CONSUMER CREDIT CARD 
CUSTOMER AGREEMENT & DISCLOSURE STATEMENT 

BY INVITATION®  VISA SIGNATURE® 

Section 1   : Pg. 1 
Section 6   : Pg. 2 
Section 12 : Pg. 3 
Section 13 : Pg. 3 
Section 20 : Pg. 4 
Section 22 : Pg. 4 
Section 31 : Pg. 5 
Section 32 : Pg. 5 
Section 33 : Pg. 6 

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:  

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. 

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 
Card 
Cash Advance 

Credit Access Device 

Important Terms of 
Your Credit Card 
Account 
New Balance 
Outstanding Balance 

Payment  
Due Date 
Purchase 

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 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;  

• 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. 

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. 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. We may use any means to contact you. This may include automated dialing devices, prerecorded/artificial voice 
messages, mail, e-mail, text messages, and calls to your cell phone. You are responsible for any service provider charges as a result of us contacting you. 

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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. 

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Purchases. You may use your Account for Purchases. Tax payments (including any fees charged by an associated agency) are Purchases.  

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  revolving  line  of  credit.  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 $10,500;  
• A maximum limit of $2,900 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 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 the terms or conditions of your overdraft protection service at any time, for any reason. 

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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.  

(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.  

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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 may telephone us, however you must follow up your call with a notice in writing.  We must receive your written instructions before we can process 

a change or cancellation.  

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. 

(10)  Revolving Line of Credit.  

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We may assign the following limits to your Account: 

• Revolving Line Of Credit. This is the amount of credit we will extend to your Account. 
• Cash Advance Limit. This is a portion of the revolving line of credit that is available for Cash Advances. 

Your total revolving line of credit 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  revolving  line  of  credit,  we  may  authorize  the  transaction  without  increasing  your  total 
revolving line of credit (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 revolving line of credit 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. 
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. 
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) 
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.  

(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,  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 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. 

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(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 amount of your monthly payment will depend on 
whether the New Balance shown on your billing statement is greater  or less than the revolving  line of credit amount  assigned to your  Account and 
whether any payment is past due. The “Minimum Payment” is calculated by the larger of: 

• If the New Balance is less than the revolving line of credit amount assigned to your Account, the Minimum Payment is the largest of the following: 

(1) 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;  

(2) 2% of the New Balance shown on the billing statement; or 
(3) $15.00 (or the entire balance on the Account if the New Balance is less than $15.00).  

• If the New Balance is greater than the revolving line of credit amount assigned to your Account, the Minimum Payment is the largest of the following: 
(1) 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; 

(2) if no payment is past due, 2% of the revolving line of credit amount assigned to the Account plus the amount of the New Balance that exceeds the 

assigned revolving line of credit amount; or 

(3) if any payment is past due, 2% of the revolving line of credit amount assigned to the Account plus the amount of the New Balance that exceeds the 

assigned revolving line of credit amount which is also greater than the amount past due. 

This is rounded-up to the next highest whole dollar amount, then any past due amount is added. The total is disclosed on the billing statement as the 
"Minimum Payment". 

Credits will not be used to meet the Minimum Payment. In addition, the amount of the New Balance that exceeds the assigned revolving line of credit 
and any past due amount is due and payable immediately. 

• 

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. 

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 5071, Portland, OR 97208-5071. 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), 

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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.  

(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 make your Minimum Payment on time, 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 P.O. Box 5445, Portland, OR 97228-5445 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 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. 

(32) 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.  

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:  

Pg. 5 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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, 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: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  

•  We cannot try to collect the amount in question, or report you as delinquent 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:  
The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been 
more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that 
sold you the goods or services.)  
You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a check that accesses your credit card 
Account do not qualify. 
You must not yet have fully paid for the Purchase. 
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 TAGALOG. 
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.  

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.  

• 
• 

1. 

2. 

3. 

• 

• 

• 

Pg. 6 

 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Wells Fargo Card Services 
P.O. Box 10347, Des Moines, IA 50306  
1-800-642-4720  
Hearing and Speech Impaired Customers, call 
the TTY number1-800-419-2265 

BIVS 83 12/11                                                                         M-103468 
                                                                                                     LS 8407 

Pg. 7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Important Terms of Your Credit Card Account 

Pricing Addendum for Wells Fargo By InvitationTM Visa® Signature® 
As of 2/4/2012 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases and Balance 
Transfers 

APR for Cash Advances and 
Overdraft Protection 
Advances 

Paying Interest 

Prime Rate + 5.9% 

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

Prime Rate + 9.9% 

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

Your due date is at least 25 days after the close of each billing period.  We will not charge 
you any interest on purchases if you pay your entire balance by the due date each 
month.  We will begin charging interest on cash advances 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 

Transaction Fees 

$350.00 per year.  
The Annual Fee is waived for the first year your account is open.  

•  Balance Transfers 

Up to 5% for each balance transfer, with a minimum of $5. 

•  Cash Advances 

•  Overdraft Protection 

Advances 

Penalty Fees 

•  Late Payment 

•  Returned Check or 
Returned Payment 

Either $10 or 5% of the amount of each advance, whichever is greater, for each 
SUPERCHECKS™ advance, ATM advance or each advance through the Wells Fargo Online® 
banking program or customer service.  

Either $20 or 5% of the amount of each advance, whichever is greater, for each advance 
obtained in person at a participating financial institution or other source. 

$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. 

Up to $35.   

Up to $35.   

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

Annual Fees: After your Account is open one full year and each year after that, your Account is subject to the annual fee. The fee 
is billed in September and may be waived if your account is part of an active relationship with Wells Fargo Private Bank as of the 
immediately preceding June 30. 

How We Calculate Your Late Payment and Returned Check or Returned Payment Fees:  The fee will be 
the lesser of the Minimum Payment or $25.  For any subsequent event within a rolling six billing cycle period, the fee will be 
the lesser of the Minimum Payment or $35. 

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.    

•  Daily interest rates are calculated by dividing the applicable APR by 365.  This calculation produces the Daily Variable Rates. 
The Daily Variable Rates will increase or decrease as a result of increases or decreases in the U.S. Prime Rates. An increase or 
decrease in the Daily Variable Rates may result in an increase or decrease in the amount of your minimum monthly payment. 
An increase or decrease in the Daily Variable Rates will also increase or decrease the total amount of Interest you pay on your 
account. See the Customer Agreement and Disclosure Statement for more details. 

Variable Interest Rate Calculation 

Index Rate effective as of 2/4/2012 

Margin added to the Index Rate to determine your APR for purchases  

APR for purchases  

Margin added to the Index Rate to determine your APR for cash advances and 
overdraft protection advances 

APR for cash advances and overdraft protection advances  

3.25% 

5.9% 

9.15% 

9.9% 

13.15% 

© 2012 Wells Fargo Bank, N.A.  All rights reserved.