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CONSUMER CREDIT CARD 
CUSTOMER AGREEMENT & 
DISCLOSURE STATEMENT 
VISA® 

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:

Active Duty Military Service:

Interpreter Certification:

Section 1

Section 4

Section 10

Section 11

Section 19

Section 21

Section 31

Section 32

Section 33

Section 34

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 34 about interpreter certification before you activate your credit card. 

Lea  la  Sección  34  sobre  certificación  de  intérprete  antes  de  activar  su  tarjeta  de 
crédito. 
請您在啓用信用卡之前細讀第 34 節的「翻譯員認證」。 
귀하의 신용카드를 활성화하시기 전에 통역사 인증에 관한 34절을 읽으시기 바랍니다. 
Hãy đọc Phần 34 về xác nhận thông dịch viên trước khi quý vị kích hoạt thẻ tín dụng của mình. 
Basahin  ang  Seksyon  34  tungkol  sa  sertipikasyon  ng  tagapagsaling-wika  bago  mo 
i-activate ang iyong credit card. 

Your Contract With Us 
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(1) Agreement. This contract for your credit card account ("Account") includes the Credit Card 
Agreement  ("Agreement"),  the  Important  Terms  of  Your  Credit  Card  Account  and  future 
amendments  to  this  Agreement.  This  Agreement  is  a  contract  between  Wells  Fargo  Bank,  N.A. 
and each Account holder. You and any joint Account holder accept the terms of this Agreement 
by  using  or  activating  your  Account.  Please  read  this  Agreement  carefully  and  keep  it  for  your 
records. 
(2) Definitions 

Annual Percentage Rate 
(APR) 

A rate, shown as a percentage, used to calculate interest on the 
balance on your Account. 

Billing Cycle or 
BillingPeriod 

Balance Transfer

Card

The time period between billing statements. Each billing 
statement shows a statement closing date which is the last day of 
the Billing Cycle. 

The transfer of a balance from another credit account to your 
Account, including the use of a check that accesses your Account. 

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Cash Advance

Credit Access Device

Important Terms of 
Your Credit Card 
Account 

Any cards we issue to you or any devices we allow you use to 
access credit on your Account. 

Use of your Card to get cash. Examples include using your card 
for cash advances through an ATM, bank teller or Wells Fargo 
Online, Overdraft Protection advances, balance transfers, or cash-
like purchases 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, like SUPERCHECKS™ and mobile 
devices, that we allow you to use to access credit on your 
Account. 

A summary of your Account's APRs, fees and other important 
information. 

New Balance

The total amount you owe as of a statement closing date. 

Outstanding Balance

PaymentDue Date

Purchase

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. It will be at least 25 days 
from the statement closing date and will be provided on your 
billing statement. 

Use of your Account to buy or lease goods or services. Cash 
Advances, Balance Transfers and cash-like transactions are not 
Purchases. Tax payments and associated fees are Purchases. 

Credit Limit

This is the amount that is available for your use. 

We, Us, and Our

Wells Fargo Bank, N.A. 

You and Your

The Account holder(s) who opened the Account. 

(3)  Contacting  You.  You  agree  that  we  have  your  consent  to  contact  you  at  any  phone 
number,  email  address,  or  mailing  address  you  provide  for  any  Wells  Fargo  account  or  at  any 
number  that  you  call  us  from  or  at  any  number  that  we  obtain  by  other  means.  Your  consent 
allows us and any companies working on our behalf to service your account, to use any means to 
contact  you  including:  automated  dialing  devices,  prerecorded/artificial  voice  messages,  mail, 
e-mail, text messages, push notifications, and calls to your cell phone, or any other data or voice 
transmission technology. You are responsible for any service provider charges you may incur as 
a  result  of  us  contacting  you  by  any  means,  whether  such  charges  are  related  to  text,  data, 
equipment  or  other  plans.  You  will  promptly  notify  us  if  you  change  any  contact  information, 
including 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.  We  may  use  voice 
recognition  technology  to  verify  your  identity  when  you  call.  We  may  capture  and  store  your 
voiceprint for this purpose. We may monitor and record any calls between you and us. 
Back to top ▲

Using Your Account 

(4)  Using  Your  Account.  You  may  use  your  consumer  credit  card  Account  for  Purchases, 
Balance Transfers, Cash Advances and any other transactions we allow. You promise to use your 
Account  only  for  lawful  personal,  family,  or  household  purposes.  We  reserve  the  right  to  deny 
transactions  or  authorizations  from  merchants  who  may  be  engaging  in  the  internet  gambling 
business. We are not responsible for anyone who refuses to accept your Card or any other Credit

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Access Device. We may decline any transaction at any time. Your credit card may not be used to 
make a payment on any other Wells Fargo credit account. 

Cash  Advances  from  ATMs.  Cash  Advances  from  ATMs  may  be  limited  by  amount  or 
frequency. The ATM owner may have additional restrictions. If the ATM owner charges any fee, 
that fee will be included as part of the total Cash Advance amount. 

Cash Advances for Overdraft Protection. You may elect to have an automatic Cash Advance 
from your Account to cover an overdraft on a linked Wells Fargo checking account. To cover an 
overdraft on a linked Wells Fargo checking account, we will advance the greater of 

•  the amount of your overdraft; or 
•  $25.00 
Except if 
•  the amount of available credit on your Card is less than the amount of the overdraft or less 

than $25.00, we will then advance the amount of available credit. 

The APR and fees that apply to overdraft protection advances are listed in the Important Terms 
of  Your  Credit  Card  Account.  Overdraft  protection  advances,  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 your overdraft protection service at any time, 
for any reason. 

Credit Access Devices.  SUPERCHECKS can be used to access your Account similar to writing a 
check on a deposit account. SUPERCHECKS checks will post as a balance transfer only when they 
are  included  with  a  Balance  Transfer  offer.  If  a  SUPERCHECKS  check  is  not  included  with  a 
Balance  Transfer  offer  it  will  post  as  a  Cash  Advance.  They  will  include  transaction  fees  and 
interest. 

Some restrictions apply to SUPERCHECKS: 

•  They may not be written as payment on any Wells Fargo account. 
•  They may be used only by the person whose name is printed on the check. 
•  They must be written in U.S. dollars. 
•  They cannot be certified. 
•  You  cannot  file  a  claim  against  the  bank  when  you  have  a  dispute  with  a  merchant  about 

payment for property or services that you paid for using a SUPERCHECKS check. 

•  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. 

Third Party/Mobile Devices. 

You  or  an  authorized  user  may  be  permitted  to  load  your  credit  card  to  an  app  on  a  smart 
phone, tablet or other electronic device, such as, through a mobile wallet, which could be used 
for  purchases  or  other  transactions  without  presenting  the  card.  Any  such  Transactions  are 
covered  by  this  Agreement.  We  have  no  control  over  the  device  and  cannot  guarantee  the 
performance of the device. 

Additionally:

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•  You should protect the security of the device the same as your credit card or other valuable 

information. 

•  There  may  be  third  party  fees  related  to  the  transaction  such  as  mobile  carrier  data  or 

messaging charges. 

•  We  may,  at  any  time,  partially  or  fully  restrict  your  ability  to  make  credit  transactions 
through a third party/mobile device. You agree to notify us promptly if you remove or want 
to remove your Account information from any third party/mobile device. 

(5) 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. 

Ending  Authorized  User  Privileges.  If you  want to  end  an  authorized user's privilege  to  use 
your Account, you must: 

•  Recover and destroy that person's Card. If you do not, you will continue to be liable for any 
charges made, even if you've advised us of your wish to cancel the privileges, unless you tell 
us to cancel all Cards and establish a new Account for you. 

•  You must notify us of your request by contacting us at the number on the back of your Card 

or by mail at Wells Fargo Bank, N.A., P.O. Box 10347, Des Moines, IA 50306. 

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.  In 
the  event  of  the  death  of  all  fully  liable  cardholders,  authorized  users'  privilege  ends 
automatically. After that, if any person uses the Card, such use indicates his or her agreement to 
pay  us,  and  we  may,  at  our  discretion,  pursue  the  person  for  payment  of  any  Outstanding 
Balance  or  any  other  charges  they  authorize.  You  agree  to  notify  each  authorized  person  that 
they are subject to all applicable sections of this Agreement. 

Information about Authorized Users. You agree to give us certain personal information about 
each Authorized User. You must have permission from each Authorized User allowing you to give 
us  that  personal  information.  This  may  include  name,  address,  social  security  number,  date  of 
birth and citizenship. 

(6)  Lost  or  Stolen  Cards  and  Liability  for  Unauthorized  Use.  You  must  notify  us 
immediately if your Card or account information is lost or stolen, or if you believe it's being used 
without  your  permission.  You  may  contact  us  by  phone  at  800-642-4720  or  in  writing  at  Wells 
Fargo  Card  Services,  PO  Box  10347,  Des  Moines,  IA  50306.  You  agree  to  assist  us  in  our 
investigation of the matter. If you do this and we find you not responsible, you will not be held 
liable for the unauthorized use of your Account. 

(7) 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. 

(8) Credit Limit.  We may assign the following limits to your Account: 
Cash Advance Limit. We may restrict the amount of your credit limit that can be used for Cash 
Advances. 
Your  total  credit  limit  will  be  provided  with  your  Credit  Card  and  shows  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  allow  the  transaction  without  increasing  your  total  credit  limit  or  deny  the 
transaction.  If  we  allow  the  transaction,  we  may  treat  that  over  limit  amount  as  due  with  the 
minimum payment on your next  statement. If you  exceed  the limits, you will still remain liable 
for all credit you receive. We can adjust your credit limit at any time, including automatic credit 
line increases for those who qualify.

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(9) Authorizations.  We don't guarantee approval of transactions. We reserve the right to deny 
transactions  for  any  reason,  such  as  account  default,  suspected  fraudulent  or  unlawful  activity, 
internet  gambling,  or  any  indication  of  increased  risk  related  to  the  transaction.  We  also  may 
limit the number of authorizations we allow during a period of time. 

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.  This  will  make  less  credit  available  on  your  Account  for  several  days,  usually  until  the 
date the actual Purchase amount is received from the merchant. 

If  you  give  your  credit  card  information  to  a  merchant  to  bill  your  account  for  recurring 
payments,  or  to  keep  it  on  file  for  future  purchases  or  payments,  and  your  card  number, 
expiration  date,  or  security  code  changes,  you  should  notify  the  merchant  with  your  new  card 
information. Some card networks provide update services and receive updated card information 
from  Wells  Fargo.  Merchants  that  participate  in  such  services  will  receive  updated  card 
information  from  the  network  for  credit  cards  that  you  have  provided  to  the  merchant  for 
recurring  or  future  purchases  or  payments.   We  cannot  tell  you  which  merchant  will  receive 
updated card information when your card information changes. You should always provide each 
merchant  with  your  new  card  information  because  some  merchants  do  not  subscribe  to  such 
network services. 

Changes To This Agreement 

(10) 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. 
Back to top ▲

Fees And Interest 

(11)  Fees.   The  following  fees  may  apply  to  your  account.  If  they  do  apply,  you  will  find  the 
amount  in  the  Important  Terms  of  Your  Credit  Card  Account.  You  agree  to  pay  any  fees  that 
apply. 

•  Annual  Fee.  If  your  account  has  an  annual  fee  it  will  be charged  each  year  your  account is 

open. The annual fee will not be billed after your Account is closed. 

•  Balance Transfer Fee. This fee may be charged on a balance transfer transaction. 
•  Cash Advance Fee. This fee may be charged on a Cash Advance from your Account. 
•  Overdraft  Protection  Advance  Fee.  This  fee  may  be  charged  when  an  overdraft  amount  is 

advanced to the checking account linked to your Credit Card Account by you. 

•  Foreign Currency Conversion Fee. If you make a transaction in a foreign currency, Visa will 
convert it into a U.S. dollar amount. A foreign currency conversion fee may be charged when 
this is done. 

•  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 and Overdraft Protection fees which will be added 
to the Cash Advance balance on your Account. 

(12) Foreign Currency Transactions. 

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 

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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, 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. 

(13) Rates. The following sections describe how we calculate the interest you owe each Billing 
Period.  The  Important  Terms  of  Your  Credit  Card  Account  list  the  APRs  that  apply  to  different 
types of balances. 

Introductory  Rates.  Your  account  may  be  eligible  for  introductory  rates.  This  would  be 
described in the Important Terms of Your Credit Card Account. If you are offered a promotional 
rate after your account is opened, the terms will be provided at that time. After any introductory 
or 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 has a variable rate the APR 
will vary based on the U.S. Prime Rate plus the applicable "Margin". See the Important Terms of 
Your Credit Card Account for the "Margin" on Purchases, balance transfers, Cash Advances, and 
overdraft  protection  advances,  and  daily  periodic  rates  that  apply  to  your  Account.  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 billing statement closing date. If the U.S. Prime Rate is no longer published or 
is  not  available,  we  may  select  a  similar  index.  A  change  in  the  APR  may  increase  or  decrease 
the total amount of interest you pay and your Minimum Payment due. If the APR changes due to 
a change in the U.S. Prime Rate, the new APR will apply to both existing and future balances on 
the first day of your Billing Cycle. 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 the Change In Terms information described in section 10. 
The  rates  that  apply  to  your  account  are  listed  in  the  Important  Terms  of  Your  Credit  Card 
Account. 

Daily Periodic Rates. The daily periodic rates are calculated by dividing each applicable APR by 
365. 

(14) Minimum Interest Charge. Your account may have a Minimum Interest Charge. See The 
Important Terms of Your Credit Card Account for the applicable charge. 

(15) When we Charge Interest. For most transactions, interest will be charged beginning on 
the  date  a  transaction  is  made  on  your  account.  We  charge  interest  on  a  fee  beginning  on  the 
first day of the Billing Cycle following the Billing Cycle in which the fee posted to your Account. 

(16)  Here's how and when specific Transactions, fees and credits are applied: 

•  We  add  the  amount  of  a  Purchase  or  Balance  Transfer  to  the  Purchase  balance  as  of  the 

transaction date shown on your statement. 

•  We add Balance Transfer fees to the Purchase balance as of the transaction date shown on 

your statement. 

•  We  add  the  amount  of  a  Cash  Advance  to  the  Cash  Advance  balance  as  of  the  transaction 

date shown on your statement. 

•  We add Cash Advance Fees to the Cash Advance balance as of the transaction date shown on 

your statement.

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•  We add the amount of any Overdraft Protection advance to the Cash Advance balance as of 

the transaction date shown on your statement. 

(17)  How  we  Calculate  Interest.  We  begin  by  calculating  the  daily  balance  of  each 
Transaction  category.  Next  we  calculate  the  Average  Daily  Balance  (ADB).  Finally,  we  calculate 
the interest. See each section below for details. 

1)  Calculating  the  daily  balance:  the  daily  balance  is  calculated  separately  for  each 
Transaction category. We start with the daily balance from the end of the previous day. We 
add in any new Transactions and other charges, including interest accrued on the previous 
day's  balance.  This  means  interest  is  compounded  daily.  We  then  subtract  any  payments 
or credits. 

Example for the Purchase Transaction category: 

Daily balance for purchases from the previous day 
+ New purchases 
+ Fees and interest accrued on the previous day's Transaction category balance
- Payments, credits and adjustments that posted that day 
= New daily balance for Purchases 

2) Calculating the Average Daily Balance (ADB): we add up all the daily balances for 
the  Billing  Cycle  starting  with  the  beginning  balance  of  the  first  day  of  the  Billing  Cycle. 
This beginning balance will include any unpaid fees from the previous Billing Cycle and any 
late fees incurred during the current Billing Cycle. Any daily balance that is a credit balance 
is treated as zero. We divide this amount by the number of days in the Billing Cycle. 

ADB = sum of daily balances ÷ number of days in the Billing Cycle 

3)  Interest  Calculation:  we  calculate  the  interest  charge  for  each  type  of  balance  by 
applying the daily periodic rate to the ADB and multiplying this by the number of days in 
the Billing Cycle. 

Interest Charge = daily periodic rate x ADB x number of days in Billing Cycle 

(18) Grace Period. To avoid paying interest on new Purchases you have to pay your entire New 
Balance  by  the  Due  Date  on  your  statement  each  Billing  Period.  You  cannot  avoid  interest  on 
Cash Advances or Balance Transfers. Your due date will be at least 25 days from the statement 
closing date and will be provided on your billing statement. 
Back to top ▲

Billing Statements And Payments 

(19)  Billing  Statements.  If  you  have  a  balance  on  your  account  you  will  receive  a  billing 
statement.  Your  billing  statement  will  show  your  Minimum  Payment  due  and  the  Payment  Due 
Date. 
(20)  Payments.  You  may  pay  all  or  part  of  your  Account  balance  at  any  time,  but  you  must 
pay the Minimum Payment, disclosed on your billing statement, by the Payment Due Date. 
Minimum  Payment.  Your  Minimum  Payment  Due  includes  any  amount  past  due  plus  the 
greater of 

1. Fees and interest billed during the Billing Cycle plus 1% of the New Balance; or 

2. $15.00 (or the entire balance on the Account if the New Balance is less than $15.00). 

We  require  you  to  pay  any  amount  over  the  limit  on  your  credit  card  account.  However,  that 
amount is not included in your Minimum Payment Due.

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This is rounded-up to the next highest whole dollar amount. Credits will not be used to meet the 
Minimum Payment. 
Payment Instructions. Follow these instructions when making a payment: 

1. You must pay in U.S. dollars. 

2. Payment must be made with a personal check, money order or cashier's check and must 
be issued by a bank in the United States. 

3. Electronic payments are accepted. 

4.  Do not mail cash. 

If  you  mail  your  payment,  please  mail  to  the  payment  address  provided  on  your  billing 
statement using the envelope and payment coupon enclosed. Payments received by 5:00 p.m. at 
the location your payment is mailed to will be credited as of the date of receipt. If received after 
5:00 p.m. they will be credited on the following day. Payments made through Wells Fargo Online 
Banking at wellsfargo.com will be credited based on the cutoff time disclosed at the time of the 
transaction. If you do not follow these instructions your payment may not be credited for up to 
five days after we receive it. 

Checks  or  other  paper  documents  may  be  converted  to  an  electronic  transaction  through 
procedures established by the National Automated Clearing House Association. In this case, the 
original check or other document that you send to us will not be retained, but a copy would be 
available if requested. 

Some  of  your  available  line  of  credit  may  be  held,  at  our  discretion,  until  your  payment  is 
honored. 

You cannot pay this account using another Wells Fargo Bank, N.A. credit or loan account or any 
Wells Fargo affiliated company credit or loan account. You cannot use any SUPERCHECKS checks 
to make any payment on this Account. 

Generally, we will apply your Minimum Payment first to lower APR balances (such as Purchases) 
before  balances  with  higher  APRs  (such  as  Cash  Advances).  Payments  made  in  excess  of  the 
Minimum Payment will be applied to balances with higher APRs first before balances with lower 
ones. 

We post payments to the Billing Cycle within which they are received. Any payment in excess of 
the  Minimum  Payment  due  is  applied  based  on  the  balances  reflected  on  your  last  billing 
statement. 
Irregular  Payments.  If  you  intend  to  pay  your  Account  in  full  with  an  amount  less  than  the 
Outstanding  Balance, payments  must  be  sent  to:  Wells  Fargo,  P.O.  Box 10311, Des  Moines, IA 
50306-0311.  Please  note  that  if  we  accept  such  payments  we  have  every  right  to  pursue  full 
payment. 
Back to top ▲

Other Important Information 

(21)  Default  /  Immediate  Repayment  of  Balance  in  Full.  Your  Account  will  be  in  default, 
and we may require immediate payment of your total Account if: 

•  You fail to pay a Minimum Payment by the Payment Due Date; 
•  Any payment is returned; 
•  You don't honor the terms of this Agreement; 
•  You made an untrue statement on your application; OR 
•  You file for bankruptcy.

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If this is a joint Account, a default by one of you will be a default by all of you. 

We  may  prevent  further  transactions  and  we  may  close  your  Account  and  other  Wells  Fargo 
Accounts. If your account is in default you agree to pay our collection costs, attorney's fees, and 
court costs incurred in enforcing our rights under this agreement. 

(22) Re-Verification of Credit Information. We can review any information you provided on 
your credit application at any time. This may include: 

•  Requesting credit bureau reports; 
•  Verifying your current credit standing; 
•  Verifying your employment, assets and income records. 

(23)  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). 

This  waiver  may  not  apply  to  you  if  you  are  on  active  duty  military  service  (including  active 
guard  or  reserve  service)  or  you  are  a  spouse  or  dependent  of  a  person  who  is  on  such  active 
duty  military  service.  Please  see  the  Important  Statement  Concerning  Active  Duty  Military 
Service section in the Agreement for more information. 

(24)  Cancellation. We may close your Account at any time and for any reason. You may also 
close the Account at any time. If that happens, you must still repay the balance owed according 
to the terms of this Agreement. Joint Accounts may be canceled by either Account Holder. If we 
close the account, notice may be provided to only one Account Holder. 

(25)  Separation  of  Unlawful  Provisions.  If  any  provision  of  this  Agreement  is  found  to  be 
unenforceable, all other provisions of the Agreement will remain in effect. 

(26)  Enforcement Rights. We  may waive  or delay enforcing any of  our  rights without losing 
them.   A  court  decree  for  divorce  or  separation  or  an  out-of-court  mutual  agreement  does  not 
affect any of our rights to enforce this Agreement. 

(27)  Phone Monitoring. We may monitor and record any of your phone calls with us. 

(28)  Information  Reporting.  We  may  report  information  about  you  to  consumer  reporting 
agencies. The information that we report to consumer reporting agencies may include: 

•  Account history; 
•  Account performance; 
•  Account status; 
•  Any violations of your account; and 
•  Any violations of the terms of this Agreement. 

The  same  information  may  be  reported  to  the  consumer  reporting  agencies  for  any  additional 
card  holders.  You  may  dispute  the  accuracy  of  the  information  that  we  report  to  consumer 
reporting  agencies  by  writing  to  us  at  Wells  Fargo  Credit  Bureau  Dispute  Resolution,  P.O.  Box 
14517, Des Moines, IA 50306-3517. Please describe the information in detail that you believe is 
inaccurate  and  provide  any  supporting  documents  with  your  dispute.  If  your  dispute  relates  to 
identity theft, you will need to provide us with an identity theft report. 

(29)  Assignment. We may assign your Account and any or all rights and obligations under the 
Agreement  to  a  third  party. You  may  not assign  your Account  or  any of  your  obligations  under 
the Agreement. 

(30)  Governing  Law.  Federal  law  and  the  laws  of  South  Dakota  govern  this  Agreement  and 
your account. 
Back to top ▲

Arbitration

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(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. 

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,

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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. 

e.  Active  Duty  Military  Service.  If  you  are  on  active  duty  military  service  (including  active 
guard  or  reserve  service)  or  you  are  a  spouse  or  dependent  of  a  person  who  is  on  such 
active  duty  military  service,  then  the  above  Arbitration  Agreement  may  not  apply  to  you. 
Please  see  Important  Statement  Concerning  Active  Duty  Military  Service  in  this  Agreement 
for more information. 

Back to top ▲

Your Billing Rights 

Keep  This  Notice  For  Future  Use.  This  notice  tells  you  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

(32) What To Do If You Find a Mistake on Your Statement.  If you think there is an error 
on your statement, write to us at: 

Wells Fargo Card Services 
P.O. Box 522 
Des Moines, IA 50306-0522 

In your letter, give us the following information: 

•  Your name and Account number; 
•  The date and dollar amount of the suspected error. 
•  If you think there is an error on your bill, describe what you believe is wrong and why you 

believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At  least  3  business  days  before  an  automated  payment  is  scheduled,  if  you  want  to  stop 

payment on the amount you think is wrong. 

You must notify us of any potential errors in writing at the address above. You may notify using 
other ways (including telephone), 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.

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•  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 522 
Des Moines, IA 50306-0522 

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. 
Back to top ▲

Active Duty Military Service 
(33)  IMPORTANT STATEMENT CONCERNING ACTIVE DUTY MILITARY SERVICE: If you 
are on active duty military service when you apply for or establish this account (including active 
guard or reserve service) or you are a spouse or dependent of a person who is on such active 
duty military service at that time, then so long as such active duty military service continues, the 
Arbitration Agreement contained in the Credit Card Agreement does not apply to you, nor do any 
provisions that waive any right to legal recourse under any state or federal law. 

MILITARY ANNUAL PERCENTAGE RATE: Federal Law provides important protections to 
members of the Armed Forces and their dependents relating to extensions of consumer credit. In 
general, the costs of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to 

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the credit transaction or account: the cost associated with credit insurance premiums, fees for 
ancillary products sold in connection with the credit transaction, any application fee charged 
(other than certain application fees for specified credit transactions or accounts), and any 
participation fee charged (other than certain participation fees for a credit card account). 

You may contact us at 1-844-309-0044 for information about the Military Annual Percentage 
Rate and a description of your account opening disclosures. 
Back to top ▲

Interpreter Certification 

(34)  Interpreter Certification. If you choose to discuss your credit card account with 
us in Spanish, Chinese, Korean, Vietnamese, or Tagalog, please read the following. 
By signing, using or activating the credit card issued to you, you certify to us that: 

•  You have discussed the Customer Agreement and Disclosure Statement with your interpreter 

and have been given the opportunity to discuss and negotiate with us the terms and 
conditions contained in these documents. 

•  Your interpreter is at least 18 years old and is fluent in both 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. 

Certificación de Intérprete

(34)  Certificación de Intérprete. Si usted opta por conversar sobre su cuenta de 
tarjeta de crédito con nosotros en español, chino, coreano, vietnamita o tagalo, lea lo 
siguiente. 
Al firmar, utilizar o activar la tarjeta de crédito emitida a su nombre, usted certifica ante 
nosotros que: 

•  Usted ha analizado el Contrato del Cliente y Declaración de Divulgación con su intérprete, y 
que usted y su intérprete han tenido la oportunidad de analizar y negociar con nosotros los 
términos y condiciones contenidos en estos documentos. 

•  Su intérprete tiene por lo menos 18 años de edad y habla con fluidez tanto en inglés como 

en el idioma que usted haya elegido para conversar con nosotros sobre los términos y 
condiciones de su Cuenta de tarjeta de crédito. 

•  Usted entiende y está de acuerdo con los términos y condiciones contenidos en estos 

documentos adjuntos. 

翻譯員認證

(34)  翻譯員認證。如果您選擇以西班牙語、中文、韓語、越南語或菲律賓語與我們討論信用卡帳戶相關事 
宜，請閱讀以下內容。 
一旦您簽署、使用或啟用核發給您的信用卡，即表示您向我們證明 

• 您已經與您的翻譯員討論過《客戶協議》與《披露聲明》，並且有機會與我們討論和協商這些文件中的條款 

和條件。 

• 您的翻譯員至少年滿 18 歲，並具有流利的英語能力且深諳您所選與我們討論您的信用卡帳戶條款和條件的 

語言。 

• 您理解並同意遵守所附這些文件中的條款和條件。 

통역사 인증

(34) 통역사  인증.  통역사  인증.  귀하의  신용카드  계좌에  관한  사항을  스페인어,  중국어,  한국어,  한국어, 
베트남어 또는 타갈로그어로 저희와 논의하기로 하신 경우, 다음 사항을 읽어 주십시오 
귀하에게 발급된 신용카드를 사용하거나 활성화함으로써, 귀하는 저희에게 다음 사항을 증명하게 됩니다

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•  귀하는 귀하의 통역사와 함께 고객 동의서 및 공개 진술서에 관해 논의하였으며 이러한 문서에 포함된 약 

관을 저희와 논의하고 협상할 기회를 가졌습니다 

•  귀하의 통역사는 18세 이상이며 영어뿐만 아니라 귀하가 신용카드 계좌 약관에 관해 저희와 논의할 때 사 

용하시기로 선택하신 언어에 모두 능통합니다 

•  귀하는 첨부된 이러한 문서에 포함된 약관을 이해하였으며 이에 동의합니다 

Xác Nhận Về Người Thông Dịch

(34) Xác Nhận Về Người Thông Dịch Nếu quý vị chọn thảo luận trương mục thẻ tín 
dụng của mình với chúng tôi bằng tiếng Tây Ban Nha, tiếng Trung, tiếng Hàn, tiếng Việt 
hoặc Tagalog, vui lòng đọc phần sau đây. 
Bằng việc ký, sử dụng hoặc kích hoạt thẻ tín dụng đã cấp cho quý vị, quý vị chứng nhận với 
chúng tôi rằng: 

•  Quý vị đã thảo luận với thông dịch viên của mình về Thỏa Thuận Khách Hàng và Tuyên Bố 
Tiết Lộ Thông Tin và đã có cơ hội trao đổi và thương lượng với chúng tôi về các điều khoản 
và điều kiện nêu trong những tài liệu này. 

•  Thông dịch viên của quý vị tối thiểu 18 tuổi và thông thạo cả tiếng Anh lẫn ngôn ngữ mà quý 
vị đã chọn sử dụng để thảo luận với chúng tôi về các điều khoản và điều kiện liên quan đến 
trương mục thẻ tín dụng của quý vị. 

•  Quý vị hiểu và đồng ý với các điều khoản và điều kiện được nêu trong những tài liệu đính 

kèm này. 

Sertipikasyon ng Tagapagsaling-wika

(34) Sertipikasyon ng Tagapagsaling-wika. Kung pipiliin mong talakayin ang iyong 
credit card account sa amin sa wikang Spanish, Chinese, Korean, Vietnamese, o 
Tagalog, pakibasa ang sumusunod. 
Sa pamamagitan ng paglagda, paggamit o pag-activate ng credit card na ibinigay sa iyo, 
pinatototohanan mo sa amin na: 

•  Tinalakay mo ang Kasunduan ng Kostumer at ang Pahayag ng Pagsisiwalat sa iyong 

tagapagsaling-wika at nabigyan ka ng pagkakataong talakayin at makipagkasundo sa amin 
sa mga tuntunin at kundisyong nilalaman ng mga dokumentong ito. 

•  Ang iyong tagasaling-wika ay wala pang 18 taong gulang at lubos na marunong sa Ingles at 
sa wika na napili mo para talakayin sa amin ng mga tuntunin at kundisyon ng iyong credit 
card Account. 

•  Nauunawaan at sinasang-ayunan mo ang mga tuntunin at kundisyong nakasaad sa mga 

nakalakip na dokumentong ito. 

Back to top ▲

Wells Fargo Card Services 
PO Box 10347, Des Moines, IA 50306 
1-800-642-4720 
Hearing and Speech Impaired Customers, call the TTY number 1-800-419-2265

Core 08/17

M-119975

LS 9075

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Important Terms of Your Credit Card Account 

Pricing Addendum for Wells Fargo Rewards® Card 
As of 11/11/2017 

Interest Rates and Interest Charges 

Annual Percentage 
Rate (APR) for 
Purchases 

Prime Rate + 7.74% to Prime 
Rate + 22.74%, based on your 
creditworthiness. 

Annual Percentage 
Rate (APR) for 
Balance Transfers 

APR for Cash 
Advances and 
Overdraft Protection 
Advances 

Paying Interest

This APR will vary with the market based on the U.S. 
Prime Rate. You may not qualify for the lowest APR 
disclosed in the range above. The APR applicable to your 
account will be determined by our review of your credit 
report, information you provide on your application, and 
other relevant information available to us. 

Prime Rate + 7.74% 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. 

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 interest on purchases 
if you pay your entire balance by the due date each month. 
We will begin charging interest on cash advances and 
balance transfers on the transaction date. 

Minimum Interest 
Charge 

If you are charged interest, the charge will be no less than 
$1.00. 

Fees 

Annual Fee

None 

Transaction Fees 

•

Balance Transfers

Up to 5% for each balance transfer, with a minimum of 
$5. 

•

Cash Advances

Either $10 or 5% of the amount of each advance, 
whichever is greater. 

Overdraft Protection 

•
Advances 

$12.50 if the total of overdraft protection advances for the 
day is $50 or less; 

https://disclosure.wellsfargo.com/disclose/DisclosureServlet

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Page 16 of 16

• Foreign Currency 
Conversion 

Penalty Fees 

•

Late payment

Returned Check or 

•
Returned Payment 

$20 if the total of overdraft protection advances for the day 
is greater than $50. 

3% of each transaction converted to U.S. dollars 

Up to $37 

Up to $37 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance 
(including new purchases)." See the Consumer Credit Card Customer Agreement and Disclosure 
Statement for more details. 

How We Calculate Your Late Payment and Returned Check or Returned Payment Fees: 
The  fee  will  be  the  lesser  of  the  Minimum  Payment  or  $27.  For  any  subsequent  event  within  a 
rolling six billing cycle period, the fee will be the lesser of the Minimum Payment or $37. 

How We Will Calculate Your Variable APRs: 
Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime 
Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or 
the  average  of  the  U.S.  Prime  Rates  if  there  is  more  than  one,  published  in  the  Money  Rates 
column  of  The  Wall  Street  Journal  three  business  days  prior  to  your  billing  statement  closing 
date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this 
will also cause the related daily periodic rate to increase or decrease. An increase or decrease in 
the APR may increase or decrease the total amount of interest you pay. It may also increase or 
decrease  the  Minimum  Payment  due.  See  the  Consumer  Credit  Card Customer  Agreement  and 
Disclosure Statement for more details. 

Variable Interest Rate Calculation 

Prime Rate effective as of 12/29/2017

4.50% 

Margin added to the Prime Rate to determine your 
APR for purchases 

7.74% - 22.74% 

APR for purchases

12.24% - 27.24% 

Margin added to the Prime Rate to determine your 
APR for cash advances and overdraft protection 
advances 

20.74% - 22.74% 

APR for cash advances and overdraft protection 
advances 

25.24% - 27.24%

https://disclosure.wellsfargo.com/disclose/DisclosureServlet

12/29/2017