PRICING ADDENDUM FOR CREDIT CARD AGREEMENT
As of March 30, 2012

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

U.S. Prime Rate + 24.74%

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

APR for Cash Advances

U.S. Prime Rate + 24.74%

Paying Interest

Minimum Interest Charge

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

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

Fees
Annual Fee
Transaction Fees
•	 Cash Advance

Penalty Fees

None

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

•	 Late Payment
•	 Returned Payment 

Up to $35.00
Up to $35.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $25.00. For any subsequent event 
within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment Due or $35.00.
Daily Periodic Rate: The daily periodic rate used to figure interest for your Account is 0.07668%, which is calculated by dividing the APR by 
365. This daily periodic rate will vary with the market based on the U.S. Prime Rate. See your Agreement for more details.
The information about the cost of credit described in this Agreement is accurate as of April 2012. This information may have changed after 
that date. To find out what may have changed, call us at 1-800-459-8451.

Variable Interest Rate Calculation

Index Rate effective as of 03/30/2012

3.25%

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

24.74%

APR for Purchases and APR for Cash Advances

27.99%

© 2012 Wells Fargo Financial National Bank. All rights reserved.

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3102OAIT2015 1980 (0412)

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 
This  Credit  Card  Agreement  (“Agreement”)  covers  the  use
AGREEMENT. 
of your Credit Card Account (“Account”) with us. It includes the Important 
Terms of Your Credit Card Account. You accept the terms of this Agreement 
by opening or using your Account. If you have a joint Account, each of you 
is bound by this Agreement. Please read this Agreement carefully and save 
it for future reference.
PARTIES  TO  THIS  AGREEMENT.  This  Agreement  is  made  between  Wells
Fargo Financial National Bank, 4455 Spring Mountain Road, Las Vegas, NV 
89102  (“we”, “us”,  and “our”)  and  each  account  holder,  whether  primary  or 
joint (“you” and “your”).
CONTACTING  US.  Unless  stated  otherwise  in  this  Agreement,  you  may
contact us at the phone number or address shown on your statement.

DEFINITIONS.

Billing Cycle

Card

Credit Access Device

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.

Important Terms 
of Your Credit Card 
Account

A summary of your Account’s Annual Percentage 
Rates  (“APRs”),  fees  and  other  important 
information.

Merchant

New Balance

Outstanding Balance

Payment Address

Payment Due Date

Payment Stub

Sales Slip

Any merchant who has a merchant agreement 
with us to participate in this credit card program.

The  Outstanding  Balance  as  of  a  statement 
closing date.

The  sum  of  all  unpaid  amounts,  including 
purchases, cash advances, interest, fees and any 
other amounts that you may owe us.

The address where you mail your payment. It is 
located on your Payment Stub.

The date the Minimum Payment Due is due to 
us. It is shown on your statement.

The  portion  of  your  statement  that  is  to  be 
returned with your payment.

Any  document  that  describes  the  terms  of  a 
purchase on the Account.

OVERVIEW OF ACCOUNT. Your Account may be divided into two or more 
balances. These balances may also be referred to as subaccounts. Different 
terms may apply to different balances.

USING YOUR ACCOUNT. You may use your Account for purchases and cash 
advances:

•	 Purchases.	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). 

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

You promise that you will use your Account only for lawful personal, family or 
household purposes. In addition, we reserve the right to deny transactions or 
authorizations from merchants apparently engaging in the Internet gambling 
business or identifying themselves through the Card transaction record or 
otherwise as engaged in such business. We are not responsible if anyone does 
not allow you to use your Account.

PROMISE TO PAY. When you use your Account, or let someone else use it, 
you promise to pay the total amount of the purchase or cash advance, as well 
as any interest, fees or other amounts that you may owe us. We may limit or 
close your Account, but the terms of this Agreement will apply until you pay 
the Account in full.

CREDIT LIMIT. We may assign the following limit(s) to your Account:

•	 Credit	Limit.	This	is	the	amount	of	credit	we	will	extend	to	your	Account.

•	 Cash	 Advance	 Credit	 Limit.	 This	 is	 a	 portion	 of	 the	 Credit	 Limit	 that	 is	

available for cash advances.

We may notify you of your credit limit(s). You promise to use your Account only 
to the limit(s). If you exceed your limit(s), we may authorize the transaction 
without increasing your limit(s). If you exceed your limit(s), you will remain 
liable  for  all  amounts  payable  under  this  Agreement.  We  can  adjust  your 
limit(s) at any time.

CREDIT ACCESS DEVICE. We may provide you with Credit Access Device(s) 
to access your Account. The related interest and fee terms will be given to you 
when you receive the Credit Access Device(s).

Fees and Interest 

FEES. You agree to pay the following fees. You will find the fee amounts in 
the Important Terms of Your Credit Card Account. These fees will be charged 
to your regular balance unless stated otherwise below.

•	 Late	Payment	Fee.	This	fee	may	be	charged	each	time	we	do	not	receive	the	

Minimum Payment Due by the Payment Due Date.

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

dishonored the first time or is returned unpaid.

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

This fee will be charged to your cash advance balance.

INTEREST RATES. The daily periodic rates and corresponding APRs used to 
figure interest on balances are shown in the Important Terms of Your Credit 
Card Account. The APR for a Billing Cycle is figured by adding 24.74 percentage 
points to the Prime Rate for that Billing Cycle. The daily periodic rate for a 
Billing Cycle is figured by dividing the APR by 365. These rates vary with the 
market based on the Prime Rate.

PRIME RATE. The Prime Rate we use is the U.S. Prime Rate published in the 
Money  Rates  section  of  The  Wall  Street  Journal.  We  select  the  Prime  Rate 
published on the first business day of the month preceding the month of the 
quarterly rate change date. If more than one Prime Rate is published, we will 
use the average of the Prime Rates. If the Prime Rate is no longer published or 
is not available, we may select a similar rate. The APR will increase or decrease 
if  the  Prime  Rate  increases  or  decreases  and  this  will  also  cause  the  daily 
periodic rate to increase or decrease. An increase or decrease in the APR will 
increase or decrease the total amount of interest you pay. It may also increase 
or decrease the Minimum Payment Due. The rate change date for each quarter 
is the first day of the first Billing Cycle beginning on or after January 1, April 
1, July 1, and October 1. 

WHEN WE  CHARGE  INTEREST.  Unless  stated  otherwise  below,  we  begin 
charging interest on a purchase, cash advance or interest charge on the date 
the  purchase,  cash  advance  or  interest  charge  posts  to  your  Account. We 
begin charging interest on a fee on the first day of the Billing Cycle following 
the Billing Cycle in which the fee posts to your Account. However, if a late 
payment  fee  is  posted  to  your  Account  in  the  current  Billing  Cycle,  but  is 
related to a late payment in the prior Billing Cycle, we will begin charging 
interest on the fee on the first day of the current Billing Cycle. 

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HOW  TO  AVOID  PAYING  INTEREST  ON  PURCHASES.  Unless  described
differently in the Special Interest Terms section below, you can avoid interest 
on any portion of a purchase balance shown on your current statement that 
you pay by the Payment Due Date if the balance shown on your previous
statement was zero or was paid in full by the Payment Due Date. You cannot 
avoid interest on cash advances.

HOW WE CALCULATE INTEREST—AVERAGE DAILY BALANCE METHOD
(INCLUDING  NEW  PURCHASES).  The  total  interest  charge  is  the  sum  of
interest charges (excluding deferred interest charges) for each type of balance 
on  your  Account  (e.g.  regular,  cash  advance,  each  special  terms  balance).
We figure the interest charge for each type of balance on your Account by
applying the daily periodic rate to the average daily balance (“ADB”). Then,
we multiply this amount by the number of days in the Billing Cycle.

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

ADBs  for  each  type  of  balance  are  calculated  separately,  starting  with  the
beginning  balance  on  the  first  day  of  each  Billing  Cycle.  The  beginning
balance on the first day of the Billing Cycle includes the following:

•	 The	 prior	 Billing	 Cycle’s	 ending	 balance,	 which	 includes	 any	 unpaid	 fees	

posted to your Account in the prior Billing Cycle. 

•	 Any	late	payment	fees	posted	in	the	current	Billing	Cycle	that	are	related	to	

a late payment in the prior Billing Cycle. 

To get the ADB for each type of balance, we take the beginning balance each 
day and add any new purchases and cash advances. Except for the first day
of  each  Billing  Cycle,  we  add  interest  equal  to  the  previous  day’s  balance
multiplied  by  the  daily  periodic  rate.  (This  means  interest  is  compounded
daily.)  Then,  we  subtract  any  payments  or  credits.  This  gives  us  the  daily
balance. Any daily balance that is a credit balance will be treated as zero. Then, 
we add up all the daily balances for the Billing Cycle. We divide this amount
by the number of days in the Billing Cycle. This gives us the ADB.

ADB = sum of daily balances ÷ number of days in the Billing Cycle.

MINIMUM INTEREST CHARGE. If you are charged interest in a Billing Cycle, 
the charge will be no less than $1.00.

Payments 

MINIMUM PAYMENT DUE. You promise to pay the Minimum Payment Due 
by the Payment Due Date. The Minimum Payment Due is the sum of:

•	 Any	past	due	amounts;	plus

•	 The	 payment	 for	 Regular	 Payment	 Terms	 (see	 Regular	 Payment	 Terms	

below);	plus	

•	 The	payment(s)	for	any	balances	with	Payment	in	Full/’Equal	Payments’	or	

Custom Payments (see Special Payment Terms below).

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

REGULAR PAYMENT TERMS. All balances will have Regular Payment Terms 
unless a Sales Slip shows that Payment in Full/’Equal Payments’ or Custom 
Payments  apply.  We  combine  balances  with  Regular  Payment  Terms  (the 
“Combined  Balance”)  to  figure  the  payment  for  these  balances.  A  new 
Combined  Balance  is  figured  on  the  first  statement  closing  date  after  any 
balance with Regular Payment Terms is established. The Combined Balance 
does not change unless balances with Regular Payment Terms increase above 
the current Combined Balance.

The payment for balances with Regular Payment Terms will be the greater of:

•	 $35.00	(or	the	sum	of	balances	with	Regular	Payment	Terms	if	it	is	less	than	

$35.00);	or

•	 3.5%	of	the	Combined	Balance;	or

•	 The	sum	of	interest	charges	for	balances	with	Regular	Payment	Terms,	fees	
assessed during the current Billing Cycle, and 1% of the Combined Balance.

PAYMENT  INSTRUCTIONS.  Follow  these  instructions  when  making  a 
payment:

•	 Make	your	payment	in	U.S.	dollars,	but	do	not	send	cash.

•	 If	 you	 make	 a	 payment	 by	 mail,	 please	 include	 the	 Payment	 Stub	 with	
your  payment.  Use  the  envelope  enclosed  with  your  statement  to  mail 
both documents to the Payment Address. Payments received by 5:00 p.m. 
local time at the Payment Address will be credited as of the date of receipt. 
Payments received after the 5:00 p.m. cut-off time will be credited as of the 
next day. 

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

If you do not follow these instructions, your payments may not receive credit 
for up to five days after we receive it. 

IRREGULAR  PAYMENTS.  We  may  accept  late  payments,  partial  payments 
or payments that reflect “paid in full” (or other restrictive language), without 
losing our rights to receive full payment. If you intend to claim to pay your 
Account in full with an amount less than the Outstanding Balance, payments 
must be sent to us at Wells Fargo Financial National Bank, P.O. Box 14453, Des 
Moines, IA 50306.

APPLICATION OF PAYMENTS. We apply payment amounts equal to or less 
than the Minimum Payment Due at our discretion. We apply any payment 
amounts in excess of the Minimum Payment Due as follows:

•	 First,	to	balances	with	No	Interest	Option	terms	during	the	two	full	Billing	
Cycles  immediately  preceding  expiration  of  the  special  terms  period. 
Otherwise, for purposes of this section only, these balances are considered 
to	have	an	APR	of	0%;

•	 Then	to	balances	with	higher	APRs	before	lower	APRs.

Any payment in excess of the Minimum Payment Due is applied based on the 
balances reflected on your last statement. We post payments in the Billing 
Cycle they are received.

Other Information 

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

PHONE MONITORING. We may monitor and record your phone calls with us 
to assure the quality of our service.

LOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You 
agree to contact us immediately if your Card is lost or stolen or if you believe 
your Account is being used without your permission. You may contact us at: 
1-800-459-8451 or P.O. Box 10475, Des Moines, IA 50306. You agree to assist 
us in our investigation of the matter. If you do this, you will not be held liable 
for the unauthorized use of your Account.

DEFAULT. Your Account will be in default if any of the following occur:

•	 You	fail	to	pay	the	Minimum	Payment	Due	by	the	Payment	Due	Date.

•	 Any	payment	is	dishonored.

•	 You	violate	the	terms	of	this	Agreement.

•	 You	made	an	untrue	statement	on	your	application.

•	 You	file	for	bankruptcy.

If your Account is in default, our rights include, but are not limited to, refusing 
to  authorize  further  transactions,  closing  your  Account,  and  requiring  the 
immediate payment of the Outstanding Balance. If your Account is in default, 
you also agree to pay our collection costs, attorney’s fees, and court costs.

GOVERNING LAW. This Agreement is governed by federal law and to the 
extent applicable, Nevada law, no matter where you live or use your Account.

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

ENFORCING THIS AGREEMENT. We may waive or delay enforcing any of our 
rights without losing them. We may waive or delay enforcing a right against 
one of you without waiving it as to the other.

SEPARATION  OF  UNLAWFUL  PROVISIONS.  If  any  provision  of  this 
Agreement is determined to be unlawful, the rest of the Agreement will stand 
and the unlawful provision will be deemed amended to conform to law.

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3102OAIT2015 1980 (0412)

 
 
 
 
 
 
 
 
 
 
 
 
 
 
DISCLOSURE  OF  PERSONAL  INFORMATION—CONSENT.  We  may  share 
your  personal  information  with  Merchants,  their  affiliates  and  program 
sponsors  (“sponsors”).  A  sponsor  is  a  franchisor,  manufacturer,  distributor 
of goods or an association of retail sellers. Sponsors have an arrangement 
with us to make this credit card program available to Merchants associated 
with the sponsor. They may use this information to offer our products and 
services to you.  Since the main way you use our products and services is to 
finance the purchase of goods and services from Merchants, those goods and 
services may be mentioned in connection with the offering of our products 
and  services  to  you.  You  consent  to  this  sharing  and  use  of  information. 
We may also share Account information with nonaffiliated third parties as 
permitted by law.

CREDIT  INFORMATION  AND  CREDIT  REPORTING.  You  promise  that  any 
information  you  give  to  us  in  connection  with  your  Account  is  true  and 
complete. You  understand  that  we  rely  on  this  information  to  open  your 
Account and extend credit to you. You authorize us to investigate your credit, 
employment, assets, and income records and to verify your credit references. 
You also authorize us to obtain credit reports on you from time to time. We may 
report information regarding your Account to consumer reporting agencies.

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

SECURITY  INTEREST.  You  grant  us  a  purchase-money  security  interest 
under  the  Uniform  Commercial  Code  in  the  merchandise  purchased  on 
your  Account.  We  will  retain  the  purchase-money  security  interest  until 
such merchandise is 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 Option 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	 Option.	 This	 means	 we	 calculate	 interest	 on	 the	 purchase	
balance. This amount is called the deferred interest charge. The deferred 
interest charge will not be added to the balance unless you do not pay the 
balance in full by the end of the special terms period. You may avoid interest 
on the balance by paying it in full before the end of the special terms period.

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

figure interest on the purchase balance.

SPECIAL PAYMENT TERMS. A Sales Slip may indicate that one or more of the 
following special payment terms applies.

•	 Payment	in	Full/’Equal	Payments’.	This	means	the	payment	is	the	amount	
required to pay the initial purchase balance shown on your statement in 
full during the special terms period. Because of rounding, the final payment 
could be less than other payments.

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

Interpreter Certification 
INTERPRETER  CERTIFICATION.  THIS  CERTIFICATION  APPLIES  IF YOU  CHOSE 
TO  DISCUSS WITH  US  OR THE  MERCHANT THE TERMS  AND  CONDITIONS  OF 
YOUR  ACCOUNT  IN  SPANISH,  CHINESE,  KOREAN, VIETNAMESE,  OR TAGALOG. 
By signing the credit card application, using or otherwise accepting the Card 
or related Account issued to you, you certify to Wells Fargo Financial National 
Bank (us) that: (1) You have received and discussed this Agreement with your 
interpreter and that you and your interpreter have been given an opportunity 
to  discuss  and  negotiate  with  us  or  the  Merchant  the  terms  and  conditions 
contained	in	these	enclosed	documents;	(2)	Your	interpreter	is	at	least	18	years	
old and is fluent both in English and in the language in which you chose to 
discuss with us or the Merchant the terms and conditions of your Account, and 
is	not	employed	by	or	made	available	through	the	Merchant;	(3)	You	understand	
and agree to the terms and conditions contained in these enclosed documents 
as written.
CERTIFICACIÓN DEL INTÉRPRETE. ESTA CERTIFICACIÓN ES DE APLICACIÓN SI 
USTED ELIGE DISCUTIR CON NOSOTROS O EL COMERCIANTE LOS TÉRMINOS Y 
CONDICIONES DE SU CUENTA EN ESPAÑOL. Al firmar la solicitud de tarjeta de 
crédito, utilizar o de otra manera aceptar la tarjeta o cuenta relacionada que 
le  hayamos  emitido,  usted  certifica  ante Wells  Fargo  Financial  National  Bank 
(nosotros) que: (1) usted ha recibido y discutido este acuerdo con su intérprete y 
se le ha otorgado a usted y a su intérprete la oportunidad de discutir y negociar 
con nosotros o el Comerciante los términos y condiciones contenidos en estos 
documentos	adjuntos;	(2)	su	intérprete	tiene	por	lo	menos	18	años	de	edad	y	
domina con fluidez tanto el idioma inglés como el idioma en el cual usted decide 
discutir con nosotros o el Comerciante los términos y condiciones de su cuenta, 
y	no	está	empleado	o	ha	sido	facilitado	por	el	Comerciante;	(3)	usted	comprende	
y  conviene  en  los  términos  y  condiciones  contenidos  en  estos  documentos 
adjuntos, según están escritos.
傳譯員確認書。如果您選擇用中文和我們或商家討論有關您的帳戶的條款
和條件，本確認書適用。  如果您簽署信用卡申請書、使用或以其他方式接
受富國銀行（Wells Fargo Financial National Bank，「我們」）核發給您的卡
或相關帳戶，您即向我們確認：(1) 您已經收到並與您的傳譯員討論過本協
議，而且您及您的傳譯員已有機會與我們或商家討論、協商本文件中包含
的條款及條件。(2)  您的傳譯員至少年滿18歲，並能夠流利使用英文和中文
（您選擇用中文與我們或商家討論您帳戶的條款及條件），且該傳譯員並
非商家僱員，亦非經由商家安排。(3) 您理解並同意本文件中包含的現有書
面條款與條件。
통역사 인증. 귀하의 계좌 이용약관에 대해 저희 또는 가맹점과 한국어로 
논의할  것을  선택하셨다면  이  인증이  적용될  것입니다.  카드  신청서에 
서명하거나,  귀하에게  발행된  카드  혹은  관련  계좌를  사용하거나 
수락함으로써  귀하는  Wells  Fargo  Financial  National  Bank(저희)에 
다음에  명시된  사항을  보증하시게  됩니다.  (1)  귀하는  귀하의  통역사와 
함께 이 동의서를 받고 검토하였으며, 귀하와 귀하의 통역사에게 이 동봉된 
서류들의 약정에 대해 저희 또는 가맹점과 논의하고 검토할 수 있는 기회를 
드렸습니다. (2) 귀하의 통역사는 18 세 이상이며, 영어와 귀하가 저희 또는 
가맹점과 귀하의 이용약관에 대해 논의할 언어로 선택한 한국어에 모두 
능통하며, 가맹점에서 또는 가맹점을 통해 고용하지 않았습니다. (3) 귀하는 
이 동봉된 서류들에 기재된 이용약관을 이해하며 그 내용에 동의합니다.
CHỨNG NHẬN THÔNG DỊCH VIÊN. SỰ CHỨNG NHẬN NÀY ÁP DỤNG 
NẾU QUÝ VỊ ĐÃ QUYẾT ĐỊNH BÀN THẢO VỚI CHÚNG TÔI HAY NGƯỜI 
BÁN HÀNG VỀ CÁC ĐIỀU KIỆN VÀ ĐIỀU KHOẢN CỦA TRƯƠNG MỤC 
BẰNG TIẾNG VIỆT. Khi ký tên vào đơn xin thẻ tín dụng hoặc sử dụng hay chấp 
thuận Thẻ hoặc Trương Mục liên quan được cấp cho quý vị, quý vị chứng nhận với 
Wells Fargo Financial National Bank (chúng tôi) rằng: (1) Quý vị đã nhận được và 
bàn thảo bản Thỏa Thuận này với thông dịch viên của quý vị, và quý vị và người 
này đã có cơ hội bàn thảo và thương lượng với chúng tôi hay Người Bán Hàng về 
các điều khoản và điều kiện trong những văn kiện đính kèm này. (2) Thông dịch 
viên của quý vị đã ít nhất 18 tuổi và thông thạo cả Anh ngữ và ngôn ngữ mà quý 
vị chọn để thảo luận với chúng tôi hay Người Bán Hàng về các điều khoản và điều 
kiện của Trương Mục của quý vị. Thông dịch viên cũng không phải là nhân viên của 
Người Bán Hàng hoặc do Người Bán Hàng cung cấp cho quý vị. (3) Quý vị hiểu và 
đồng ý với các điều khoản và điều kiện chứa trong những văn kiện đính kèm này.
SERTIPIKO NG TAGAPAGSALING-WIKA. ANG KATIBAYANG ITO AY MALALAPAT 
KAPAG NAGPASIYA KAYONG MAKIPAG-USAP SA AMIN O SA MANGANGALAKAL 
UKOL SA MGA TAKDA AT KONDISYON NG INYONG ACCOUNT SA TAGALOG. Sa 
pagpirma ng aplikasyon para sa credit card, paggamit o kaya’y sa pagtanggap 
ng  Card  o  kaugnay  na  Account  na  ibinigay  sa  inyo,  pinapatunayan  ninyo 
sa  Wells  Fargo  Financial  National  Bank  (kami)  na:  (1)  Natanggap  at  napag-
usapan ninyo ng inyong tagapagsaling-wika ang Kasunduang ito at kayo ng 
inyong  tagapagsaling-wika  ay  nabigyan  ng  pagkakataon  na  makipag-usap 
at  makipagkasundo  sa  amin  o  sa  Mangangalakal  tungkol  sa  mga  takda  at 
kondisyon	 na	 nilalaman	 ng	 mga	 nakalakip	 na	 dokumentong	 ito;	 (2)	 Ang	
inyong tagapagsaling-wika ay hindi kukulangin sa 18 taong gulang at matatas 
sa Ingles at wikang Tagalog na pinili ninyo upang makipag-usap sa amin o sa 
Mangangalakal tungkol sa mga takda at kondisyon ng inyong Account, at hindi 
siya	tauhan	ng	Mangangalakal	o	nakuha	sa	pamamagitan	ng	Mangangalakal;	
(3) Naiintindihan ninyo at sumasang-ayon kayo sa mga takda at kondisyon na 
nilalaman ng mga nakalakip na dokumentong ito.

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What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1.  Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error.
2.  Within 90 days of receiving your letter, we must either correct the error or 

explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:
•	 We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount.

•	 The  charge  in  question  may  remain  on  your  statement,  and  we  may 

continue to charge you interest on that amount.

•	 While you do not have to pay the amount in question, you are responsible 

for the remainder of your balance.

•	 We can apply any unpaid amount against your credit limit.
After We Finish Our Investigation, One Of Two Things Will Happen
•	

If we made a mistake: You will not have to pay the amount in question or 
any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount 
in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may 
then  report  you  as  delinquent  if  you  do  not  pay  the  amount  we  think 
you owe.

•	

If you receive our explanation but still believe your bill is wrong, you must 
write  to  us  within  10 days  telling  us  that  you  still  refuse  to  pay.  If  you  do 
so,  we  cannot  report  you  as  delinquent  without  also  reporting  that  you 
are questioning your bill. We must tell you the name of anyone to whom 
we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 
of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased 
with your credit card, and you have tried in good faith to correct the problem 
with the merchant, you may have the right not to pay the remaining amount 
due on the purchase. 
To use this right, all of the following must be true:
1.  The  purchase  must  have  been  made  in  your  home  state  or  within  100 
miles  of  your  current  mailing  address,  and  the  purchase  price  must 
have been more than $50. (Note: Neither of these are necessary if your 
purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.)

2.  You must have used your credit card for the purchase. Purchases made 
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your 
Credit Card Account do not qualify.

3.  You must not yet have fully paid for the purchase.
If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase, contact us in writing at:
Wells Fargo Financial National Bank
P.O. Box 10475
Des Moines, IA 50306
While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, 
we may report you as delinquent.

Notices 
IN CA: A married applicant may apply for a separate account. After credit 
approval, each applicant will have the right to use this Account to the extent 
of any limit set by us, and may be liable for all amounts extended under this 
Account to any joint applicant.
IN CO: Colorado law requires us to offer you the option of signing a prior 
consent form. The signed prior consent permits us to release records of your 
accounts to the county department of social services or local law enforcement 
for the purpose of investigating known or suspected financial exploitation. If 
you are interested in receiving a copy of the form, please contact our customer 
service department at 1-855-412-2787 Monday through Friday, 8:00 a.m. – 
6:00 p.m. Central Time.
IN  NY:  A  consumer  report  may  be  requested  in  connection  with  this 
application or any update, renewal or extension of any credit granted as a 
result of this application. You will be informed upon request whether a report 
was requested and the name and address of the consumer reporting agency 
that furnished the report.
IN  OH:  The  Ohio  laws  against  discrimination  require  that  all  creditors 
make credit equally available to all creditworthy customers, and that credit 
reporting  agencies  maintain  separate  credit  histories  on  each  individual 
upon  request.  The  Ohio  Civil  Rights  Commission  administers  compliance 
with this law.
IN WI: No provision of a marital property agreement (including a Statutory 
Individual Property Agreement pursuant to Sec. 766.587, Wis. Stat.), unilateral 
statement  classifying  income  from  separate  property  under  Sec.  766.59, 
or  court  decree  under  Sec.  766.70  adversely  affects  the  creditor  unless 
the  creditor  is  furnished  with  a  copy  of  the  document  prior  to  the  credit 
transaction or has actual knowledge of its adverse provisions at the time the 
obligation is incurred.
Notice to Cardholders 
1.  Do not sign this Agreement before you read it or if it contains any 

blank space.

2.  You are entitled to a completely filled in copy of this Agreement.
3.  You may at any time pay your total indebtedness.
4.  The  Merchant  has  no  right  to  enter  unlawfully  your  premises  or 
commit  any  breach  of  the  peace  to  repossess  goods  purchased 
under this Agreement.

5.  You may cancel a transaction if it has not been signed at the main 
office  or  branch  office  of  the  Merchant,  provided  you  notify  the 
Merchant  not  later  than  midnight  of  the  third  business  day  (fifth 
business day in Alaska, fifteenth business day in North Dakota if you 
are 65 or older) after the day of the transaction (or, in Utah, after the 
day of the transaction or receipt of the product, whichever is later). 
If  applicable,  see  the  Notice  of  Cancellation  for  an  explanation  of 
buyer’s rights. 

Your Billing Rights: Keep This Document For Future Use 
This notice tells you about your rights and our responsibilities under the Fair 
Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Wells Fargo Financial National Bank
P.O. Box 10475
Des Moines, IA 50306
In your letter, give us the following information:
•	 Account information: Your name and account number.
•	 Dollar amount: The dollar amount of the suspected error.
•	 Description of problem: If you think there is an error on your bill, describe 

what you believe is wrong and why you believe it is a mistake.

You must contact us:
•	 Within 60 days after the error appeared on your statement.
•	 At least 3 business days before an automated payment is scheduled, if 

you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if 
you do we are not required to investigate any potential errors and you may 
have to pay the amount in question.

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Important Terms of Your Credit Card Account
New York residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods. New 
York State Banking Department 1-877-BANK-NYS (1-877-226-5697)

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

0.00%	Introductory	APR	until	January	1,	2015	on	qualifying	purchase(s);

after that your APR will be 27.99%. This APR will vary with the market based on the U.S. Prime Rate.
The regular APR for Purchases will be 27.99%. This APR will vary with the market based on the U.S. 
Prime Rate.

APR for Cash Advances

27.99%

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

Paying Interest

Minimum Interest Charge
For Credit Card Tips from
the Federal Reserve Board

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

Fees
Annual Fee
Transaction Fees
•	 Cash Advance

Penalty Fees

None

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

•	 Late Payment
•	 Returned Payment 

Up to $35.00
Up to $35.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $25.00. For any subsequent event 
within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment Due or $35.00.
Daily Periodic Rate: The daily periodic rate used to figure interest for your Account is 0.07668%, which is calculated by dividing the APR by 
365. This daily periodic rate will vary with the market based on the U.S. Prime Rate. See your Agreement for more details.
The information about the cost of credit described in this Agreement is accurate as of April 2012. This information may have changed after 
that date. To find out what may have changed, call us at 1-800-459-8451.

ARBITRATION AGREEMENT
Binding Arbitration. You and Wells Fargo Financial National Bank (the “Bank”), including the Bank’s assignees, agents, employees, officers, directors, shareholders, 
parent companies, subsidiaries, affiliates, predecessors and successors, agree that if a Dispute (as defined below) arises between you and the Bank, upon demand 
by  either  you  or  the  Bank,  the  Dispute  shall  be  resolved  by  the  following  arbitration  process.  However,  the  Bank  shall  not  initiate  an  arbitration  to  collect  a 
consumer debt, but reserves the right to arbitrate all other disputes with its consumer customers. A “Dispute” is any unresolved disagreement between you and 
the Bank. It includes any disagreement relating in any way to your Credit Card Account (“Account”) or related services. It includes claims based on broken promises 
or contracts, torts, or other wrongful actions. It also includes statutory, common law and equitable claims. A Dispute also includes any disagreements about the 
meaning or application of this Arbitration Agreement. This Arbitration Agreement shall survive the payment or closure of your Account. You understand and 
agree that you and the Bank are waiving the right to a jury trial or trial before a judge in a public court. As the sole exception to this Arbitration Agreement, 
you and the Bank retain the right to pursue in small claims court any Dispute that is within that court’s jurisdiction. If either you or the Bank fails to submit to 
binding arbitration following lawful demand, the party so failing bears all costs and expenses incurred by the other in compelling arbitration.
Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or other 
proceeding has been previously commenced. Neither you nor the Bank shall be entitled to join or consolidate disputes by or against others in any arbitration, 
or to include in any arbitration any dispute as a representative or member of a class, or to act in a private attorney general capacity. Each arbitration, 
including the selection of the arbitrator(s) shall be administered by the American Arbitration Association (AAA), or such other administrator as you and the Bank 
may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the “Arbitration Administrator”), according to the 
Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes (“AAA Rules”). To the extent that there is any variance between 
the AAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrator(s) must be members of the state bar where the arbitration 
is  held,  with  expertise  in  the  substantive  laws  applicable  to  the  subject  matter  of  the  Dispute.  No  arbitrator  or  other  party  to  an  arbitration  proceeding  may 
disclose the existence, content or results thereof, except for disclosures of information by a party required in the ordinary course of its business or by applicable 
law	or	regulation.	You	and	the	Bank	(the	“Parties”)	agree	that	in	this	relationship:	(1)	The	Parties	are	participating	in	transactions	involving	interstate	commerce;	
and (2) This Arbitration Agreement and any resulting arbitration are governed by the provisions of the Federal Arbitration Act (Title 9 of the United States Code), 
and, to the extent any provision of that Act is inapplicable, unenforceable or invalid, the laws of the state of Nevada. If any of the provisions of this Arbitration 
Agreement dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be illegal 
or unenforceable, that invalid provision shall not be severable and this entire Arbitration Agreement shall be unenforceable.
Rights  Preserved.  This  Arbitration  Agreement  does  not  prohibit  the  Parties  from  exercising  any  lawful  rights  or  using  other  available  remedies  to  preserve, 
foreclose	or	obtain	possession	of	real	or	personal	property;	exercise	self-help	remedies,	including	setoff	and	repossession	rights;	or	obtain	provisional	or	ancillary	
remedies  such  as  injunctive  relief,  attachment,  garnishment  or  the  appointment  of  a  receiver  by  a  court  of  competent  jurisdiction.  Any  statute  of  limitations 
applicable to any Dispute applies to any arbitration between the Parties. The provisions of this Arbitration Agreement shall survive termination, amendment or 
expiration of the Account or any other relationship between you and the Bank.
Fees and Expenses of Arbitration. Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable 
law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the state in which you 
opened your Account limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall exceed this limitation. Unless 
inconsistent with applicable law, each of us shall bear the expense of our own attorney, expert and witness fees, regardless of which of us prevails in the arbitration.
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