PRICING ADDENDUM FOR VISA® CREDIT CARD AGREEMENT
As of March 31,  2014

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

U.S. Prime Rate + 24.74%

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

APR for Cash Advances

U.S. Prime Rate + 24.74%

Paying Interest

Minimum Interest Charge

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

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month. We will begin charging interest 
on cash advances on the transaction date.
If you are charged interest, the charge will be no less than $1.00.

Fees
Annual Fee
Transaction Fees
•	 Cash Advance

Penalty Fees

None

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

•	 Late Payment
•	 Returned Payment 

Up to $35.00
Up to $35.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $25.00. For any subsequent event 
within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment Due or $35.00.
Daily Periodic Rate: The daily periodic rate used to figure interest for your Account is 0.07668%, which is calculated by dividing the APR by 
365. This daily periodic rate will vary with the market based on the U.S. Prime Rate. See your Agreement for more details.
The information about the cost of credit described in this Agreement is accurate as of March 2014. This information may have changed after 
that date. To find out what may have changed, call us at 1-800-459-8451.

Variable Interest Rate Calculation

Index Rate effective as of 03/31/2014

3.25%

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

24.74%

APR for Purchases and APR for Cash Advances

27.99%

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3102OA VSVB (0414)VISA® CREDIT CARD AGREEMENT

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Notice to California Cardholders 
To our California customers who have discussed credit card terms and conditions with 
us	or	the	Merchant	in	Spanish,	Chinese,	Korean,	Vietnamese,	or	Tagalog:
Read the section titled INTERPRETER CERTIFICATION before you use your Account.
Lea la sección titulada CERTIFICACIÓN DEL INTÉRPRETE antes de usar su Cuenta.
在使用您的帳戶以前 請閱讀題為「傳譯員確認書」一節
귀하의 계좌를 이용하기 전에 먼저 통역사 인증이라는 제목의 섹션을 읽으십시오
Đọc mục tựa đề CHỨNG NHẬN THÔNG DỊCH VIÊN trước khi quý vị sử dụng Trương 
Mục của mình.
Basahin  ang  seksyon  na  pinamagatang  SERTIPIKO  NG TAGAPAGSALING-WIKA  bago 
ninyo gamitin ang inyong Account. 
These terms apply to your entire Account.
About Your Account 
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. You accept the terms of this Agreement by opening or using 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.
PARTIES TO THIS AGREEMENT. This Agreement is made between Wells Fargo Financial 
National	Bank,	4455	Spring	Mountain	Road,	Las	Vegas,	NV	89102	(“we”,	“us”,	and	“our”)	
and each account holder, whether primary or joint (“you” and “your”).
CONTACTING US. Unless stated otherwise in this Agreement, you may contact us at 
the phone number or address shown on your statement. For more information, visit 
us online at wellsfargo.com/cardholders.
DEFINITIONS.

Billing Cycle

Card
Credit Access Device

Important Terms of Your 
Credit Card Account
Merchant

New Balance
Outstanding Balance

Payment Address

Payment Due Date

Payment Stub

Sales Slip

Rates	

The interval between statements. Each statement shows 
a closing date. The statement closing date is the last day 
of the Billing Cycle for that statement.
The credit card we may issue to use your Account.
A device, other than your Card, we allow you to use to 
access credit on your Account.
A	summary	of	your	Account’s	Annual	Percentage	
(“APRs”), fees and other important information.
Any merchant who has a merchant agreement with us 
to participate in this credit card program.
The Outstanding Balance as of a statement closing date.
The  sum  of  all  unpaid  amounts,  including  purchases, 
cash advances, interest, fees and any other amounts that 
you may owe us.
The address where you mail your payment. It is located 
on your Payment Stub.
The date the Minimum Payment Due is due to us. It is 
shown on your statement.
The portion of your statement that is to be returned with 
your payment.
Any document that describes the terms of a purchase 
on the Account.

OVERVIEW OF ACCOUNT. Your Account may be divided into two or more balances. 
These balances may also be referred to as subaccounts. Different terms may apply to 
different balances.
USING YOUR ACCOUNT. You may use your Account for purchases and cash advances:
•	 Purchases.	 If	 you	 make	 a	 purchase	 at	 a	 participating	 Merchant	 and	 the	 Sales	 Slip	
says that the transaction is a regular or special terms purchase, the purchase will be 
part of the regular or special terms balance. Special terms are described later in this 
Agreement (see Special Terms section). Regular and special terms purchases are not 
Visa	transactions.	As	a	result,	these	transactions	are	not	eligible	for	certain	benefits	
that	apply	to	transactions	processed	over	the	Visa	network.	For	example,	transactions	
at a participating Merchant which are part of the regular or special terms balance do 
not	count	as	eligible	transactions	for	promotions	that	are	sponsored	by	Visa.	You	do,	
however, retain the option to make a purchase from a participating Merchant and, 
at the time of purchase, tell the participating Merchant that you want the purchase 
to	be	part	of	your	Visa	balance	rather	than	the	regular	or	special	terms	balance.	All	
portions  of  the  Account  are  covered  by  the  section  of  this  Agreement  titled Your 
Billing	Rights:	Keep	This	Document	For	Future	Use.	In	addition,	the	Visa	balance	is	
covered	by	Visa’s	zero	liability	policy.	All	transactions	which	are	part	of	the	Visa	balance	
are	Visa	transactions.	

•	 Cash	 Advances.	 This	 feature	 may	 not	 be	 available.	 If	 we	 allow	 you	 to	 take	 cash	
advances,	they	will	be	part	of	your	Visa	balance.	You	may	take	a	cash	advance	by	
presenting your Card at a participating bank or Automated Teller Machine (“ATM”). 
There may be limits on the amount and frequency of advances.

You promise that you will use your Account only for lawful personal, family or household 
purposes. In addition, we reserve the right to deny transactions or authorizations from 
merchants  apparently  engaging  in  the  Internet  gambling  business  or  identifying 
themselves  through  the  Card  transaction  record  or  otherwise  as  engaged  in  such 
business. We are not responsible if anyone does not allow you to use your Account.
PROMISE TO PAY. When you use your Account, or let someone else use it, you promise 
to pay the total amount of the purchase or cash advance, as well as any interest, fees 
or 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.
CREDIT LIMIT. We may assign the following limit(s) to your Account:
•	 Credit	Limit.	This	is	the	amount	of	credit	we	will	extend	to	your	Account.

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•	 Visa	Credit	Limit.	This	is	a	portion	of	the	Credit	Limit	that	is	available	for	Visa	purchases	

and cash advances. 

Your limit(s) are provided with your Card and on each of your statements. You promise 
to use your Account only to the limit(s). If you exceed your limit(s), we may authorize 
the transaction without increasing your limit(s). If you exceed your limit(s), you will 
remain liable for all amounts payable under this Agreement. We can adjust your limit(s) 
at any time.
CREDIT ACCESS DEVICE. We may provide you with Credit Access Device(s) to access 
your Account. The related interest and fee terms will be given to you when you receive 
the Credit Access Device(s).
Fees and Interest 
FEES. You agree to pay the following fees. You will find the fee amounts in the Important 
Terms of Your Credit Card Account. These fees will be charged to your regular balance 
unless stated otherwise below.
•	 Late	Payment	Fee.	This	fee	may	be	charged	each	time	we	do	not	receive	the	Minimum	

Payment Due by the Payment Due Date.

•	 Returned	Payment	Fee.	This	fee	may	be	charged	when	a	payment	is	dishonored	the	

first time or is returned unpaid.

•	 Cash	Advance	Fee.	This	fee	may	be	charged	when	you	take	a	cash	advance.	This	fee	

will	be	charged	to	your	Visa	balance.

INTEREST  RATES.  The  daily  periodic  rates  and  corresponding  APRs  used  to  figure 
interest on balances are shown in the Important Terms of Your Credit Card Account. The 
APR for a Billing Cycle is figured by adding 24.74 percentage points to the Prime Rate 
for that Billing Cycle. The daily periodic rate for a Billing Cycle is figured by dividing the 
APR by 365. These rates vary with the market based on the Prime Rate.
PRIME RATE. The Prime Rate we use is the U.S. Prime Rate published in the Money 
Rates section of The Wall Street Journal. We select the Prime Rate published on the first 
business day of the month preceding the month of the quarterly rate change date. If 
more than one Prime Rate is published, we will use the average of the Prime Rates. If the 
Prime Rate is no longer published or is not available, we may select a similar rate. The 
APR will increase or decrease if the Prime Rate increases or decreases and this will also 
cause the daily periodic rate to increase or decrease. An increase or decrease in the APR 
will increase or decrease the total amount of interest you pay. It may also increase or 
decrease the Minimum Payment Due. The rate change date for each quarter is the first 
day of the first Billing Cycle beginning on or after January 1, April 1, July 1, and October 1. 
WHEN WE  CHARGE  INTEREST.  Unless  stated  otherwise  below,  we  begin  charging 
interest on a purchase, cash advance or interest charge on the date the purchase, cash 
advance 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. 
HOW TO AVOID PAYING INTEREST ON PURCHASES. Unless described differently in 
the Special Interest Terms section below, you can avoid interest on any portion of a 
purchase balance shown on your current statement that you pay by the Payment Due 
Date if the balance shown on your previous statement was zero or was paid in full by 
the Payment Due Date. You cannot avoid interest on cash advances.
HOW  WE  CALCULATE  INTEREST—AVERAGE  DAILY  BALANCE  METHOD 
(INCLUDING  NEW  PURCHASES).  The  total  interest  charge  is  the  sum  of  interest 
charges (excluding deferred interest charges) for each type of balance on your Account 
(e.g.	regular,	Visa,	each	special	terms	balance).	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 the Billing Cycle.

ADBs for each type of balance are calculated separately, starting with the beginning 
balance on the first day of each Billing Cycle. The beginning balance on the first day of 
the Billing Cycle includes the following:
•	 The	prior	Billing	Cycle’s	ending	balance,	which	includes	any	unpaid	fees	posted	to	

your Account in the prior Billing Cycle. 

•	 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 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.

MINIMUM INTEREST CHARGE. If you are charged interest in a Billing Cycle, the charge 
will be no less than $1.00.
Payments 
MINIMUM PAYMENT DUE. You  promise  to  pay  the  Minimum  Payment  Due  by  the 
Payment Due Date. The Minimum Payment Due is the sum of:
•	 Any	past	due	amounts;	plus
•	 The	payment	for	Regular	Payment	Terms	(see	Regular	Payment	Terms	below);	plus	
•	 The	payment(s)	for	any	balances	with	Payment	in	Full/’Equal	Payments’	or	Custom	

Payments (see Special Payment Terms below).

If you pay more than the Minimum Payment Due but less than the Outstanding Balance, 
you are still required to pay the Minimum Payment Due in the next Billing Cycle.

3102OA VSVB (0414)REGULAR PAYMENT TERMS. All balances will have Regular Payment Terms unless a 
Sales	Slip	shows	that	Payment	in	Full/’Equal	Payments’	or	Custom	Payments	apply.	We	
combine  balances  with  Regular  Payment Terms  (the “Combined  Balance”)  to  figure 
the  payment  for  these  balances.  A  new  Combined  Balance  is  figured  on  the  first 
statement closing date after any balance with Regular Payment Terms is established. 
The Combined Balance does not change unless balances with Regular Payment Terms 
increase above the current Combined Balance.
The payment for balances with Regular Payment Terms will be the greater of:
•	 $35.00	(or	the	sum	of	balances	with	Regular	Payment	Terms	if	it	is	less	than	$35.00);	

or

•	 3.5%	of	the	Combined	Balance;	or
•	 The	sum	of	interest	charges	for	balances	with	Regular	Payment	Terms,	fees	assessed	

during the current Billing Cycle, and 1% of the Combined Balance.

PAYMENT INSTRUCTIONS. Follow these instructions when making a payment:
•	 Make	your	payment	in	U.S.	dollars,	but	do	not	send	cash.
•	 If	you	make	a	payment	by	mail,	please	include	the	Payment	Stub	with	your	payment.	
Use  the  envelope  enclosed  with  your  statement  to  mail  both  documents  to  the 
Payment Address. Payments received by 5:00 p.m. local time at the Payment Address 
will be credited as of the date of receipt. Payments received after the 5:00 p.m. cut-off 
time will be credited as of the next day. 

•	 If	you	make	a	payment	online,	it	must	be	made	via	our	web	site,	which	is	shown	on	
your statement. The cut-off time for online payments will be disclosed at the time of 
the transaction. 

If you do not follow these instructions, your payments may not receive credit for up to 
five days after we receive it. 
IRREGULAR PAYMENTS. We may accept late payments, 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 us at Wells Fargo Financial 
National Bank, P.O. Box 14453, Des Moines, IA 50306.
APPLICATION OF PAYMENTS. We apply payment amounts equal to or less than the 
Minimum Payment Due at our discretion. We apply any payment amounts in excess of 
the Minimum Payment Due as follows:
•	 First,	 to	 balances	 with	 No	 Interest	 if	 Paid	 in	 Full	 terms	 during	 the	 two	 full	 Billing	
Cycles immediately preceding expiration of the special terms period. Otherwise, for 
purposes	of	this	section	only,	these	balances	are	considered	to	have	an	APR	of	0%;

•	 Then	to	balances	with	higher	APRs	before	lower	APRs.
Any payment in excess of the Minimum Payment Due is applied based on the balances 
reflected on your last statement. We post payments in the Billing Cycle they are received.
Other Information 
CONTACTING YOU. In order 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. You agree to promptly notify us if you change 
any contact information you provide to us. This includes your name, mailing address, 
e-mail address(es), or phone number(s). If you have a joint account, a notice to one of 
you will serve as a notice to both of you.
PHONE MONITORING. We may monitor and record your phone calls with us to assure 
the quality of our service.
LOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You agree to 
contact 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 at: 1-800-459-8451 or P.O. Box 
10475, 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.
DEFAULT. Your Account will be in default if any of the following occur:
•	 You	fail	to	pay	the	Minimum	Payment	Due	by	the	Payment	Due	Date.
•	 Any	payment	is	dishonored.
•	 You	violate	the	terms	of	this	Agreement.
•	 You	made	an	untrue	statement	on	your	application.
•	 You	file	for	bankruptcy.
If  your  Account  is  in  default,  our  rights  include,  but  are  not  limited  to,  refusing  to 
authorize  further  transactions,  closing  your  Account,  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.
GOVERNING  LAW.  This  Agreement  is  governed  by  federal  law  and  to  the  extent 
applicable, Nevada law, no matter where you live or use your Account.
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 change(s) and a right to reject the change(s) if required by law. We may 
require you to close your Account or take other actions if you reject the changes.
ENFORCING THIS AGREEMENT. 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.
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.
INFORMATION SHARING. You authorize us to share your personal  and/or Account 
information  with  nonaffiliates.  Nonaffiliates  include  Merchants,  their  affiliates,  their 
service  providers,  and  program  sponsors  (“sponsors”).  A  sponsor  is  a  franchisor, 

manufacturer, distributor of goods or an association of retail sellers. Sponsors have 
arrangements with us to make credit card programs available to Merchants associated 
with  the  sponsor.  Federal  or  state  laws  may  limit  our  ability  to  share  your  personal 
and/or  Account  information  with  nonaffiliates  even  though  you  have  given  us  this 
authorization. We comply with these federal and state laws. Please refer to the Wells 
Fargo  Financial  National  Bank  Privacy  Notice  for  more  information  about  how  we 
collect, share, and protect your information, as well as how you may limit some, but 
not all, information sharing.
CREDIT INFORMATION AND CREDIT REPORTING. You promise that any information 
you give to us in connection with your Account is true and complete. You understand 
that we rely on this information to open your Account and extend credit to you. You 
authorize us to investigate your credit, employment, assets, and income records and 
to verify your credit references. You also authorize us to obtain credit reports on you 
from time to time. We may report information regarding your Account to consumer 
reporting agencies.
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.
FOREIGN CURRENCY TRANSACTIONS. If any of your transactions occur in a currency 
other	than	U.S.	dollars,	Visa	International	will	convert	it	into	a	U.S.	dollar	amount.	The	
exchange rate used for this conversion is either:
•		A	rate	selected	by	Visa.	The	rate	will	be	selected	from	a	range	of	wholesale	currency	
rates	available	on	Visa’s	processing	date.	The	rate	may	be	different	than	the	rate	Visa	
receives.

•		The	government-mandated	rate	in	effect	on	Visa’s	processing	date.
The currency conversion rate on 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. 
Some merchants outside the United States offer cardholders the option of having Card 
transactions	converted	to	U.S.	dollars	by	Visa,	as	described	above,	or	by	the	merchant	
itself. If the latter option is chosen, the currency conversion rate is determined by the 
merchant involved in the transaction.
SECURITY  INTEREST.  You  grant  us  a  purchase-money  security  interest  under  the 
Uniform Commercial Code in the goods purchased on your Account. We will retain the 
purchase-money security interest until such goods are paid for in full. You agree to assist 
us in executing any documents necessary to perfect our security interest.
Special Terms 
These terms apply to Special Terms.
SPECIAL TERMS. We may allow you to make purchases at special terms. If a Sales Slip 
shows  that  special  terms  apply,  then  the  purchase  will  be  governed  by  the  special 
terms and the terms of this Agreement. You accept the special terms by making the 
purchase. A Sales Slip will state the length of the special terms period, if any. Separate 
purchases  with  the  same  special  terms  may  be  included  in  the  same  special  terms 
balance. If special terms balances are combined, this may increase the payment for that 
balance. If a balance is not paid in full before the end of the No Interest or No Interest 
if Paid in Full period, the balance (and any deferred interest) will be transferred to your 
regular balance.
SPECIAL INTEREST TERMS. A Sales Slip may indicate that one or more of the following 
special interest terms applies. Except for No Interest balances, we will use the same 
method to calculate interest as described above in How We Calculate Interest—Average 
Daily Balance Method (Including New Purchases).
•	 No	Interest.	This	means	there	is	no	interest	charge	on	the	purchase	balance	until	the	
end of the special terms period. You may avoid interest on the balance by paying it 
in full before the end of the special terms period.

•	 No	Interest	if	Paid	in	Full.	This	means	we	calculate	interest	on	the	purchase	balance.	
This amount is called the deferred interest charge. The deferred interest charge will 
not be added to the balance unless you do not pay the balance in full by the end of 
the special terms period. You may avoid interest on the balance by paying it in full 
before the end of the special terms period.

•	 Special	Rate.	This	means	the	APR	shown	on	the	Sales	Slip	will	be	used	to	figure	interest	

on the purchase balance.

SPECIAL PAYMENT TERMS. A Sales Slip may indicate that one or more of the following 
special payment terms applies.
•	 Payment	in	Full/’Equal	Payments’.	This	means	the	payment	is	the	amount	required	to	
pay the initial purchase balance shown on your statement in full during the special 
terms  period.  Because  of  rounding,  the  final  payment  could  be  less  than  other 
payments.

•	 Custom	 Payments.	 This	 means	 the	 payment	 is	 a	 set	 dollar	 amount	 or	 a	 fraction	
or percent of the highest balance of this type on any statement closing date. The 
payment  will  not  change  unless,  on  a  future  statement  closing  date,  the  balance 
increases above the highest balance.

Interpreter Certification 
INTERPRETER  CERTIFICATION.  THIS  CERTIFICATION  APPLIES  IF  YOU  CHOSE  TO 
DISCUSS  WITH  US  OR  THE  MERCHANT  THE  TERMS  AND  CONDITIONS  OF  YOUR 
ACCOUNT	IN	SPANISH,	CHINESE,	KOREAN,	VIETNAMESE,	OR	TAGALOG.	By	signing	the	
credit card application, using or otherwise accepting the Card or related Account issued 
to you, you certify to Wells Fargo Financial National Bank (us) that: (1) You have received 
and discussed this Agreement with your interpreter and that you and your interpreter 
have been given an opportunity to discuss and negotiate with us or the Merchant the 
terms	and	conditions	contained	in	these	enclosed	documents;	(2)	Your	interpreter	is	at	
least 18 years old and is fluent both in English and in the language in which you chose 
to discuss with us or the Merchant the terms and conditions of your Account, and is 
not	employed	by	or	made	available	through	the	Merchant;	(3)	You	understand	and	
agree to the terms and conditions contained in these enclosed documents as written.

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CERTIFICACIÓN DEL INTÉRPRETE. ESTA CERTIFICACIÓN ES DE APLICACIÓN SI USTED 
ELIGE DISCUTIR CON NOSOTROS O EL COMERCIANTE LOS TÉRMINOS Y CONDICIONES 
DE SU CUENTA EN ESPAÑOL. Al firmar la solicitud de tarjeta de crédito, utilizar o de
otra manera aceptar la tarjeta o cuenta relacionada que le hayamos emitido, usted
certifica ante Wells Fargo Financial National Bank (nosotros) que: (1) usted ha recibido 
y discutido este acuerdo con su intérprete y se le ha otorgado a usted y a su intérprete 
la oportunidad de discutir y negociar con nosotros o el Comerciante los términos y
condiciones	contenidos	en	estos	documentos	adjuntos;	(2)	su	intérprete	tiene	por	lo	
menos 18 años de edad y domina con fluidez tanto el idioma inglés como el idioma en 
el cual usted decide discutir con nosotros o el Comerciante los términos y condiciones 
de	su	cuenta,	y	no	está	empleado	o	ha	sido	facilitado	por	el	Comerciante;	(3)	usted	
comprende y conviene en los términos y condiciones contenidos en estos documentos 
adjuntos, según están escritos.
傳譯員確認書 如果您選擇用中文和我們或商家討論有關您的帳戶的條款和條
件 本確認書適用  如果您簽署信用卡申請書 使用或以其他方式接受富國銀行
（Wells Fargo Financial National Bank 「我們」）核發給您的卡或相關帳戶 您即
向我們確認：(1) 您已經收到並與您的傳譯員討論過本協議 而且您及您的傳譯員
已有機會與我們或商家討論 協商本文件中包含的條款及條件 (2) 您的傳譯員至
少年滿18歲 並能夠流利使用英文和中文（您選擇用中文與我們或商家討論您帳
戶的條款及條件） 且該傳譯員並非商家僱員 亦非經由商家安排 (3) 您理解並
同意本文件中包含的現有書面條款與條件。
통역사 인증. 귀하의 계좌 이용약관에 대해 저희 또는 가맹점과 한국어로 논의할
것을  선택하셨다면  이  인증이  적용될  것입니다.  카드  신청서에  서명하거나,
귀하에게 발행된 카드 혹은 관련 계좌를 사용하거나 수락함으로써 귀하는 Wells
Fargo  Financial  National  Bank(저희)에  다음에  명시된  사항을  보증하시게
됩니다.  (1)  귀하는  귀하의  통역사와  함께  이  동의서를  받고  검토하였으며,
귀하와 귀하의 통역사에게 이 동봉된 서류들의 약정에 대해 저희 또는 가맹점과
논의하고  검토할  수  있는  기회를  드렸습니다.  (2)  귀하의  통역사는  18  세
이상이며,  영어와  귀하가  저희  또는  가맹점과  귀하의  이용약관에  대해  논의할
언어로 선택한 한국어에 모두 능통하며, 가맹점에서 또는 가맹점을 통해 고용하지
않았습니다.  (3)  귀하는  이  동봉된  서류들에  기재된  이용약관을  이해하며  그
내용에 동의합니다.
CHỨNG NHẬN THÔNG DỊCH VIÊN. SỰ CHỨNG NHẬN NÀY ÁP DỤNG NẾU 
QUÝ VỊ ĐÃ QUYẾT ĐỊNH BÀN THẢO VỚI CHÚNG TÔI HAY NGƯỜI BÁN HÀNG 
VỀ CÁC ĐIỀU KIỆN VÀ ĐIỀU KHOẢN CỦA TRƯƠNG MỤC BẰNG TIẾNG VIỆT. 
Khi ký tên vào đơn xin thẻ tín dụng hoặc sử dụng hay chấp thuận Thẻ hoặc Trương Mục 
liên quan được cấp cho quý vị, quý vị chứng nhận với Wells Fargo Financial National Bank 
(chúng tôi) rằng: (1) Quý vị đã nhận được và bàn thảo bản Thỏa Thuận này với thông dịch 
viên của quý vị, và quý vị và người này đã có cơ hội bàn thảo và thương lượng với chúng 
tôi hay Người Bán Hàng về các điều khoản và điều kiện trong những văn kiện đính kèm 
này. (2) Thông dịch viên của quý vị đã ít nhất 18 tuổi và thông thạo cả Anh ngữ và ngôn 
ngữ mà quý vị chọn để thảo luận với chúng tôi hay Người Bán Hàng về các điều khoản 
và điều kiện của Trương Mục của quý vị. Thông dịch viên cũng không phải là nhân viên 
của Người Bán Hàng hoặc do Người Bán Hàng cung cấp cho quý vị. (3) Quý vị hiểu và 
đồng ý với các điều khoản và điều kiện chứa trong những văn kiện đính kèm này.
SERTIPIKO NG TAGAPAGSALING-WIKA. ANG KATIBAYANG ITO AY MALALAPAT KAPAG 
NAGPASIYA KAYONG MAKIPAG-USAP SA AMIN O SA MANGANGALAKAL UKOL SA MGA 
TAKDA AT KONDISYON NG INYONG ACCOUNT SA TAGALOG. Sa pagpirma ng aplikasyon 
para	sa	credit	card,	paggamit	o	kaya’y	sa	pagtanggap	ng	Card	o	kaugnay	na	Account	
na  ibinigay  sa  inyo,  pinapatunayan  ninyo  sa  Wells  Fargo  Financial  National  Bank
(kami) na: (1) Natanggap at napag-usapan ninyo ng inyong tagapagsaling-wika ang
Kasunduang ito at kayo ng inyong tagapagsaling-wika ay nabigyan ng pagkakataon na 
makipag-usap at makipagkasundo sa amin o sa Mangangalakal tungkol sa mga takda 
at	 kondisyon	 na	 nilalaman	 ng	 mga	 nakalakip	 na	 dokumentong	 ito;	 (2)	 Ang	 inyong	
tagapagsaling-wika ay hindi kukulangin sa 18 taong gulang at matatas sa Ingles at
wikang  Tagalog  na  pinili  ninyo  upang  makipag-usap  sa  amin  o  sa  Mangangalakal
tungkol  sa  mga  takda  at  kondisyon  ng  inyong  Account,  at  hindi  siya  tauhan  ng
Mangangalakal	o	nakuha	sa	pamamagitan	ng	Mangangalakal;	(3)	Naiintindihan	ninyo	
at sumasang-ayon kayo sa mga takda at kondisyon na nilalaman ng mga nakalakip na 
dokumentong ito.
Notices 
IN CA: A married applicant may apply for a separate account. After credit approval, each 
applicant will have the right to use this Account to the extent of any limit set by us,
and may be liable for all amounts extended under this Account to any joint applicant.
IN NY: A consumer report may be requested in connection with this application or
any update, renewal or extension of any credit granted as a result of this application. 
You will be informed upon request whether a report was requested and the name and 
address of the consumer reporting agency that furnished the report.
IN  OH:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit
equally  available  to  all  creditworthy  customers,  and  that  credit  reporting  agencies
maintain  separate  credit  histories  on  each  individual  upon  request.  The  Ohio  Civil
Rights Commission administers compliance with this law.
IN  WI: 
If  you  are  applying  either  individually  or  jointly  with
someone  other  than  your  spouse,  please  contact  us  immediately  at: 
1-855-412-2787 and provide us with the name and address of your spouse. We
are required by law to inform your spouse that you have opened an account with 
us. Also, please note that no provision of a marital property agreement (including a
Statutory Individual Property Agreement pursuant to Sec. 766.587, Wis. Stat.), unilateral 
statement classifying income from separate property under Sec. 766.59, or court decree 
under Sec. 766.70 adversely affects the creditor unless the creditor is furnished with
a copy of the document prior to the credit transaction or has actual knowledge of its 
adverse provisions at the time the obligation is incurred.
Notice to Cardholders 
1.  Do  not  sign  this  Agreement  before  you  read  it  or  if  it  contains  any  blank

space.

2.  You are entitled to a completely filled in copy of this Agreement.

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

Your Billing Rights: Keep This Document For Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit 
Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Wells Fargo Financial National Bank
P.O. Box 10475
Des Moines, IA 50306
In your letter, give us the following information:
•	 Account information: Your name and account number.
•	 Dollar amount: The dollar amount of the suspected error.
•	 Description of problem: 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. You may call us, but if you do 
we are not required to investigate any potential errors and you may have to pay the 
amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1.  Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we  received  your 

letter. We will also tell you if we have already corrected the error.

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 first $50 of the 
amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your 
credit card, and you have tried in good faith to correct the problem with the merchant, 
you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true:
1.  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of 
your  current  mailing  address,  and  the  purchase  price  must  have  been  more 
than  $50.  (Note:  Neither  of  these  are  necessary  if  your  purchase  was  based  on 
an advertisement we mailed to you, or if we own the company that sold you the 
goods or services.)

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 Financial National Bank
P.O. Box 10475
Des Moines, IA 50306
While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed 
above. After we finish our investigation, we will tell you our decision. At that point, if 
we think you owe an amount and you do not pay, we may report you as delinquent.

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VISA® CREDIT CARD AGREEMENT

Important Terms of Your Credit Card Account
Interest Rates and Interest Charges
Annual Percentage Rate 
(APR) for Purchases

27.99%

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

APR for Cash Advances

27.99%

Paying Interest

Minimum Interest Charge
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

Fees
Annual Fee
Transaction Fees
•	 Cash Advance

Penalty Fees

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

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

None

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

•	 Late Payment
•	 Returned Payment 

Up to $35.00
Up to $35.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $25.00. For any subsequent event 
within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment Due or $35.00.
Daily Periodic Rate: The daily periodic rate used to figure interest for your Account is 0.07668%, which is calculated by dividing the APR by 
365. This daily periodic rate will vary with the market based on the U.S. Prime Rate. See your Agreement for more details.
The information about the cost of credit described in this Agreement is accurate as of March 2014. This information may have changed after 
that date. To find out what may have changed, call us at 1-800-459-8451.

ARBITRATION AGREEMENT
Binding  Arbitration.  You	 and	 Wells	 Fargo	 Financial	 National	 Bank	 (the	“Bank”),	 including	 the	 Bank’s	 assignees,	 agents,	 employees,	 officers,	 directors,	
shareholders, parent companies, subsidiaries, affiliates, predecessors and successors, agree that if a Dispute (as defined below) arises between you and 
the Bank, upon demand by either you or the Bank, the Dispute shall be resolved by the following arbitration process. However, the Bank shall not initiate 
an arbitration to collect 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 your Credit Card Account (“Account”) or related services. 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.
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 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 Nevada. 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.
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 Account or any other relationship between you and the Bank.
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.

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