Important Terms of Your Credit Card Account
Interest Rates and Interest Charges

CREDIT CARD AGREEMENT

Annual Percentage Rate (APR) 
for Purchases

How to Avoid Paying Interest 
on Purchases

12.99%
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. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

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.

Fees

Annual Fee

Penalty Fees

None

•  Late Payment
•  Returned Payment 

Up to $38.00
Up to $38.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $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 $38.00.
The information about the cost of credit described in this Agreement is accurate as of November 2019. 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 Bank, N.A. (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 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.
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.
Military Lending Act: The Arbitration Agreement does not apply to you if you are covered by the Military Lending Act nor do any provisions that waive any 
right to legal recourse under any state or federal law to the extent required by the Military Lending Act. Please see The Military Lending Act Notice in the 
Agreement for more information.

Page 1 of 4

6102OA 1690 (1119)

CREDIT CARD AGREEMENT

。

，

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 Bank, N.A., 
101 North Phillips Avenue, Sioux Falls, SD 57104 (“we,” “us,” and “our”) and each account 
holder, whether primary or joint (“you” and “your”).
CONTACTING US. Unless stated otherwise in this Agreement, you may contact us at the 
phone number or address shown on your statement. For more information, visit us online 
at wellsfargo.com/cardholders. 
DEFINITIONS.
Billing Cycle

Card
Credit Access Device

Important Terms of Your 
Credit Card Account
Merchant

New Balance
Outstanding Balance

Payment Address

Payment Due Date

Payment Stub

Sales Slip

The interval between statements. Each statement shows
a closing date. The statement closing date is the last day
of the Billing Cycle for that statement.
The credit card we may issue to use your Account.
A device, other than your Card, we allow you to use to
access credit on your Account.
A summary of your Account’s Annual Percentage Rates
(“APRs”), fees and other important information.
Any merchant who has a merchant agreement with us to 
participate in this credit card program.
The Outstanding Balance as of a statement closing date.
The  sum  of  all  unpaid  amounts,  including  purchases,
interest, fees and any other amounts that you may owe us.
The address where you mail your payment. It is located
on your Payment Stub.
The  date  the  Minimum  Payment  Due  is  due  to  us.  It  is
shown on your statement.
The portion of your statement that is to be returned with 
your payment.
Any  document  that  describes  the  terms  of  a  purchase
on the Account.

OVERVIEW OF ACCOUNT. Your Account may be divided into two or more balances. These 
balances may also be referred to as subaccounts. Different terms may apply to different 
balances.
USING YOUR ACCOUNT. You may use your Account for purchases. Purchases will be part 
of the regular balance unless a Sales Slip shows that special terms apply. If special terms 
apply, the purchase will be part of a special terms balance. Special terms are described later 
in this Agreement (see Special Terms section). 
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, 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 will assign a Credit Limit to your Account. A Credit Limit is the amount of 
credit we will extend to your Account. Your Credit Limit is provided with your Card and on 
each of your statements. You promise to use your Account only to the Credit Limit. If you 
exceed your Credit Limit, we may authorize the transaction without increasing your Credit 
Limit. If you exceed your Credit Limit, you will remain liable for all amounts payable under 
this Agreement. We can adjust your Credit Limit 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.

INTEREST RATES. We use daily periodic rates and corresponding APRs to figure interest 
on balances on your Account. The daily periodic rate is 0.03558%, which is calculated by 
dividing the APR by 365.
WHEN WE CHARGE INTEREST. Unless stated otherwise below, we begin charging interest 
on a purchase or interest charge on the date the purchase 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.
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, 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.  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.
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 website, 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. 
Some of your available line of credit may be held, at our discretion, until your payment is 
honored.

Page 2 of 4

6102OA 1690 (1119)

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 Bank, N.A., 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 
CANCELLATION. We may close your Account at any time and for any reason. You may also 
close the Account at any time by contacting us. If that happens, you must still repay the 
balance owed according to the terms of this Agreement. If we close the account, notice may 
be provided to only one Account Holder.
AUTHORIZED USERS. If we permit authorized users on your Account, you may request 
additional Cards for authorized users. You are responsible for all charges (including related 
interest and fees) made by the authorized user. If you want to end an authorized user’s 
privilege to use your Account, before we can process the request, you must:
•  Recover and destroy that person’s Card. If you do not recover and destroy the Card, you 
will continue to be liable for any charges made after you advised us of your wish to cancel 
the privileges, unless you tell us to cancel all Cards and establish a new Account for you.
•  You must notify us of your request by contacting us at the phone number or address 

shown on your statement.  

In general, an authorized user is not obligated on this Account and is not liable for any 
Outstanding Balance or any other charges made by you or by any other authorized user. 
Each authorized user’s privilege ends automatically upon the death of all account holders. 
If any person uses the Card, such use indicates his or her agreement to pay us, and we may, 
at our discretion, pursue the person for payment of any Outstanding Balance or any other 
charges they authorize. You agree to notify each authorized user that they are subject to 
all applicable sections of this Agreement.
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  this  is  a  joint  Account,  a  default  by  one  of  you  will  be  a  default  by  all  of  you.  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. Federal law and the laws of South Dakota govern this Agreement and 
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 Retail Services 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 Bank, N.A., P.O. Box 
14517, 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.
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 12.99%. 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.

•  Custom Payments. This means the payment is a set dollar amount or a fraction or percent 
of the highest balance of this type on any statement closing date. The payment will not 
change unless, on a future statement closing date, the balance increases above the highest 
balance.

Interpreter Certification 
INTERPRETER CERTIFICATION. THIS CERTIFICATION APPLIES IF YOU CHOSE TO DISCUSS 
WITH US OR THE MERCHANT THE TERMS AND CONDITIONS OF YOUR ACCOUNT IN SPANISH, 
CHINESE,  KOREAN,  VIETNAMESE,  OR  TAGALOG.  By  signing  the  credit  card  application, 
using  or  otherwise  accepting  the  Card  or  related  Account  issued  to  you,  you  certify  to 
Wells Fargo Bank, N.A. (us) that: (1) You have received and discussed this Agreement with 
your  interpreter  and  that  you  and  your  interpreter  have  been  given  an  opportunity  to 
discuss  and  negotiate  with  us  or  the  Merchant  the  terms  and  conditions  contained  in 
these enclosed documents; (2) Your interpreter is at least 18 years old and is fluent both 
in English and in the language in which you chose to discuss with us or the Merchant the 
terms and conditions of your Account, and is not employed by or made available through 
the Merchant; (3) You understand and agree to the terms and conditions contained in these 
enclosed documents as written.

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CERTIFICACIÓN  DEL  INTÉRPRETE.  ESTA  CERTIFICACIÓN  ES  DE  APLICACIÓN  SI  USTED 
ELIGE  DISCUTIR  CON  NOSOTROS  O  EL  COMERCIANTE  LOS  TÉRMINOS  Y  CONDICIONES 
DE SU CUENTA EN ESPAÑOL. Al firmar la solicitud de tarjeta de crédito, utilizar o de otra 
manera  aceptar  la  tarjeta  o  cuenta  relacionada  que  le  hayamos  emitido,  usted  certifica 
ante Wells Fargo Bank, N.A. (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 Bank, N.A. 「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 Bank, N.A. (
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 Bank, N.A. (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 Bank, N.A. (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 
THE  MILITARY  LENDING  ACT  NOTICE:  Federal  law  provides  important  protections  to 
members of the Armed Forces and their dependents relating to extensions of consumer 
credit. In general, the costs of consumer credit to a member of the Armed Forces and his or 
her spouse or dependent may not exceed an annual percentage rate of 36 percent. This rate 
must include, as applicable to the credit transaction or account: The costs associated with 
credit insurance premiums; fees for ancillary products sold in connection with the credit 
transaction; any application fee charged (other than certain application fees for specified 
credit  transactions  or  accounts);  and  any  participation  fee  charged  (other  than  certain 
participation fees for a credit card account). Please Note: There are NO credit insurance 
premiums, fees for ancillary products, or application fees with this Account. 
You may contact us at 1-800-338-3273 for information about the Military Annual Percentage 
Rate and a description of your payment obligation.  
The Arbitration Agreement does not apply to you if you are covered by the Military Lending 
Act nor do any provisions that waive any right to legal recourse under any state or federal 
law to the extent required by the Military Lending Act.
IN  CALIFORNIA:  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 NEW JERSEY: 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 NEW YORK, RHODE ISLAND & VERMONT: 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  OHIO:  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 WISCONSIN: 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 Bank, N.A. 
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 Bank, N.A. 
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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