CONSUMER CREDIT CARD 
CUSTOMER AGREEMENT & DISCLOSURE STATEMENT 

VISA® OR MASTERCARD® 

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

Table of Contents:  
Your Contract With Us:  
Using Your Account: 
Changes To This Agreement:  
Fees And Interest:  
Billing Statements And Payments:  
Other Important Information:  
Arbitration:  
Your Billing Rights:  
Interpreter Certification:  

Notice To California Cardholders  

To our California customers who have discussed credit card terms and conditions with us in Spanish, Chinese, Korean, Vietnamese, or Tagalog: 

Read Section 33 about interpreter certification before you activate your credit card. 

Antes de activar su tarjeta de crédito, lea la sección 33 con respecto a una certificación importante. 

Your Contract With Us 

(1)  Agreement.  This  Credit  Card  Agreement  (“Agreement”)  covers  the  use  of  your  credit  card  account  (“Account”)  with  us.  It  includes  the  Important 
Terms of Your Credit Card  Account on the enclosed letter or the document that  accompanies your  Card, as well as  any  subsequent disclosures, all of 
which are incorporated here by reference. You accept the terms of this Agreement by using or activating your Account. If you have a joint Account, each 
of you is bound by this Agreement. Please read this Agreement carefully and save it for future reference. 

(2) Parties to this Agreement. This Agreement is made between Wells Fargo Bank, N.A., P.O. Box 10347, Des Moines, IA 50306 (“we”, “us”, and “our”) and 
each Account holder, whether primary or joint (“you” and “your”). 

(3) Definitions. 

APR 
Billing Cycle or 
Billing Period 
Card 
Cash Advance 

Credit Access 
Device 
Important Terms of 
Your Credit Card 
Account 
New Balance 
Outstanding 
Balance 
Payment  
Due Date 
Purchase 

An Annual Percentage Rate (APR). 
The interval between billing statements. Each billing statement shows a closing date. The statement closing date is 
the last day of the Billing Cycle for that billing statement. 
Any credit card we issue to use your Account.  
Obtaining cash or funds using your Account by: 
• presenting your Card at a bank that accepts 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;  
• using SUPERCHECKS™ checks that are issued in connection with this Account, (unless provided by us in connection 

with a balance transfer offer); or 

• buying cash equivalents such as money orders, wire transfers, traveler checks, foreign currency, lottery tickets, casino 

chips, off-track wagers, other wagers, vouchers redeemable for cash or similar items. 
A device, other than your Card, (such as SUPERCHECKS™ checks, balance transfer checks) we allow you to use to 
access credit on your Account. 
A summary of your Account’s APRs, fees and other important information. 

The Outstanding Balance as of a statement closing date. 
The sum of all unpaid amounts, including Purchases, Cash Advances, balance transfers, interest, fees and any other 
amounts that you may owe us. 
The date the Minimum Payment is due to us. The Payment Due Date will be at least 25 days from the statement 
closing date. It is shown on your billing statement. 
The use of your Account to: 
• buy or lease goods or services; 
• make any transaction that is not a Cash Advance, balance transfer, or other type of transaction we may identify. 

Other terms are defined in the Agreement below. 

(4) Contacting Us. Unless stated otherwise in this Agreement, you may contact us at the phone number or address shown on your billing statement.  

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(5)  Contacting  You.  For  us  to  service  your  Account  or  to  collect  any  amounts  you  may  owe,  you  agree  that  we  may  contact  you  using  any  contact 
information related to your  Account. We may use any means to contact you. This may include automated dialing devices, prerecorded/artificial voice 
messages, mail, e-mail, text messages, and calls to your cell phone. You are responsible for any service provider charges as a result of us contacting you. 
You agree to promptly notify us if you change any contact information you provide to us. This includes your name, mailing address, e-mail addresses, or 
phone numbers. If you have a joint Account, a notice to one of you will serve as a notice to both of you. 

Using Your Account 

(6)  Using  Your  Account.  This  is  a  consumer  credit  card  Account  which  you  may  use  for  Purchases,  balance  transfers,  Cash  Advances  and  any  other 
transactions we allow you to complete. You promise that you will use your Account only for lawful personal, family, or household purposes. We reserve 
the  right  to  deny  transactions  or  authorizations  from  merchants  apparently  engaging  in  the  internet  gambling  business  or  identifying  themselves 
through the Card transaction record or otherwise as engaged in such business.  We are not responsible if anyone does not allow you to use your Account 
or refuses to accept any other Credit Access Device.  We may decline any transaction at any time. 

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

Balance Transfers. You may use your Account for balance transfers. The applicable APR and balance transfer fees are listed in the Important Terms of 
Your  Credit  Card  Account  or  with  the  balance  transfer  offer  or  check  you  receive.  There  is  no  grace  period  on  balance  transfers.  We  begin  charging 
interest on balance transfers on the date the balance transfer is posted to your Account. 

Cash Advances. You may use your Account for Cash Advances. The applicable APR and Cash Advance fees are listed in the Important Terms of Your 
Credit Card Account.  We may limit your total Cash Advances to a portion of your total 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. 

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Credit Access Devices. You may access credit on your Account by using your Card, or another Credit Access Device (such as SUPERCHECKS™ or balance 
transfer checks).  

SUPERCHECKS are checks you can use to access your Account in a manner similar to writing a check on a deposit account. Except as otherwise stated 
below, when we receive a SUPERCHECKS check, we will pay it by advancing the amount from your credit card Account. SUPERCHECKS™ checks will post 
as a balance transfer if provided by us in connection with a balance transfer offer; otherwise they will post as a Cash Advance. They are subject to the 
related transaction fees and interest. 

• You may not write a SUPERCHECKS check as payment on your Account.  
• Only the person whose name is printed on a SUPERCHECKS check may use it.  
• All SUPERCHECKS checks must be written in U.S. dollars.  
• We will not certify SUPERCHECKS checks.  
•  If  you  have  a  dispute  which  you  are  unable  to  resolve  with  a  merchant  about  payment  for  property  or  services  that  you  paid  for  using  a 

SUPERCHECKS check, you will not be allowed to file a claim against the bank to reimburse you for this transaction.  

• We reserve the right to put conditions on the use of SUPERCHECKS checks and to reject, decline and return unpaid any SUPERCHECKS check or 

advance at our discretion.  

We may provide other Credit Access Devices which may be used to access your Account. The applicable interest and fee terms will be disclosed to you 
prior to your use of the Credit Access Device.  

(7) Authorized Users. If you wish to have an additional Card issued in another person's name, please contact us and we will send you a Card with the 
name  of  the  authorized  person  embossed  on  the front  of  the  Card. You  are  responsible  for  payment  of  the  entire  amount  owed  to  us,  including  any 
Purchases, balance transfers or Cash Advances (and all related interest and fees) made by the authorized person.  

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Ending Authorized User Privileges. 
If you want to end an authorized user's privilege to use your Account, before we can process the request, you must: 

• Recover and destroy that person's Card. If you do not recover and destroy the Card, you will continue to be liable for any charges made after you 

advised us of your wish to cancel the privileges, unless you tell us to cancel all Cards and establish a new Account for you.  

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

process a change or cancellation.  

In general, an authorized person is not obligated on this Account and is not liable for any Outstanding Balance or any other charges made by you or by 
any other authorized person. Each authorized person's privilege ends automatically upon the death of all fully liable cardholders. If any person uses the 

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Card, such use indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of any Outstanding Balance or any 
other charges they authorize. You agree to notify each authorized person that they are subject to all applicable sections of this Agreement. 

(8) Lost or Stolen Cards and Liability for Unauthorized Use. You agree to notify us immediately, if your Card is lost or stolen or if you believe your 
Account is being used without your permission. You may contact us orally or in writing at 1-800-642-4720 or P.O. Box 10347, Des Moines, IA 50306. You 
agree to assist us in our investigation of the matter. If you do this, you will not be held liable for the unauthorized use of your Account. 

(9) Promise to Pay. When you use your Account or let someone else use it, you promise to pay the total amount of the Purchases, Cash Advances, and 
balance transfers, plus all interest, fees and other amounts that you may owe us. We may limit or close your Account, but the terms of this Agreement will 
apply until you pay the Account in full. 

(10) 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).  

Changes To This Agreement 

(12) Change In Terms. We may change this Agreement at any time. These changes may apply to existing and future balances. We will give you 
advance written notice of the changes and a right to reject the changes if required by law. We may require you to close your Account or take 
other actions if you reject the changes. 

Fees And Interest 

(13) Fees. You agree to pay the following fees. You will find the fee amounts in the Important Terms of Your Credit Card Account. 

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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.  

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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 

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"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.  

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(16) Minimum Interest Charge. The Important Terms of Your Credit Card Account disclose the Minimum Interest Charge applicable to your Account.  

(17)  When  We  Charge  Interest.  Unless  stated  otherwise  below,  we  begin  charging  interest  on  a  Purchase,  balance  transfer,  Cash  Advance,  other 
transaction or interest charge on the date the Purchase, balance transfer, Cash Advance, transaction, or interest charge posts to your Account.  We begin 
charging  interest  on  a  fee  on  the  first  day  of  the  Billing  Cycle  following  the  Billing  Cycle  in  which  the  fee  posts  to  your  Account.  However,  if  a  late 
payment  fee  is  posted  to  your  Account  in  the  current  Billing  Cycle,  but  is  related  to  a  late  payment  in  the  prior  Billing  Cycle,  we  will  begin  charging 
interest on the fee on the first day of the current Billing Cycle. 

(18) Grace Period. You can avoid interest on any portion of a Purchase shown on your current billing statement that you pay by the Payment Due Date if 
the New Balance shown on your previous billing statement was zero or was paid in full by the previous Payment Due Date. The Payment Due Date will be 
at least 25 days from the statement closing date and is printed on each billing statement you receive.  You cannot avoid interest on Cash Advances or 
balance transfers. 

(19) How We Calculate Interest _ Average Daily Balance Method (Including New Purchases). 
The total interest charge is the sum of interest charges for each type of balance, including any Cash Advance balance or Purchase balance (including, for 
purposes of this section, balance transfers) on your Account. We figure the interest charge for each type of balance on your Account by applying the 
daily periodic rate to the average daily balance (“ADB”). Then, we multiply this amount by the number of days in the Billing Cycle.  

interest charge =  daily periodic rate x ADB x number of days in Billing Cycle. 

ADBs for each type of balance are calculated separately starting with beginning balance of the first day of each Billing Cycle. The beginning balance on 
the first day of the Billing Cycle is the prior Billing  Cycle’s ending balance, which includes any unpaid fees posted to your  Account in the prior Billing 
Cycle. It also includes any late payment fees posted in the current Billing Cycle that are related to a late payment in the prior Billing Cycle.  To get the ADB 
for each type of balance, we take the beginning balance each day and add any new Purchases, balance transfers and Cash Advances. Except for the first 
day of each Billing Cycle, we add interest equal to the previous day’s balance multiplied by the daily periodic rate. (This means interest is compounded 
daily.) Then, we subtract any payments or credits. This gives us the daily balance. Any daily balance that is a credit balance will be treated as zero. Then, 
we add up all the daily balances for the Billing Cycle. We divide this amount by the number of days in the Billing Cycle. This gives us the ADB. 
ADB =  sum of daily balances ÷ number of days in the Billing Cycle. 

Billing Statements And Payments  

(20) Billing Statements. Each month you have a balance, you will receive a billing statement showing your New Balance. Your billing statement also 
shows the Minimum Payment due, the Payment Due Date and the time of day by which we must receive your payment.  

(21) Payments  

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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 

• $15.00 (or the entire balance on the Account if the New Balance is less than $15.00). 

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.  

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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 

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the balances reflected on your last billing statement. 

Irregular Payments. We may accept late or partial payments, or payments that reflect “paid in full” (or other restrictive language), without losing our 
rights to receive full payment.  If you intend to claim to pay your Account in full with an amount less than the Outstanding Balance, payments must be 
sent to: Wells Fargo, P.O. Box 5071, Portland, OR 97208-5071. Please note that such payments will not discharge your full debt. 

Other Important Information  

(22) Default / Immediate Repayment of Balance in Full. Your Account will be in default if:  

• You fail to pay a Minimum Payment by the Payment Due Date;  
• Any payment is dishonored; 
• You violate any terms of this Agreement; 
• You made an untrue statement on your application; OR 
• You file for bankruptcy.  

If your Account is in default, our rights include, but are not limited to, refusing to authorize further transactions (including SUPERCHECKS checks), closing 
your Account and any other credit card Accounts with us, and requiring the immediate payment of the Outstanding Balance. If your Account is in default, 
you also agree to pay our collection costs, attorney's fees, and court costs incurred in enforcing our rights under this Agreement. 

(23) Re-Verification of Credit Information. We can reinvestigate any information you provided on your credit application at any time, and in the course 
of doing so, we may ask you for additional information, request credit bureau reports, and otherwise verify your current credit standing. You authorize us 
to  investigate  your  credit,  employment,  assets,  and  income  records  and  to  verify  your  credit  references.  From  time  to  time  we  may  obtain  follow-up 
credit reports on you.   

California  Residents.  We  may  also  obtain  information  at  any  time  from  the  California  Department  of  Motor  Vehicles.  You  agree  to  waive  the  address 
confidentiality requirements section of the California Vehicle Code (Section 1808.21). 

(24) Cancellation. We may cancel, revoke, or suspend your rights under this Agreement for any reason. You may also close the Account at any time. If 
the Account is closed for any reason, you must still repay any unpaid balance you owe to us according to the terms of this Agreement. If this is a joint 
Account, either person who is liable on the Account may give notice to cancel the Account, and we may close it without notifying the other liable person. 

(25) Separation of Unlawful Provisions. If any provision of this Agreement is determined to be unlawful, the rest of the Agreement will stand and the 
unlawful provision will be deemed amended to conform to law.  

(26)Enforcement Rights.  We may waive or delay enforcing any of our rights without losing them. We may waive or delay enforcing a right against one 
of you without waiving it as to the other. If this is a joint Account, a default by one of you will be a default by all of you. A court decree for divorce or 
separation or a noncourt mutual agreement does not affect our ability to enforce this Agreement or collect the Outstanding Balance against all liable 
parties if we were not a party to the decree or agreement.  

(27) Phone Monitoring. You agree that we may monitor and record your phone calls with us. 

(28)Information Reporting. You agree that we may report your performance, status, and history under this Agreement to consumer reporting agencies. 
If you request additional Cards on your Account for others, you understand that we may report Account information in your name as well as in the names 
of those additional cardholders. If you fail to make your Minimum Payment on time, it could cause a negative reference on your credit report and the 
credit reports of any additional cardholders. You have the right to dispute the accuracy of information that we have reported by writing to us at P.O. Box 
5445,  Portland,  OR  97228-5445  and  describing  the  specific  information  that  is  inaccurate  or  in  dispute  and  the  basis  for  any  dispute  with  supporting 
documentation. In the case of information that you believe relates to an identity theft, you will need to provide us with an identity theft report.  

(29) Assignment. We have the right to assign your Account to another creditor. The other creditor is then entitled to any rights we assign to them. You 
do not have the right to assign your Account. 

(30) Governing Law. This Agreement and your Account, is governed by federal law and, to the extent applicable, the laws of the State of South Dakota, 
no matter where you live or use your Account.  

Arbitration 

(31) Dispute Resolution Program: Arbitration Agreement.  
a. Binding Arbitration. You and Wells Fargo Bank, N.A. (the "Bank") agree that if a Dispute arises between you and the Bank, upon demand by either you 
or the Bank, the Dispute shall be resolved by the following arbitration process. The foregoing notwithstanding, the Bank shall not initiate an arbitration 
to collect a consumer debt, but reserves the right to arbitrate all other disputes with its consumer customers. A "Dispute" is any unresolved disagreement 
between you and the Bank. It includes any disagreement relating in any way to the Card or related services, Accounts, or matters; to your use of any of 
the Bank's banking locations or facilities; or to any means you may use to access the Bank. It includes claims based on broken promises or contracts, torts, 
or other wrongful actions. It also includes statutory, common law, and equitable claims. A Dispute also includes any disagreements about the meaning or 
application of this Arbitration Agreement. This Arbitration Agreement shall survive the payment or closure of your Account. YOU UNDERSTAND AND 
AGREE  THAT  YOU  AND  THE  BANK  ARE  WAIVING  THE  RIGHT  TO  A  JURY  TRIAL  OR  TRIAL  BEFORE  A  JUDGE  IN  A  PUBLIC  COURT.  As  the  sole 
exception  to  this  Arbitration  Agreement,  you  and  the  Bank  retain  the  right  to  pursue  in  small  claims  court  any  Dispute  that  is  within  that  court's 
jurisdiction.  If  either  you  or  the  Bank  fails  to  submit  to  binding  arbitration  following  lawful  demand,  the  party  so  failing  bears  all  costs  and  expenses 
incurred by the other in compelling arbitration.  

b. Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or 
other proceeding has been previously commenced. NEITHER YOU NOR THE BANK SHALL BE ENTITLED TO JOIN OR CONSOLIDATE DISPUTES BY OR 
AGAINST OTHERS IN ANY ARBITRATION, OR TO INCLUDE IN ANY ARBITRATION ANY DISPUTE AS A REPRESENTATIVE OR MEMBER OF A CLASS, 
OR TO ACT IN ANY ARBITRATION IN THE INTEREST OF THE GENERAL PUBLIC OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Each arbitration, 
including the selection of the arbitrator(s), shall be administered by the American Arbitration Association (AAA), or such other administrator as you and 
the Bank may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the "Arbitration Administrator"), 
according to the Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes ("AAA Rules"). To the extent that there 
is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrator(s) must be members of the 
state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the Dispute. No arbitrator or other party 
to  an  arbitration  proceeding  may  disclose  the  existence,  content,  or  results  thereof,  except  for  disclosures  of  information  by  a  party  required  in  the 
ordinary  course  of  its  business  or  by  applicable  law  or  regulation.  You  and  the  Bank  (the  "Parties")  agree  that  in  this  relationship:  (1)  The  Parties  are 
participating  in  transactions  involving  interstate  commerce;  and  (2)  This  Arbitration  Agreement  and  any  resulting  arbitration  are  governed  by  the 
provisions of the Federal Arbitration Act (Title 9 of the United States Code), and, to the extent any provision of that Act is inapplicable, unenforceable or 
invalid, the laws of the state of South Dakota. If any of the provisions of this Arbitration Agreement dealing with class action, class arbitration, private 
attorney general action, other representative action, joinder, or consolidation is found to be illegal or unenforceable, that invalid provision shall not be 
severable and this entire Arbitration Agreement shall be unenforceable.  

Pg. 5 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
c.  Rights  Preserved.  This  Arbitration  Agreement  does  not  prohibit  the  Parties  from  exercising  any  lawful  rights  or  using  other  available  remedies  to 
preserve,  foreclose,  or  obtain  possession  of  real  or  personal  property;  exercise  self-help  remedies,  including  setoff  and  repossession  rights;  or  obtain 
provisional  or  ancillary  remedies  such  as  injunctive  relief,  attachment,  garnishment,  or  the  appointment  of  a  receiver  by  a  court  of  competent 
jurisdiction.  Any  statute  of  limitations  applicable  to  any  Dispute  applies  to  any  arbitration  between  the  Parties.  The  provisions  of  this  Arbitration 
Agreement shall survive termination, amendment, or expiration of the Card or any other relationship between you and the Bank. 

d. Fees and Expenses of Arbitration. Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by 
applicable law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of 
the state in which you opened your Account limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you 
shall  exceed  this  limitation.  Unless  inconsistent  with  applicable  law,  each  of  us  shall  bear  the  expense  of  our  own  attorney,  expert  and  witness  fees, 
regardless of which of us prevails in the arbitration. 

(32) Your Billing Rights  
Keep This Notice For Future Use. 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  

What To Do If You Find a Mistake on Your Statement  
If you think there is an error on your statement, write to us at:  

Wells Fargo Card Services  
P.O. Box 522  
Des Moines, IA 50306-0522 

In your letter, give us the following information: 
•  Your name and Account number;  
•  The date and dollar amount of the suspected error.  
•  If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake  
You must contact us: 
•  Within 60 days after the error appeared on your statement.  
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
You must notify us of any potential errors in writing at the address above. You may notify us using other means, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question.  

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 
•  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. 

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. 

Pg. 6 

 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
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.  

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

Core 12/11                                                             M-103470 
                                                                              LS 8400 

Pg. 7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Important Terms of Your Credit Card Account 

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

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases and Balance 
Transfers 

APR for Cash Advances and 
Overdraft Protection 
Advances 

Paying Interest 

Prime Rate + 5.9% to Prime Rate + 21.74%, 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% to Prime Rate + 22.74%, 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. 

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

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

Fees 
Annual Fee 
Transaction Fees 

None 

•  Balance Transfers 

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

•  Cash Advances 

•  Overdraft Protection 

Advances 

•  Foreign Currency 

Conversion 

Penalty Fees 

•  Late Payment 

•  Returned Check or 
Returned Payment 

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

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

$12.50 if the total of overdraft protection advances for the day is $50 or less; 
$20 if the total of overdraft protection advances for the day is greater than $50. 

3% of each transaction converted to U.S. dollars 

Up to $35.   

Up to $35.   

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

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

How We Will Calculate Your Variable APRs:   
•  Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your 

variable APR.  For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more 
than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement 
closing date.    

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

Variable Interest Rate Calculation 

Index Rate effective as of 2/4/2012 

3.25% 

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

5.9% -21.74% 

APR for purchases  

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

9.15% - 24.99% 

20.74% -22.74% 

APR for cash advances and overdraft protection advances  

23.99% - 25.99% 

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