Date. The Payment Due Date will be at least 25

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days from the statement closing date and is printed on each billing statement you receive. You cannot avoid
interest on Cash Advances or balance transfers.

(19) How We Calculate Interest - Average Daily Balance Method (Including New Purchases). 
The total interest charge is the sum of interest charges for each type of balance, including any Cash Advance
balance or Purchase balance (including, for purposes of this section, balance transfers) on your Account. We
figure the interest charge for each type of balance on your Account by applying the daily periodic rate to the
average daily balance ("ADB"). Then, we multiply this amount by the number of days in the Billing Cycle.

interest charge = daily periodic rate x ADB x number of days in Billing Cycle.

ADBs for each type of balance are calculated separately starting with beginning balance of the first day of
each Billing Cycle. The beginning balance on the first day of the Billing Cycle is the prior Billing Cycle's ending
balance, which includes any unpaid fees posted to your Account in the prior Billing Cycle. It also includes
any  late  payment  fees  posted  in  the  current  Billing  Cycle  that  are  related  to  a  late  payment  in  the  prior
Billing Cycle. To get the ADB for each type of balance, we take the beginning balance each day and add
any new Purchases, balance transfers and Cash Advances. 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. (This means interest
is compounded daily.) Then, we subtract any payments or credits. This gives us the daily balance. Any daily
balance that is a credit balance will be treated as zero. Then, we add up all the daily balances for the Billing
Cycle. We divide this amount by the number of days in the Billing Cycle. This gives us the ADB.

ADB = sum of daily balances ÷ number of days in the Billing Cycle.

Billing Statements And Payments

(20) Billing Statements. Each month you have a balance, you will receive a billing statement showing
your New Balance. Your billing statement also shows the Minimum Payment due, the Payment Due Date and
the time of day by which we must receive your payment.
(21) Payments.
• Minimum  Payment.  You  promise  to  pay  the  Minimum  Payment  due  by  the  Payment  Due  Date.  The

"Minimum Payment" is any past due amount plus the larger of:
• The sum of the 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 (the Minimum Payment is then
rounded-up to the next highest whole dollar amount); or

• $15.00 (or the entire balance on the Account if the New Balance is less than $15.00).

Credits will not be used to meet the Minimum Payment. In addition, any past due amount is due and payable
immediately. If your balance exceeds your credit limit, we also require that you pay the over limit amount,
but that amount is not included in your Minimum Payment due. 

• Payment Instructions. Follow these instructions when making a payment:

• Make your payment in U.S. dollars, but do not send cash. Unless the payment is made electronically,
it  must  be  in  the  form  of  a  personal  check,  money  order,  or  cashier's  check  and  capable  of  being
processed through the Federal Reserve System. Payments must be drawn on a United States bank.
If we choose to accept a payment made in a foreign currency, we will temporarily credit the Account,
until the U.S. currency conversion is complete. We will then reverse the temporary credit and post
the U.S. currency converted amount.

• If you choose to make a payment by mail, please mail to the payment address designated on your
billing statement using the envelope and the payment coupon enclosed with your billing statement.
Payments received by 5:00 p.m. local time at the location to which the payment is mailed, will be
credited as of the date of receipt. Payments received after 5:00 p.m., will be credited as of the next
day.

• If you choose to make a payment online via Wells Fargo Online Banking at wellsfargo.com, the cut-

off time for online payments will be disclosed at the time of the transaction.

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If you do not follow these instructions, or make a payment using a money transfer other than the transfer
feature on Wells Fargo Online Banking, your payment may not receive credit for up to five days after we
receive it. 

Any  payment  submitted  to  us  in  the  form  of  a  check  or  other  paper  document  may  be  converted  to  an
electronic transaction through procedures established by the National Automated Clearing House Association.
If  this  occurs,  the  original  check  or  other  document  that  you  send  to  us  will  not  be  retained,  but  a  copy
would be available if requested. 

We may, at our discretion, withhold a portion of the available credit on this Account up to the amount of
any payments in order to assure that the check or other payment instrument is honored. You may not make
a payment on this Account using any credit or loan account (including, without limitation, any instrument
drawn on such accounts) held with Wells Fargo Bank, N.A., Wells Fargo & Company, or any of their affiliates
or subsidiaries, and we may refuse any such payments in our sole discretion.

• You may not use SUPERCHECKS checks, drawn on this Account, 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.

• 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. We may accept late or partial payments, or payments that reflect "paid in full" (or
other restrictive language), without losing our rights to receive full payment. If you intend to claim 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 such payments will not discharge your
full debt.

Other Important Information

(22) Default / Immediate Repayment of Balance in Full. Your Account will be in default if:

• You fail to pay a Minimum Payment by the Payment Due Date;
• Any payment is dishonored;
• You violate any terms of this Agreement;
• You made an untrue statement on your application; OR
• You file for bankruptcy.

If  your  Account  is  in  default,  our  rights  include,  but  are  not  limited  to,  refusing  to  authorize  further
transactions  (including  SUPERCHECKS  checks),  closing  your  Account  and  any  other  credit  card  Accounts
with us, and requiring the immediate payment of the Outstanding Balance. If your Account is in default,
you also agree to pay our collection costs, attorney's fees, and court costs incurred in enforcing our rights
under this Agreement.

(23) Re-Verification of Credit Information. We can reinvestigate any information you provided on your
credit application at any time, and in the course of doing so, we may ask you for additional information,
request  credit  bureau  reports,  and  otherwise  verify  your  current  credit  standing.  You  authorize  us  to
investigate your credit, employment, assets, and income records and to verify your credit references. From
time to time we may obtain follow-up credit reports on you. 

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).

(24) Cancellation. We may cancel, revoke, or suspend your rights under this Agreement for any reason.
You may also close the Account at any time. If the Account is closed for any reason, you must still repay
any unpaid balance you owe to us according to the terms of this Agreement. If this is a joint Account, either
person who is liable on the Account may give notice to cancel the Account, and we may close it without
notifying the other liable person.

(25) Separation of Unlawful Provisions. If any provision of this Agreement is determined to be unlawful,
the rest of the Agreement will stand and the unlawful provision will be deemed amended to conform to law.

Page 8 of 13

(26) Enforcement Rights. 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. If this is a joint
Account, a default by one of you will be a default by all of you. A court decree for divorce or separation or a
noncourt mutual agreement does not affect our ability to enforce this Agreement or collect the Outstanding
Balance against all liable parties if we were not a party to the decree or agreement.

(27) Phone Monitoring. You agree that we may monitor and record your phone calls with us.

(28) Information Reporting. You agree that we may report your performance, status, and history under
this Agreement to consumer reporting agencies. If you request additional Cards on your Account for others,
you  understand  that  we  may  report  Account  information  in  your  name  as  well  as  in  the  names  of  those
additional  cardholders.  If  you  fail  to  comply  with  the  terms  of  the  account  as  defined  in  this  agreement,
it will be furnished to the credit reporting agencies and it could cause a negative reference on your credit
report and the credit reports of any additional cardholders. You have the right to dispute the accuracy of
information that we have reported by writing to us at Wells Fargo Credit Bureau Dispute Resolution, P.O. Box
14517, Des Moines, IA 50306-3517 and describing the specific information that is inaccurate or in dispute
and the basis for any dispute with supporting documentation. In the case of information that you believe
relates to an identity theft, you will need to provide us with an identity theft report.

(29) Assignment. We have the right to assign your Account to another creditor. The other creditor is then
entitled to any rights we assign to them. You do not have the right to assign your Account.

(30) Governing Law. This  Agreement  and  your  Account,  is  governed  by  federal  law  and,  to  the  extent
applicable, the laws of the State of South Dakota, no matter where you live or use your Account.

Arbitration

(31) Dispute Resolution Program: Arbitration Agreement.

a 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.

b 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

Page 9 of 13

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.

c 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.

d 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.

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:

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 us using other
means (including calling us at the number listed on the front of the statement), but doing so will not preserve
your rights.

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.

Page 10 of 13

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 credit limit.

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:

Wells Fargo Card Services 
PO Box 10347 
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.

Interpreter Certification

Section (33)  This certification applies if you chose to discuss with us the terms and conditions
of your credit card account in Spanish, Chinese, Korean, Vietnamese, or Taglog.
By signing, using, or otherwise accepting the credit card or related Account issued to you, you certify to
Wells Fargo Bank, N.A. (us) that:
• You have received and discussed the enclosed Customer Agreement and Disclosure Statement with
your interpreter and that you and your interpreter have been given an opportunity to discuss and
negotiate with us the terms and conditions contained in these enclosed documents.

Page 11 of 13

• 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 the terms and conditions of your credit card Account.

• You understand and agree to the terms and conditions contained in these enclosed documents as

written. 

Section (33) Esta certificación se aplica si usted eligió conversar con nosotros sobre los
términos y condiciones de su cuenta de tarjeta de crédito en Español, Chino, Coreano,
Vietnamita o Tagalo.
Al firmar, utilizar o aceptar de otro modo la tarjeta de crédito o la Cuenta relacionada emitida a su
nombre, usted certifica a Wells Fargo Bank, N.A. (nosotros) que:
• Usted ha recibido y analizado el Contrato del Cliente y Declaración de Divulgación adjuntos con su

intérprete, y que usted y su intérprete han tenido la oportunidad de conversar y negociar con nosotros
los términos y condiciones contenidos en estos documentos adjuntos.

• 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, tal como se encuentran redactados.

第33節。
如果您選擇用中文和我們討論有關您的信用卡帳戶的條款和條件，本確認書適用。
如果您簽署、使用或以其他方式接受富國銀行（「我們」）發行給您的信用卡或相關帳戶，您即向我們確認：
• 您已經收到並與您的傳譯員討論過本「客戶協議」和「披露聲明」，而且您及您的傳譯員已有機會與我們討論 、協商本

文件中包含的條款及條件。

• 您的傳譯員至少年滿18歲，並能夠流利使用英文和中文。
• 您理解並同意本文件中包含的現有書面條款與條件。

섹션 33.
귀하의 신용카드 계좌 이용약관에 대해 저희와 한국어로 논의할 것을 선택하셨다면 이 인증이 적용될 것입니다.
귀하나 관련 구좌에 발행된 신용카드에 대한 서명, 사용, 또는 수락은 귀하가 Wells Fargo Bank, N.A.(저희)에게 다음에 명시된
사항을 보증하신다는 것을 의미하게 됩니다.
• 귀하는 귀하의 통역사와 함께 이 고객 약정서 및 공시 진술서를 받고 검토하였으며, 귀하와 귀하의 통역사는 이 서류의 이용약

관에 대해 저희와 논의하고 검토할 수 있는 기회를 제공받았습니다.

• 귀하의 통역사는 18세 이상이며, 영어와 한국어를 모두 유창하게 구사할 수 있습니다.
• 귀하는 이 서류에 기재된 약정을 이해하며 그 이용약관 내용에 동의합니다.

Mục 33
SỰ CHỨNG NHẬN NÀY ÁP DỤNG NẾU QUÝ VỊ ĐÃ QUYẾT ĐỊNH BÀN THẢO VỚI CHÚNG TÔI VỀ CÁC ĐIỀU
KIỆN VÀ ĐIỀU KHOẢN CỦA TRƯƠNG MỤC THẺ TÍN DỤNG BẰNG TIẾNG VIỆT.
Khi ký tên, sử dụng hoặc chấp nhận thẻ tín dụng hoặc trương mục liên quan được cấp cho quý vị, quý vị
chứng nhận với Wells Fargo Bank, N.A. (chúng tôi) rằng:
• Quý vị đã nhận được và bàn thảo bản Thỏa Thuận và Tiết lộ của Thân Chủ với thông dịch viên của quý
vị, và quý vị cùng người này đã có cơ hội bàn thảo và thương lượng với chúng tôi về các điều khoản và
điều kiện trong văn kiện này.

• Thông dịch viên của quý vị đã ít nhất 18 tuổi và thông &nbsp;thạo cả tiếng Anh và tiếng Việt.
• Quý vị hiểu và đồng ý với nguyên tắc các điều khoản và điều kiện trong văn kiện này.

Seksiyon 33
ANG KATIBAYANG ITO AY UMIIRAL KAPAG NAGPASIYA KAYONG PAG-USAPAN ANG MGA TAKDA AT
KONDISYON NG INYONG CREDIT CARD ACCOUNT SA AMIN SA TAGALOG.  

Sa pagpirma, paggamit o kaya’y sa pagtanggap ng inyong credit card o kaugnay na account na ibinigay sa
inyo, pinapatunayan ninyo sa Wells Fargo Bank, N.A. (kami) na:
• Natanggap at napag-usapan ninyo ng inyong tagapagsaling-wika itong Kasunduan sa Kliyente at

Pahayag ng Pagsisiwalat at kayo ng inyong tagapagsaling-wika ay nabigyan ng pagkakataon na

Page 12 of 13

 
 
makipag-usap at makipagkasundo sa amin tungkol sa mga takda at kondisyon na nasa dokumentong
ito.

• Ang inyong tagapagsaling-wika ay hindi kukulangin sa 18 taong gulang at matatas sa Ingles at

Tagalog.

• Naiintindihan ninyo at sumasang-ayon kayo sa mga takda at kondisyon na nakasulat sa 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

Core 08/15

M-112835
LS 8879

Page 13 of 13

Important Terms of Your Credit Card Account

Pricing Addendum for Wells Fargo Cash Back Visa® Card
As of 02/13/2016

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

Prime Rate + 5.90% to Prime Rate +
22.74%, based on your creditworthiness.

Annual Percentage
Rate (APR) for Balance
Transfers 

APR for Cash Advances
and Overdraft Protection
Advances

Paying Interest

This APR will vary with the market based on the U.S. Prime Rate.
You may not qualify for the lowest APR disclosed in the range
above. The APR applicable to your account will be determined by
our review of your credit report, information you provide on your
application, and other relevant information available to us.

Prime Rate + 5.90% to Prime Rate + 22.74%, based on your
creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate.
You may not qualify for the lowest APR disclosed in the range
above. The APR applicable to your account will be determined by
our review of your credit report, information you provide on your
application, and other relevant information available to us.

Prime Rate + 20.74% to Prime Rate + 22.74%, based on your
creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate.
You may not qualify for the lowest APR disclosed in the range
above. The APR applicable to your account will be determined by
our review of your credit report, information you provide on your
application, and other relevant information available to us.

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.

Fees

Annual Fee

None

Transaction Fees

• Balance Transfers

Up to 5% for each balance transfer, with a minimum of $5. 

• Cash Advances

Either $10 or 5% of the amount of each advance, whichever is
greater.

• Overdraft Protection

Advances

• Foreign Currency

Conversion 

Penalty Fees

• Late payment

• Returned Check or
Returned Payment

$12.50 if the total of overdraft protection advances for the day is $50
or less;  
$20 if the total of overdraft protection advances for the day is greater
than $50.

3% of each transaction converted to U.S. dollars 

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 04/14/2016

3.50%

Margin added to the Prime Rate to determine your APR for
purchases

5.90% - 22.74%

APR for purchases

9.40% - 26.24%

Margin added to the Prime Rate to determine your APR for
cash advances and overdraft protection advances

20.74% - 22.74%

APR for cash advances and overdraft protection advances 24.24% - 26.24%