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Account Agreements Wells Fargo College Cash Back Visa  Card Account Agreement

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Wells Fargo College Cash Back Visa  Card Account Agreement

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CONSUMER CREDIT CARD
CUSTOMER AGREEMENT & 
DISCLOSURE STATEMENT

COLLEGE
VISA  OR MASTERCARD

®

®

Section 1
Section 6
Section 12
Section 13
Section 20
Section 22
Section 31
Section 32
Section 33

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.
請您在啓用信用卡之前細讀第 33 節的「傳譯員確認書」。

중요사항: 신용카드를 사용하기 시작하시기 전에 섹션 33에 적힌 인증에 관한 중요한 사항을 읽으십시오.

Quan trọng: Xin đọc Mục 33 để biết tin tức quan trọng về chứng nhận trước khi quý vị hiệu lực hóa thẻ tín dụng của mình.

Mahalaga: Pakibasa ang Bahagi 33 para sa mahalagang katibayan bago ninyo i-activate ang inyong credit card.

Your Contract With Us

(1)  Agreement.  This  Credit  Card  Agreement  ("Agreement")  covers  the  use  of  your  credit  card  account  ("Account")  with  us.  It  includes  the 

Important Terms of Your Credit Card Account on the enclosed letter or the document that accompanies your Card, as well as any subsequent 
disclosures, all of which are incorporated here by reference. You accept the terms of this Agreement by using or activating your Account. If you 

have a joint Account, each of you is bound by this Agreement. Please read this Agreement carefully and save it for future reference.

(2) Parties to this Agreement. This Agreement is made between Wells Fargo Bank, N.A., P.O. Box 10347, Des Moines, IA 50306 ("we", "us", 

and "our") and each Account holder, whether primary or joint ("you" and "your").

(3) Definitions 

APR
Billing Cycle or
BillingPeriod
Card
Cash 
Advance

An Annual Percentage Rate (APR).
The interval between billing statements. Each billing statement shows a closing date. The statement 
closing date is the last day of the Billing Cycle for that billing statement.
Any credit card we issue to use your Account. 
Obtaining cash or funds using your Account by:

◾ presenting your Card at a bank that accepts MasterCard or Visa;
◾ using  your  Card  with  your  Card  Personal  Identification  Number  (PIN)  to  obtain  cash  from  any 

Automated Teller Machine (ATM) which displays any of the logos appearing on your Card;

◾ using  any  Wells  Fargo  debit  card  linked  to  your  Account  to  obtain  cash  from  any  ATM  which 

displays any of the logos appearing on your Wells Fargo debit card;

◾ 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;

Credit Access Device

Important Terms of Your Credit Card 
Account
New Balance
Outstanding Balance

Payment
Due Date
Purchase

◾ 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 

Other terms are defined in the Agreement below.

we may identify.

(4)  Contacting  Us.  Unless  stated  otherwise  in  this  Agreement,  you  may  contact  us  at  the  phone  number  or  address  shown  on  your  billing 
statement.

(5)  Contacting  You.  By  providing  us  with  any  telephone  number,  you  are  expressly  consenting  permission  to  contact  you  at  that  number 
about all of your Wells Fargo accounts. You give consent to allow us to contact your past, present and future phone service providers to verify 

the information you have provided against their records. You agree that your phone service providers may verify any phone numbers you have 
supplied to the name, address, and status on their records. For us to service your Account or to collect any amounts you may owe, you agree 

that  we  may  contact  you  using  any  contact  information  related  to  your  Account  including  any  number  (i)  you  have  provided  to  us  (ii)  from 
which you called us, or (iii) which we obtained and reasonably believe we can reach you. We may use any means to contact you and this may 

include  contact  from  companies  working  on  our  behalf  to  service  your  accounts.  This  may  include  automated  dialing  devices, 
prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, 

or any other data or voice transmission technology. You are responsible for any service provider charges as a result of us contacting you. You 
agree  to  promptly  notify  us  if  you  change  any  contact  information  you  provide  to  us.  This  includes  your  name,  mailing  address,  e-mail 

addresses, or phone numbers. If you have a joint Account, a notice to one of you will serve as a notice to both of you.

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Using Your Account

(6) Using Your Account. This is a consumer credit card Account which you may use for Purchases, balance transfers, Cash Advances and any 
other  transactions  we  allow  you  to  complete.  You  promise  that  you  will  use  your  Account  only  for  lawful  personal,  family,  or  household 
purposes. We reserve the right to deny transactions or authorizations from merchants apparently engaging in the internet gambling business or 

identifying themselves through the Card transaction record or otherwise as engaged in such business. We are not responsible if anyone does 
not allow you to use your Account or refuses to accept any other Credit Access Device. We may decline any transaction at any time.

◾ Purchases. You may use your Account for Purchases. Tax payments (including any fees charged by an associated agency) are Purchases.
◾ Balance  Transfers.  You  may  use  your  Account  for  balance  transfers.  The  applicable  APR  and  balance  transfer  fees  are  listed  in  the 
Important Terms of Your Credit Card Account or with the balance transfer offer or check you receive. There is no grace period on balance 

transfers. We begin charging interest on balance transfers on the date the balance transfer is posted to your Account.

◾ Cash Advances. You may use your Account for Cash Advances. The applicable APR and Cash Advance fees are listed in the Important 
Terms of Your Credit Card Account. We may limit your total Cash Advances to a portion of your total credit limit. There is no grace period 
on Cash Advances. We begin charging interest on Cash Advances on the date the Cash Advance is posted to your Account.  

Cash Advances from ATMs may be limited by amount or frequency:

◾ A total daily withdrawal limit of $500;
◾ A maximum limit of $500 for any single ATM withdrawal;
◾ No more than five ATM withdrawals per day; and

The ATM owner may impose more restrictive limits.
If the ATM owner charges a surcharge or convenience fee for withdrawing cash, the amount of that fee will be included as part of the total Cash 

Advance amount.

You may elect to have an automatic Cash Advance from your Account to cover an overdraft on a linked Wells Fargo checking account.

We determine the overdraft advance amount as follows:

◾ We will advance the exact dollar amount to cover the overdraft, subject to a minimum overdraft protection advance amount of $25.00. If 
the  amount  of  available  credit  on  your  Card  is  less  than  the  amount  of  the  overdraft  or  less  than  the  $25.00  minimum,  we  will  still 
advance the available amount.

The  applicable  APR  and  transaction  fee  that  apply  to  overdraft  protection  advances  are  listed  in  the  Important  Terms  of  Your  Credit  Card 
Account. Overdraft protection advances, and applicable interest and fees, may cause your Account balance to exceed your credit limit.

If  there  is  more  than  one  person  listed  on  the  checking  account  (such  as  a  joint  checking  account)  that  you  have  linked  for  overdraft 
protection, then:

◾ You  will  be  responsible  for  all  overdraft  protection  advances  regardless  of  which  person  writes  the  check  or  engages  in  any  other 

transaction (such as a debit card purchase) that causes the overdraft; and

◾ You  agree  to  allow  us  to  disclose  to  any  other  person  on  your  checking  account,  that  this  Card  is  linked  to  your  checking  account  for 

overdraft protection.

We reserve the right to cancel, suspend, or change the terms or conditions of your overdraft protection service at any time, for any reason.

◾ Credit  Access  Devices.  You  may  access  credit  on  your  Account  by  using  your  Card,  or  another  Credit  Access  Device  (such  as 

SUPERCHECKS™ or balance transfer checks). 

SUPERCHECKS  are  checks  you  can  use  to  access  your  Account  in  a  manner  similar  to  writing  a  check  on  a  deposit  account.  Except  as 

otherwise stated below, when we receive a SUPERCHECKS check, we will pay it by advancing the amount from your credit card Account. 
SUPERCHECKS™ checks will post as a balance transfer if provided by us in connection with a balance transfer offer; otherwise they will 

post as a Cash Advance. They are subject to the related transaction fees and interest.

◾ You may not write a SUPERCHECKS check as payment on your Account.
◾ Only the person whose name is printed on a SUPERCHECKS check may use it.
◾ All SUPERCHECKS checks must be written in U.S. dollars.
◾ We will not certify SUPERCHECKS checks.
◾ If you have a dispute which you are unable to resolve with a merchant about payment for property or services that you paid for using a 

SUPERCHECKS check, you will not be allowed to file a claim against the bank to reimburse you for this transaction.

◾ We reserve the right to put conditions on the use of SUPERCHECKS checks and to reject, decline and return unpaid any SUPERCHECKS 

check or advance at our discretion.

We may provide other Credit Access Devices which may be used to access your Account. The applicable interest and fee terms will be disclosed 

to you prior to your use of the Credit Access Device.

◾ Third  Party/Mobile  Devices.  We  may  also  permit  you  or  any  authorized  user  to  load  information  about  your  Account  onto  third 
party/mobile devices (such as a smartphone, tablet, or any other handheld or wearable communication device that allows you to store or 
electronically  present  your  Account  information)  that  would  enable  you  to  make  Purchases  or  engage  in  credit  transactions  for  your 

Account without needing to show your credit card. You and we agree that any such use of your Account will be subject to all the terms 
and conditions contained in this Agreement. 

To  the  extent  you  do  use  a  third  party/mobile  device  to  make  a  credit  transaction  on  your  Account,  or  load  information  about  your 

Account onto any such device, you need to be aware that we do not control the device and cannot guarantee the performance of either 
the device or any third party.

Additionally:

◾ You  agree  to  carefully  protect  the  security  of  any  devices  the  same  as  you  would  your  cash,  checks,  credit  cards  and  other  valuable 
information. We encourage you to password protect or lock your device to help prevent an unauthorized person from using it. You agree 

to promptly report any loss or theft to both us and the third party.

◾ You may incur third party fees related to engaging in a transaction (such as mobile carrier data or messaging charges).
◾ Credit  transactions  made  through  a  third  party/mobile  device  may  involve  the  electronic  transmission  of  information  related  to  you  or 
your Account across wireless or computer networks. Third parties, such as merchants, card association networks, mobile carriers, mobile 

wallet operators, and software application providers may use and receive information in connection with a credit transaction. Third parties 
may also receive information about your mobile device when you use it to make a credit transaction.

◾ We may, at any time, partially or fully restrict your ability to make credit transactions through a third party/mobile device. You agree to 

notify us promptly if you remove or want to remove your Account information from any third party/mobile device.

(7) No Authorized Users.

(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) Credit Limit.
We may assign the following limits to your Account:

◾ Credit Limit. This is the amount of credit we will extend to your Account.
◾ Cash Advance Limit. This is a portion of the credit limit that is available for Cash Advances.

Your total credit limit is shown on the document that accompanies your Card and on each of your billing statements. You promise to use your 
Account only to the limits. If you exceed your total credit limit, we may authorize the transaction without increasing your total credit limit (we 

may treat  that  amount  as immediately  due),  or deny  the  authorization.  If  you exceed  the  limits, you  will still  remain  liable for  all  credit  you 
receive. We can adjust your credit limit at any time.

(11) Authorizations. We may limit the number of authorizations we will allow during a period of time. We reserve the right to deny certain 

transactions for any reason, including default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased risk 
related to the transaction. For security reasons, we cannot explain the details of how the authorization system works. You agree that we will 

not be liable for failing to give an authorization. If the authorization is denied, we may notify the person who attempted the transaction that it 
has  been  refused.  Transactions  at  some  merchants  (such  as  hotels,  car  rental  companies,  restaurants,  and  gas  stations)  may  result  in 

temporary  authorizations  for  amounts  greater  than  the  actual  Purchase  amount,  which  will  make  less  credit  available  on  your  Account  for 
several days (usually until the date the actual Purchase amount is received from the merchant).

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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.

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Fees And Interest

(13) Fees.  You agree to pay the following fees. You will find the fee amounts in the Important Terms of Your Credit Card Account.

◾ Annual Fee. This fee may be charged if applicable. If your Account has an annual fee, you are responsible for paying it every year while 

your Account is open. The annual fee will not continue to be billed after your Account is closed.
◾ Balance Transfer Fee. This fee may be charged if you engage in a balance transfer transaction.
◾ Cash Advance Fee. This fee may be charged when a Cash Advance is posted to your Account.
◾ Overdraft Protection Advance Fee. This fee may be charged when an overdraft amount is advanced to the checking account linked by 

you to your Account.

◾ Foreign  Currency  Conversion  Fee.  This  fee  may  be  charged  on  each  Purchase  transaction  converted  into  a  U.S.  dollar  amount  by 

MasterCard or Visa.

◾ Late Fee. This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date.
◾ Returned Check or  Returned Payment Fee. This fee may be charged when a payment is not processed the first time or is returned 

unpaid.

Additional fees may be charged if agreed between you and us. All fees will be added to the Purchases balance, except Cash Advance fees which 

will be added to the Cash Advance balance on your Account.

(14) Foreign Currency Transactions.

◾ MasterCard.  If  you  make  a  transaction  with  your  MasterCard  Card  in  a  currency  other  than  U.S.  dollars,  MasterCard  International 
Incorporated  ("MasterCard")  will  convert  the  charge  into  U.S.  dollars  using  its  currency  conversion  procedure.  Currently,  the  currency 

conversion rate used by MasterCard for such transactions is generally either a government-mandated rate or a wholesale rate determined 
by MasterCard  for the processing cycle in  which the transaction  is processed. The  currency  conversion  rate used  by MasterCard  for the 

processing date may differ from the rate in effect on the date of the transaction or the date the transaction is posted to your Account.

◾ Visa.  If  you  make  a  transaction  in  a currency  other than  U.S.  dollars  using a  Visa  Card,  then Visa International  "Visa"  will  convert the 
charge  into  a  U.S.  dollar  amount.  The  exchange  rate  between  the  transaction  currency  and  the  billing  currency  used  for  processing 
international  transactions  is  either  (a)  a  rate  selected  by  Visa  from  the  range  of  rates  available  in  wholesale  currency  markets  for  the 

applicable central processing date, which rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect 
for the applicable central processing date. The currency conversion rate for the processing date may differ from the rate in effect on the 

date of the transaction or the date the transaction is posted to your Account.

◾ Point of Sale Conversion. Some merchants outside the United States offer cardholders the option of having Card transactions converted 
to U.S. dollars by Visa or MasterCard, as described above, or by the merchant itself. If the latter option is chosen, the currency conversion 
rate is determined solely by the merchant involved in the transaction, and no foreign currency conversion fee is charged by the bank for 

the transaction.

(15) Rates. This is how we calculate interest rates that apply to your Account. The Important Terms of Your Credit Card Account indicate the 

Standard and/or Standard Variable APRs as applicable to the different types of balances on your Account. The document that accompanies your 
Card also states the calculated daily periodic rates that apply to your Account.

◾ Introductory / Promotional APRs. If your Account is eligible for one or more introductory rates, the Important Terms of Your Credit 
Card Account describe the duration, the transactions to which the introductory rates apply, the introductory daily periodic rates, and the 

corresponding APRs applicable to your Account as of the date your Account opened. If a promotional rate is offered after your Account is 
open,  the  terms applicable to  that promotional  APR will be  provided  at that  time. After the  introductory  rates or  any  other  promotional 

rates expire, the remaining balances will be subject to the applicable Standard or Standard Variable APR terms.

◾ How  We  Calculate  Your  Standard  Variable  APRs.  If  your  Account  is  subject  to  Standard  Variable  APR,  the  APR  is  a  variable  rate 
based on the U.S. Prime Rate plus the applicable "Margin". Unless an introductory or promotional APR is in effect, we will add a "Margin" 
to the  U.S. Prime  Rate  to  determine your  variable APR.  For  each  Billing  Period,  we use  the  U.S.  Prime  Rate  or  the  average  of the  U.S. 
Prime  Rates (if there is more  than one) published in  the "Money Rates" column of The Wall  Street  Journal three business days prior  to 
your  statement  closing  date.  If  the  U.S.  Prime  Rate  is  no  longer  published  or  is  not  available,  we  may  select  a  similar  index.  The 

Important Terms of Your Credit Card Account displays the amount of the "Margin" on Purchases, balance transfers, Cash Advances, and 
overdraft protection advances, and daily periodic rates that apply to your Account. The APR may increase or decrease if the U.S. Prime 

Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the 

APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. If the 
APR changes due to a  change in  the  U.S. Prime Rate,  the new  APR will apply as  of the first day  of your Billing Cycle. Any  changes will 

apply to both existing and future balances on your Account. The APR will continue to vary even if your Account is closed.

◾ Standard APRs. If your Account is subject to Standard APRs, the Standard APRs will not vary with the market based on the U. S. Prime 
Rate. However, we may change the Standard APRs from time to time in accordance with section 12 above. Please refer to the Important 
Terms of Your Credit Card Account for the Standard APRs and daily periodic rates for Purchases, balance transfers, Cash Advances, and 

overdraft protection advances applicable to your Account.

◾ How We Calculate Your Daily Periodic Rates.

The daily periodic rates are calculated by dividing each applicable APR by 365.

(16) Minimum Interest Charge. The Important Terms of Your Credit Card Account disclose the Minimum Interest Charge applicable to your 

Account.

(17) When We Charge Interest. Unless stated otherwise below, we begin charging interest on a Purchase, balance transfer, Cash Advance, 

other transaction or interest charge on the date the Purchase, balance transfer, Cash Advance, other transaction, or interest charge posts to 
your Account. We begin charging interest on a fee on the first day of the Billing Cycle following the Billing Cycle in which the fee posts to your 

Account.  However,  if  a  late  payment  fee  is  posted  to  your  Account  in  the  current  Billing  Cycle,  but  is  related  to  a  late  payment  in  the  prior 
Billing Cycle, we will begin charging interest on the fee on the first day of the current Billing Cycle.

(18) Grace Period. You can avoid interest on any portion of a Purchase shown on your current billing statement that you pay by the Payment 

Due Date if the New Balance  shown on your previous billing statement was  zero or  was paid in  full by the previous Payment Due Date.  The 
Payment Due Date will be at least 25 days from the statement closing date and is printed on each billing statement you receive. You cannot 

avoid interest on Cash Advances or balance transfers.

(19) How We Calculate Interest - Average Daily Balance Method (Including New Purchases).

The  total  interest  charge  is  the  sum  of  interest  charges  for  each  type  of  balance,  including  any  Cash  Advance  balance  or  Purchase  balance 
(including,  for  purposes  of  this  section,  balance  transfers)  on  your  Account.  We  figure  the  interest  charge  for  each  type  of  balance  on  your 

Account by applying the daily periodic rate to the average daily balance ("ADB"). Then, we multiply this amount by the number of days in the 
Billing Cycle.

interest charge = daily periodic rate x ADB x number of days in Billing Cycle.

ADBs  for  each  type  of  balance  are  calculated  separately  starting  with  beginning  balance  of  the  first  day  of  each  Billing  Cycle.  The  beginning 

balance on the first day of the Billing Cycle is the prior Billing Cycle's ending balance, which includes any unpaid fees posted to your Account in 
the prior Billing Cycle. It also includes any late payment fees posted in the current Billing Cycle that are related to a late payment in the prior 

Billing Cycle. To get the ADB for each type of balance, we take the beginning balance each day and add any new Purchases, balance transfers 
and Cash Advances. Except for the first day of each Billing Cycle, we add interest equal to the previous day's balance multiplied by the daily 

periodic rate. (This means interest is compounded daily.) Then, we subtract any payments or credits. This gives us the daily balance. Any daily 
balance that is a credit balance will be treated as zero. Then, we add up all the daily balances for the Billing Cycle. We divide this amount by 

the number of days in the Billing Cycle. This gives us the ADB.

ADB = sum of daily balances ÷ number of days in the Billing Cycle.

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Billing Statements And Payments

(20)  Billing  Statements.  Each  month  you  have  a  balance,  you  will  receive  a  billing  statement  showing  your  New  Balance.  Your  billing 
statement also shows the Minimum Payment due, the Payment Due Date and the time of day by which we must receive your payment.

(21) Payments.

◾ Minimum Payment. You promise to pay the Minimum Payment due by the Payment Due Date. The "Minimum Payment" is any past due 

amount plus the larger of:

◾ The sum of the fees and interest billed during the Billing Cycle for which the Minimum Payment is calculated plus 1% of the New Balance 

shown on the billing statement (the Minimum Payment is then rounded-up to the next highest whole dollar amount); or

◾ $25.00 (or the entire balance on the Account if the New Balance is less than $25.00).

Credits  will  not  be  used  to  meet  the  Minimum  Payment.  In  addition,  any  past  due  amount  is  due  and  payable  immediately.  If  your  balance 
exceeds your credit limit, we also require that you pay the over limit amount, but that amount is not included in your Minimum Payment due.

◾ Payment Instructions. Follow these instructions when making a payment:
◾ Make your payment in U.S. dollars, but do not send cash. Unless the payment is made electronically, it must be in the form of a personal 
check, money order, or cashier's check and capable of being processed through the Federal Reserve System. Payments must be drawn on 
a United States bank. If we choose to accept a payment made in a foreign currency, we will temporarily credit the Account, until the U.S. 

currency conversion is complete. We will then reverse the temporary credit and post the U.S. currency converted amount.

◾ If you choose to make a payment by mail, please mail to the payment address designated on your billing statement using the envelope 
and  the  payment  coupon  enclosed  with  your  billing  statement.  Payments  received  by  5:00  p.m.  local  time  at  the  location  to  which  the 
payment is mailed, will be credited as of the date of receipt. Payments received after 5:00 p.m., will be credited as of the next day.

◾ If you choose to make a payment online via Wells Fargo Online Banking at wellsfargo.com, the cut-off time for online payments will be 

disclosed at the time of the transaction.

If  you  do  not  follow  these  instructions,  or  make  a  payment  using  a  money  transfer  other  than  the  transfer  feature  on  Wells  Fargo  Online 
Banking, your payment may not receive credit for up to five days after we receive it. 

Any  payment  submitted  to  us  in  the  form  of  a  check  or  other  paper  document  may  be  converted  to  an  electronic  transaction  through 

procedures  established  by  the  National  Automated  Clearing  House  Association.  If  this  occurs,  the  original  check  or  other  document  that  you 
send to us will not be retained, but a copy would be available if requested. 

We may, at our discretion, withhold a portion of the available credit on this Account up to the amount of any payments in order to assure that 

the check or other payment instrument is honored. You may not make a payment on this Account using any credit or loan account (including, 
without limitation, any instrument drawn on such accounts) held with Wells Fargo Bank, N.A., Wells Fargo & Company, or any of their affiliates 

or subsidiaries, and we may refuse any such payments in our sole discretion.

◾ You may not use SUPERCHECKS checks, drawn on this Account, to make any payment on this Account.
◾ Generally, we will apply your Minimum Payment first to lower APR balances (such as Purchases) before balances with higher APRs (such 
as Cash Advances). Payments made in excess of the Minimum Payment will be applied to balances with higher APRs first before balances 

with lower ones.

◾ We  post  payments  to  the  Billing  Cycle  within  which  they  are  received.  Any  payment  in  excess  of  the  Minimum  Payment  due  is  applied 

based on the balances reflected on your last billing statement.

Irregular Payments. We may accept late or partial payments, or payments that reflect "paid in full" (or other restrictive language), without 
losing our rights to receive full payment. If you intend to claim to pay your Account in full with an amount less than the Outstanding Balance, 
payments must be sent to: Wells Fargo, P.O. Box 10311, Des Moines, IA 50306-0311. Please note that such payments will not discharge your 

full debt. 

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Other Important Information

(22) Default / Immediate Repayment of Balance in Full. Your Account will be in default if:

◾ You fail to pay a Minimum Payment by the Payment Due Date;
◾ Any payment is dishonored;
◾ You violate any terms of this Agreement;
◾ You made an untrue statement on your application; OR
◾ You file for bankruptcy.

If  your  Account  is  in  default,  our  rights  include,  but  are  not  limited  to,  refusing  to  authorize  further  transactions  (including  SUPERCHECKS 
checks), closing your Account and any other credit card Accounts with us, and requiring the immediate payment of the Outstanding Balance. If 

your Account is in default, you also agree to pay our collection costs, attorney's fees, and court costs incurred in enforcing our rights under this 
Agreement.

(23) Re-Verification of Credit Information. We can reinvestigate any information you provided on your credit application at any time, and 
in the course of doing so, we may ask you for additional information, request credit bureau reports, and otherwise verify your current credit 

standing. You authorize us to investigate your credit, employment, assets, and income records and to verify your credit references. From time 
to time we may obtain follow-up credit reports on you. 

California Residents. We may also obtain information at any time from the California Department of Motor Vehicles. You agree to waive the 
address confidentiality requirements section of the California Vehicle Code (Section 1808.21).

(24) Cancellation. We may cancel, revoke, or suspend your rights under this Agreement for any reason. You may also close the Account at 
any  time.  If  the  Account  is  closed  for  any  reason,  you  must  still  repay  any  unpaid  balance  you  owe  to  us  according  to  the  terms  of  this 
Agreement. If this is a joint Account, either person who is liable on the Account may give notice to cancel the Account, and we may close it 

without notifying the other liable person.

(25)  Separation  of  Unlawful  Provisions.  If  any  provision  of  this  Agreement  is  determined  to  be  unlawful,  the  rest  of  the  Agreement  will 
stand and the unlawful provision will be deemed amended to conform to law.

(26) Enforcement Rights. We may waive or delay enforcing any of our rights without losing them. We may waive or delay enforcing a right 
against one of you without waiving it as to the other. If this is a joint Account, a default by one of you will be a default by all of you. A court 
decree  for  divorce  or  separation  or  a  noncourt  mutual  agreement  does  not  affect  our  ability  to  enforce  this  Agreement  or  collect  the 
Outstanding Balance against all liable parties if we were not a party to the decree or agreement.

(27) Phone Monitoring. You agree that we may monitor and record your phone calls with us.

(28)  Information  Reporting.  You  agree  that  we  may  report  your  performance,  status,  and  history  under  this  Agreement  to  consumer 
reporting agencies. If you request additional Cards on your Account for others, you understand that we may report Account information in your 
name as well as in the names of those additional cardholders. If you fail to comply with the terms of the account as defined in this agreement, 

it will be furnished to the credit reporting agencies and it could cause a negative reference on your credit report and the credit reports of any 
additional cardholders. You have the right to dispute the accuracy of information that we have reported by writing to us at Wells Fargo Credit 

Bureau Dispute Resolution, P.O. Box 14517, Des Moines, IA 50306-3517 and describing the specific information that is inaccurate or in dispute 

and the basis for any dispute with supporting documentation. In the case of information that you believe relates to an identity theft, you will 
need to provide us with an identity theft report.

(29) Assignment. We have the right to assign your Account to another creditor. The other creditor is then entitled to any rights we assign to 
them. You do not have the right to assign your Account.

(30)  Governing  Law.  This  Agreement and  your  Account,  is governed  by  federal  law and, to  the  extent  applicable,  the  laws of the  State of 
South Dakota, no matter where you live or use your Account.

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Arbitration

(31) Dispute Resolution Program: Arbitration Agreement.

1. Binding  Arbitration.  You  and  Wells  Fargo  Bank,  N.A.  (the  "Bank")  agree  that  if  a  Dispute  arises  between  you  and  the  Bank,  upon 
demand by either you or the Bank, the Dispute shall be resolved by the following arbitration process. The foregoing notwithstanding, the 
Bank shall not  initiate an arbitration  to collect a consumer debt, but reserves the right to arbitrate all other disputes with its  consumer 

customers. A "Dispute" is any unresolved disagreement between you and the Bank. It includes any disagreement relating in any way to 
the Card or related services, Accounts, or matters; to your use of any of the Bank's banking locations or facilities; or to any means you 

may use to access the Bank. It includes claims based on broken promises or contracts, torts, or other wrongful actions. It also includes 
statutory,  common  law,  and  equitable  claims.  A  Dispute  also  includes  any  disagreements  about  the  meaning  or  application  of  this 
Arbitration  Agreement.  This  Arbitration  Agreement  shall  survive  the  payment  or  closure  of  your  Account.  YOU  UNDERSTAND  AND 
AGREE  THAT  YOU  AND  THE  BANK  ARE  WAIVING  THE  RIGHT  TO  A  JURY  TRIAL  OR  TRIAL  BEFORE  A  JUDGE  IN  A  PUBLIC 
COURT.  As  the  sole  exception  to  this  Arbitration  Agreement,  you  and  the  Bank  retain  the  right  to  pursue  in  small  claims  court  any 
Dispute that is within that court's jurisdiction. If either you or the Bank fails to submit to binding arbitration following lawful demand, the 

party so failing bears all costs and expenses incurred by the other in compelling arbitration.

2. Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding 
that a lawsuit or other proceeding has been previously commenced. NEITHER YOU NOR THE BANK SHALL BE ENTITLED TO JOIN OR 
CONSOLIDATE  DISPUTES  BY  OR  AGAINST  OTHERS  IN  ANY  ARBITRATION,  OR  TO  INCLUDE  IN  ANY  ARBITRATION  ANY 
DISPUTE  AS  A  REPRESENTATIVE  OR  MEMBER  OF  A  CLASS,  OR  TO  ACT  IN  ANY  ARBITRATION  IN  THE  INTEREST  OF  THE 
GENERAL PUBLIC OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Each arbitration, including the selection of the arbitrator(s), 
shall be administered by the American Arbitration Association (AAA), or such other administrator as you and the Bank may mutually agree 

to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the "Arbitration Administrator"), according to 
the  Commercial  Arbitration  Rules  and  the  Supplemental  Procedures  for  Consumer  Related  Disputes  ("AAA  Rules").  To  the  extent  that 

there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrator(s) must 
be members of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the 

Dispute.  No  arbitrator  or  other  party  to  an  arbitration  proceeding  may  disclose  the  existence,  content,  or  results  thereof,  except  for 
disclosures of information by a party required in the ordinary course of its business or by applicable law or regulation. You and the Bank 

(the "Parties") agree that in this relationship: (1) The Parties are participating in transactions involving interstate commerce; and (2) This 
Arbitration  Agreement  and  any  resulting  arbitration  are  governed  by  the  provisions  of  the  Federal  Arbitration  Act  (Title  9  of  the  United 

States Code), and, to the extent any provision of that Act is inapplicable, unenforceable or invalid, the laws of the state of South Dakota. 
If  any  of  the  provisions  of  this  Arbitration  Agreement  dealing  with  class  action,  class  arbitration,  private  attorney  general  action,  other 

representative action, joinder, or consolidation is found to be illegal or unenforceable, that invalid provision shall not be severable and this 
entire Arbitration Agreement shall be unenforceable.

3. Rights  Preserved.  This  Arbitration  Agreement  does  not  prohibit  the  Parties  from  exercising  any  lawful  rights  or  using  other  available 
remedies  to  preserve,  foreclose,  or  obtain  possession  of  real  or  personal  property;  exercise  self-help  remedies,  including  setoff  and 
repossession rights; or obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment, or the appointment of 

a receiver by a court of competent jurisdiction. Any statute of limitations applicable to any Dispute applies to any arbitration between the 
Parties.  The  provisions  of  this  Arbitration  Agreement  shall  survive  termination,  amendment,  or  expiration  of  the  Card  or  any  other 

relationship between you and the Bank.

4. Fees  and  Expenses  of  Arbitration.  Arbitration  fees  shall  be  determined  by  the  rules  or  procedures  of  the  Arbitration  Administrator, 
unless limited by applicable law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration you 

may file. If the applicable law of the state in which you opened your Account limits the amount of fees and expenses to be paid by you, 
then no allocation of fees and expenses to you shall exceed this limitation. Unless inconsistent with applicable law, each of us shall bear 

the expense of our own attorney, expert and witness fees, regardless of which of us prevails in the arbitration.

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Your Billing Rights

Keep This Notice For Future Use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

(32) What To Do If You Find a Mistake on Your Statement  

If you think there is an error on your statement, write to us at:

Wells Fargo Card Services 

P.O. Box 522 
Des Moines, IA 50306-0522

In your letter, give us the following information:

◾ Your name and Account number;
◾ The date and dollar amount of the suspected error.
◾ If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

◾ Within 60 days after the error appeared on your statement.
◾ At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us  of  any  potential  errors in  writing at the address  above.  You  may notify  us using other means  (including calling  us at the 
number listed on the front of the statement), but doing so will not preserve your rights.

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected 

the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

◾ We cannot try to collect the amount in question, or report you as delinquent on that amount.
◾ The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
◾ While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
◾ We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

◾ If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
◾ If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will 
send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the 
amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If 
you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone 

to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the 

problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. 

To use this right, all of the following must be true:

1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must 
have been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if 

we own the company that sold you the goods or services.)

2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a check that accesses 

your credit card Account do not qualify.

3. You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at:

Wells Fargo Card Services 
PO Box 10347 

Des Moines, IA 50306

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our 
decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

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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.

Section (33) Esta certificación se aplica si usted eligió conversar con nosotros sobre los términos y condiciones de su cuenta de 
tarjeta de crédito en Español, Chino, Coreano, Vietnamita o Tagalo.

Al firmar, utilizar o aceptar de otro modo la tarjeta de crédito o la Cuenta relacionada emitida a su nombre, usted certifica a Wells Fargo Bank, 
N.A. (nosotros) que:

◾ Usted ha recibido y analizado el Contrato del Cliente y Declaración de Divulgación adjuntos con su intérprete, y que usted y su intérprete 
han tenido la oportunidad de conversar y negociar con nosotros los términos y condiciones contenidos en estos documentos adjuntos.
◾ Su intérprete tiene por lo menos 18 años de edad y habla con fluidez tanto en inglés como en el idioma que usted haya elegido para 

conversar con nosotros sobre los términos y condiciones de su Cuenta de tarjeta de crédito.

◾ Usted entiende y está de acuerdo con los términos y condiciones contenidos en estos documentos adjuntos, tal como se encuentran 

redactados.

第33節。

如果��選擇用中文和我們討論有關您的信用卡帳戶的條款和條件，本確認書適用。

如果您簽署、使用或以其他方式接受富國銀行（「我們」）發行給您的信用卡或相關帳戶，您即向我們確認：

◾ 您已經收到並與您的傳譯員討論過本「客戶協議」和「披露聲明」，而且您及您的傳譯員已有機會與我們討論 、協商本文件中包含的條款及條件。

◾ 您的傳譯員至少年滿18歲，並能夠流利使用英文和中文。
◾ 您理解並同意本文件中包含的現有書面條款與條件。

섹션 33.

귀하의 신용카드 계좌 이용약관에 대해 저희와 한국어로 논의할 것을 선택하셨다면 이 인증이 적용될 것입니다.
귀하나 관련 구좌에 발행된 신용카드에 대한 서명, 사용, 또는 수락은 귀하가 Wells Fargo Bank, N.A.(저희)에게 다음에 명시된 사항을 보증하신다는 것을 의미하게 됩니
다.

◾ 귀하는 귀하의 통역사와 함께 이 고객 약정서 및 공시 진술서를 받고 검토하였으며, 귀하와 귀하의 통역사는 이 서류의 이용약관에 대해 저희와 논의하고 검

토할 수 있는 기회를 제공받았습니다.

◾ 귀하의 통역사는 18세 이상이며, 영어와 한국어를 모두 유창하게 구사할 수 있습니다.
◾ 귀하는 이 서류에 기재된 약정을 이해하며 그 이용약관 내용에 동의합니다.

Mục 33

SỰ CHỨNG NHẬN NÀY ÁP DỤNG NẾU QUÝ VỊ ĐÃ QUYẾT ĐỊNH BÀN THẢO VỚI CHÚNG TÔI VỀ CÁC ĐIỀU KIỆN VÀ ĐIỀU KHOẢN CỦA TRƯƠNG 
MỤC THẺ TÍN DỤNG BẰNG TIẾNG VIỆT. 

Khi ký tên, sử dụng hoặc chấp nhận thẻ tín dụng hoặc trương mục liên quan được cấp cho quý vị, quý vị chứng nhận với Wells Fargo Bank, N.A. 

(chúng tôi) rằng:

◾ Quý vị đã nhận được và bàn thảo bản Thỏa Thuận và Tiết lộ của Thân Chủ với thông dịch viên của quý vị, và quý vị cùng người này đã có 

cơ hội bàn thảo và thương lượng với chúng tôi về các điều khoản và điều kiện trong văn kiện này.

◾ Thông dịch viên của quý vị đã ít nhất 18 tuổi và thông  thạo cả tiếng Anh và tiếng Việt.
◾ Quý vị hiểu và đồng ý với nguyên tắc các điều khoản và điều kiện trong văn kiện này.

Seksiyon 33

ANG KATIBAYANG ITO AY UMIIRAL KAPAG NAGPASIYA KAYONG PAG-USAPAN ANG MGA TAKDA AT KONDISYON NG INYONG CREDIT CARD 

ACCOUNT SA AMIN SA TAGALOG. 

Sa pagpirma, paggamit o kaya’y sa pagtanggap ng inyong credit card o kaugnay na account na ibinigay sa inyo, pinapatunayan ninyo sa Wells 
Fargo Bank, N.A. (kami) na:

◾ Natanggap at napag-usapan ninyo ng inyong tagapagsaling-wika itong Kasunduan sa Kliyente at Pahayag ng Pagsisiwalat at kayo ng 

inyong tagapagsaling-wika ay nabigyan ng pagkakataon na makipag-usap at makipagkasundo sa amin tungkol sa mga takda at kondisyon 

na nasa dokumentong ito.

◾ Ang inyong tagapagsaling-wika ay hindi kukulangin sa 18 taong gulang at matatas sa Ingles at Tagalog.
◾ Naiintindihan ninyo at sumasang-ayon kayo sa mga takda at kondisyon na nakasulat sa dokumentong ito.

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Wells Fargo Card Services
PO Box 10347, Des Moines, IA 50306

Hearing and Speech Impaired Customers, call the TTY number 1-800-419-2265

1-800-642-4720

College 08/15

M-112837
LS 8881

Important Terms of Your Credit Card Account

Pricing Addendum for Wells Fargo Cash Back College Visa  Card
As of 11/12/2016

®

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for 
Purchases

Prime Rate + 7.90% to Prime Rate + 17.90%, based 
on your creditworthiness.

Annual Percentage Rate (APR) for 
Balance Transfers

APR for Cash Advances and 
Overdraft Protection Advances

Paying Interest

This APR will vary with the market based on the U.S. Prime Rate. You may not qualify 
for the lowest APR disclosed in the range above. The APR applicable to your account 
will be determined by our review of your credit report, information you provide on your 
application, and other relevant information available to us.

Prime Rate + 7.90% to Prime Rate + 17.90%, based on your creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate. You may not qualify 
for the lowest APR disclosed in the range above. The APR applicable to your account 
will be determined by our review of your credit report, information you provide on your 
application, and other relevant information available to us.

Prime Rate + 20.74%

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 interest on purchases if you pay your entire balance by the due date each month. We 
will begin charging interest on cash advances and balance transfers on the transaction 
date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

Fees
Annual Fee

None

Transaction Fees
  Balance Transfers
  Cash Advances
  Overdraft Protection Advances

  Foreign Currency Conversion 

Penalty Fees
  Late payment
  Returned Check or Returned 
Payment

Up to 5% for each balance transfer, with a minimum of $5. 
Either $10 or 5% of the amount of each advance, whichever is greater.
$12.50 if the total of overdraft protection advances for the day is $50 or less; 
$20 if the total of overdraft protection advances for the day is greater than $50.
3% of each transaction converted to U.S. dollars.

Up to $37
Up to $37

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See the Consumer Credit 
Card Customer Agreement and Disclosure Statement for more details.

How  We  Calculate  Your  Late  Payment  and  Returned  Check  or  Returned  Payment  Fees:  The  fee  will  be  the  lesser  of  the  Minimum 
Payment or $27. For any subsequent event within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment or $37.

How We Will Calculate Your Variable APRs:

Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each 
billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates 
column of The  Wall  Street Journal  three business  days  prior  to your  billing  statement  closing  date. The  APR may  increase or decrease  if the 
U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease 

in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the 
Consumer Credit Card Customer Agreement and Disclosure Statement for more details.

Variable Interest Rate Calculation

Prime Rate effective as of 12/30/2016

3.75%

Margin added to the Prime Rate to determine your APR for purchases

7.90% - 17.90%

APR for purchases

11.65% - 21.65%

20.74%

Margin added to the Prime Rate to determine your APR for cash advances and 
overdraft protection advances

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APR for cash advances and overdraft protection advances

24.49%

© 1999 - 2016 Wells Fargo. All rights reserved. NMLSR ID 399801