Important Terms of Your Credit Card Account

VISA® CREDIT CARD AGREEMENT

Interest Rates and Interest Charges
Annual Percentage Rate 
(APR) for Purchases

28.99%
28.99%

APR for Cash Advances

Paying Interest

Minimum Interest Charge
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

Fees
Annual Fee
Transaction Fees
•  Cash Advance

Penalty Fees

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 $37.00
Up to $37.00

We use a method called “average daily balance (including new purchases).” See your Agreement for 

How We Will Calculate Your Balance: 
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 $27.00. For any subsequent event 
within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment Due or $37.00.
The information about the cost of credit described in this Agreement is accurate as of March 2016. 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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3102OA VSFX (0416)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. Your  signature  on  your  application  or  solicitation  for  this  Account,  including 
without limitation any electronic or digital signature, as well as your signature on Sales 
Slips or any Account-related document, represents your signature on this Agreement. 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

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.

Card

The credit card we may issue to use your Account.

Credit Access 
Device

A device, other than your Card, we allow you to use to access credit 
on your Account.

Important Terms 
of Your Credit 
Card Account

Merchant

A summary of your Account’s Annual Percentage Rates (“APRs”), 
fees and other important information.

Any  merchant  who  has  a  merchant  agreement  with  us  to 
participate in this credit card program.

New Balance

The Outstanding Balance as of a statement closing date.

Outstanding 
Balance

The  sum  of  all  unpaid  amounts,  including  purchases,  cash 
advances,  interest,  fees  and  any  other  amounts  that  you  may 
owe us.

Payment Address The address where you mail your payment. It is located on your 

Payment Stub.

Payment Due 
Date

Payment Stub

Sales Slip

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.
•  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. We use daily periodic rates and corresponding APRs to figure interest 
on balances on your Account. The daily periodic rate is 0.07942%, which is calculated by 
dividing the APR by 365.
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).

You  may  at  any  time  pay,  in  whole  or  in  part,  the  Outstanding  Balance  without  any 
additional charge for prepayment. 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.
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.

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3102OA VSFX (0416) 
 
 
 
 
The payment for balances with Regular Payment Terms will be the greater of:
•  $40.00 (or the sum of balances with Regular Payment Terms if it is less than $40.00); 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. When you provide a check as payment, you 
authorize us either to use information from your check to make a one-time electronic 
fund transfer from your Account or to process the payment as a check transaction. When 
we use information from your check to make an electronic fund transfer, funds may be 
withdrawn from your Account as soon as the same day we receive your payment, and 
you will not receive your check back from your financial institution. Your statement also 
explains how information on your check is used.

•  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. By providing us with any phone 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. 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, 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. 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 mobile, wireless or 
similar device or Voice over Internet Protocol (VolP) 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 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.
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 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.
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. 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. 
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 Financial National 
Bank, P.O. Box 14595, Des Moines, IA 50306 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.
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.
The following No Interest if Paid in Full special terms promotion may be offered to you:

No Interest 
if Paid in 
Full with 
monthly 
payments

If  the  purchase  balance  is  not  paid  in  full  within  the  special  terms 
period, interest will be charged to your Account from the purchase 
date at a rate of 28.99%. This special terms promotion may be offered 
for  periods  of  6-18  months.  This  special  terms  promotion  will  be 
identified on your statement as  “NO INT IF PD IN FULL.” The Special 
Terms End Date will disclose the duration of the special terms.

•  Special Rate. This means the APR shown on the Sales Slip will be used to figure interest 
on the purchase balance. A special rate of 0% APR may be advertised as a “no interest” 
special terms promotion.

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.

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3102OA VSFX (0416)•  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.

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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.
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 NJ: Certain provisions of this Agreement are subject to applicable law. As a result, 
they  may  be  void,  unenforceable  or  inapplicable  in  some  jurisdictions.  None  of  these 
provisions, however, is void, unenforceable or inapplicable in New Jersey.
IN NY, RI & VT: 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. 
Upon your request, you will be informed whether a report was obtained, and if so, the 
name and address of the consumer report agency. You consent to our obtaining of such 
reports by signing or otherwise submitting a credit application.

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.
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 522 
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 522 
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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3102OA VSFX (0416)