CONSUMER CREDIT CARD
CUSTOMER AGREEMENT & DISCLOSURE STATEMENT

WELLS FARGO AMERICAN EXPRESS® CARD

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

Section 1   : Pg. 1
Section 6   : Pg. 2
Section 13 : Pg. 3
Section 14 : Pg. 3
Section 21 : Pg. 4
Section 23 : Pg. 5
Section 32 : Pg. 6
Section 33 : Pg. 6
Section 34 : Pg. 7

Notice To California Cardholders 
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To our California customers who have discussed credit card terms and conditions with us in Spanish, Chinese, Korean, Vietnamese, or Tagalog: 
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Read Section 34 about interpreter certification before you activate your credit card.
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Antes de activar su tarjeta de crédito, lea la sección 34 con respecto a una certificación importante. 

Your Contract With Us

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

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

An Annual Percentage Rate (APR).
The interval between billing statements. Each billing statement shows a closing date. The statement closing date is
the last day of the Billing Cycle for that billing statement.
Any credit card we issue to use your Account.
Obtaining cash or funds using your Account by:
presenting your Card at a bank that accepts American Express;
using your Card with your Card Personal Identification Number (PIN) to obtain cash from any Automated Teller
Machine (ATM) which displays any of the logos appearing on your Card;
using any Wells Fargo debit card linked to your Account to obtain cash from any ATM which displays any of the
logos appearing on your Wells Fargo debit card;
using the Wells Fargo Online Banking® service for transactions other than those disclosed as balance transfers;
using our Customer Service department for transactions other than those disclosed as balance transfers;
taking overdraft protection advances;
using SUPERCHECKS™ checks that are issued in connection with this Account, (unless provided by us in connection
with a balance transfer offer); or
buying cash equivalents such as money orders, wire transfers, traveler checks, foreign currency, lottery tickets, casino
chips, off-track wagers, other wagers, vouchers redeemable for cash or similar items.
A device, other than your Card, (such as SUPERCHECKS™ checks, balance transfer checks) we allow you to use to
access credit on your Account.
A summary of your Account’s APRs, fees and other important information.

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The Outstanding Balance as of a statement closing date.
The sum of all unpaid amounts, including Purchases, Cash Advances, balance transfers, interest, fees and any other
amounts that you may owe us.
The date the Minimum Payment is due to us. The Payment Due Date will be at least 25 days from the statement
closing date. It is shown on your billing statement.
The use of your Account to:
• buy or lease goods or services;
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Other terms are defined in the Agreement below.

make any transaction that is not a Cash Advance, balance transfer, or other type of transaction we may identify.

Purchase

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

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(3) Definitions.
APR
Billing Cycle or
Billing Period
Card
Cash Advance

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

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

Using Your Account

(6) Using Your Account.This is a consumer credit card Account which you may use for Purchases, balance transfers, Cash Advances and any other
transactions we allow you to complete. You promise that you will use your Account only for lawful personal, family, or household purposes.
American Express Cards are not presently accepted for purchase of bets, lottery tickets or casino gaming chips. We reserve the right to deny
transactions or authorizations from merchants apparently engaging in the internet gambling business or identifying themselves through the Card
transaction record or otherwise as engaged in such business. We are not responsible if anyone does not allow you to use your Account or refuses
to accept any other Credit Access Device. We may decline any transaction at any time.
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Balance Transfers. You may use your Account for balance transfers. The applicable APR and balance transfer fees are listed in the Important
Terms of Your Credit Card Account or with the balance transfer offer or check you receive. There is no grace period on balance transfers. We
begin charging interest on balance transfers on the date the balance transfer is posted to your Account.

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

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Cash Advances. You may use your Account for Cash Advances. The applicable APR and Cash Advance fees are listed in the Important Terms of
Your Credit Card Account. We may limit your total Cash Advances to a portion of your total credit limit. There is no grace period on Cash
Advances. We begin charging interest on Cash Advances on the date the Cash Advance is posted to your Account.

Cash Advances from ATMs may be limited by amount or frequency:
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A total daily withdrawal limit of $500;
A maximum limit of $500 for any single ATM withdrawal;
No more than five ATM withdrawals per day; and
The ATM owner may impose more restrictive limits.
If the ATM owner charges a surcharge or convenience fee for withdrawing cash, the amount of that fee will be included as part of the total
Cash Advance amount.
You may elect to have an automatic Cash Advance from your Account to cover an overdraft on a linked Wells Fargo checking account.

We determine the overdraft advance amount as follows:
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We will advance the exact dollar amount to cover the overdraft, subject to a minimum overdraft protection advance amount of $25.00. If
the amount of available credit on your Card is less than the amount of the overdraft or less than the $25.00 minimum, we will still advance
the available amount.

The applicable APR and transaction fee that apply to overdraft protection advances are listed in the Important Terms of Your Credit Card
Account. Overdraft protection advances, and applicable interest and fees, may cause your Account balance to exceed your credit limit.
If there is more than one person listed on the checking account (such as a joint checking account) that you have linked for overdraft
protection, then:
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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.

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We reserve the right to cancel, suspend, or change the terms or conditions of your overdraft protection service at any time, for any reason.
Credit Access Devices.  You may access credit on your Account by using your Card, or another Credit Access Device (such as SUPERCHECKS™ or
balance transfer checks). 
SUPERCHECKS are checks you can use to access your Account in a manner similar to writing a check on a deposit account. Except as otherwise
stated below, when we receive a SUPERCHECKS check, we will pay it by advancing the amount from your credit card Account.  SUPERCHECKS™
checks will post as a balance transfer if provided by us in connection with a balance transfer offer; otherwise they will post as a Cash Advance.
They are subject to the related transaction fees and interest.
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You may not write a SUPERCHECKS check as payment on your Account.
Only the person whose name is printed on a SUPERCHECKS check may use it.
All SUPERCHECKS checks must be written in U.S. dollars.
We will not certify SUPERCHECKS checks.
If you have a dispute which you are unable to resolve with a merchant about payment for property or services that you paid for using a
SUPERCHECKS  check, you will not be allowed to file a claim against the bank to reimburse you for this transaction.
We reserve the right to put conditions on the use of SUPERCHECKS checks and to reject, decline and return unpaid any SUPERCHECKS check
or advance at our discretion.

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

(7) Authorized Users. If you wish to have an additional Card issued in another person's name, please contact us and we will send you a Card with
the name of the authorized person embossed on the front of the Card. You are responsible for payment of the entire amount owed to us,
including any Purchases, balance transfers or Cash Advances (and all related interest and fees) made by the authorized person.
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Ending Authorized User Privileges. 
If you want to end an authorized user's privilege to use your Account, before we can process the request, you must:
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Recover and destroy that person's Card. If you do not recover and destroy the Card, you will continue to be liable for any charges made
after you advised us of your wish to cancel the privileges, unless you tell us to cancel all Cards and establish a new Account for you.
You may telephone us, however you must follow up your call with a notice in writing. We must receive your written instructions before we
can process a change or cancellation.

In general, an authorized person is not obligated on this Account and is not liable for any Outstanding Balance or any other charges made by you
or by any other authorized person. Each authorized person's privilege ends automatically upon the death of all fully liable cardholders. If any
person uses the Card, such use indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of any
Outstanding Balance or any other charges they authorize. You agree to notify each authorized person that they are subject to all applicable
sections of this Agreement.
(8) Lost or Stolen Cards and Liability for Unauthorized Use. You agree to notify us immediately, if your Card is lost or stolen or if you believe
your Account is being used without your permission. You may contact us orally or in writing at 1-800-642-4720 or P.O. Box 10347, Des Moines, IA
50306. You agree to assist us in our investigation of the matter. If you do this, you will not be held liable for the unauthorized use of your Account.

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

(10) Credit Limit.
We may assign the following limits to your Account:

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Credit Limit. This is the amount of credit we will extend to your Account.
Cash Advance Limit. This is a portion of the credit limit that is available for Cash Advances.

Your total credit limit is shown on the document that accompanies your Card and on each of your billing statements. You promise to use your
Account only to the limits. If you exceed your total credit limit, we may authorize the transaction without increasing your total credit limit (we may
treat that amount as immediately due), or deny the authorization. If you exceed the limits, you will still remain liable for all credit you receive. We
can adjust your credit limit at any time.

(11) Authorizations. We may limit the number of authorizations we will allow during a period of time. We reserve the right to deny certain
transactions for any reason, including default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased risk
related to the transaction. For security reasons, we cannot explain the details of how the authorization system works. You agree that we will not be
liable for failing to give an authorization. If the authorization is denied, we may notify the person who attempted the transaction that it has been
refused. Transactions at some merchants (such as hotels, car rental companies, restaurants, and gas stations) may result in temporary
authorizations for amounts greater than the actual Purchase amount, which will make less credit available on your Account for several days (usually
until the date the actual Purchase amount is received from the merchant).

(12) Airline Benefit. Your Account will be eligible to receive credit totaling up to $100 per year for domestic or international airline transactions
that constitute Qualifying Charges (the “Airline Benefit”). Your Account is eligible for one Airline Benefit, regardless of the number of Cards or users
on the Account. For purposes of this benefit, a year will be measured from the date the account is open (“Account anniversary year”). The benefit
will renew on the anniversary date of the Account each subsequent year.

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“Qualifying Charge/s” for purposes of the Airline Benefit, are defined as domestic or international airline transactions (excluding purchases
of airline tickets) made with a Card for which the airline has submitted the transaction under the merchant code for American Express in the
category of airlines and air carriers. Purchases made at retailers or airlines that do not process transactions using these codes for American
Express will not qualify for credits. We do not have the ability to control how a retailer or airline chooses to classify their business and
therefore reserve the right to determine which purchases are Qualifying Charges. Returns or credits applied to your Account, such as returned
or disputed purchases, may reduce or eliminate credits already earned.

Statement Credits: Until the yearly Airline Benefit is exhausted, a credit for Qualifying Charges will be applied automatically to your
statement for any transaction equal to or less than $100. Please allow 5-20 days after the Qualifying Charges are posted to your Account for
statement credit(s) to be posted to the Account. You remain responsible for timely payment of all charges on the Account. For Qualifying
Charges that exceed $100, credits will not be applied automatically. However, you will have 90 days from the date each Qualifying Charge
posts to the statement to request a manual adjustment of any Qualifying Charges not automatically credited. Please call the number on the
back of the Card to request that credits be applied if the Qualifying Charge transaction totaled more than $100 or if statement credits have
not posted after 20 days from the date of the Qualifying Charge. All Qualifying Charges must be posted to the Account during the Account
anniversary year in order to be credited for the benefit. Any unused amount in the Airline Benefit will be forfeited on the day before the
Account anniversary date each year or on the date the Account is closed, if the Account is closed before the end of the Account anniversary
year. To be eligible for a statement credit, the Account must be open and in good standing at the time the qualifying charges post to the
Account.

Taxability: We will report the Airline Benefit as income to the Internal Revenue Service, state, and local tax authorities if required by
applicable law. It is your responsibility to pay any federal, state or local tax liability, or other fees or gratuities, connected with use of this
Airline Benefit. If you have any questions about your tax liability, please consult your tax advisor.

Benefit Changes or Discontinuation: We reserve the right to change or discontinue the Airline Benefit at any time.

Changes To This Agreement

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

Fees And Interest
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(14) Fees. You agree to pay the following fees. You will find the fee amounts in the Important Terms of Your Credit Card Account.
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Annual Fee. This fee may be charged if applicable. If your Account has an annual fee, you are responsible for paying it every year while your
Account is open. The annual fee will not continue to be billed after your Account is closed.
Balance Transfer Fee. This fee may be charged if you engage in a balance transfer transaction.
Cash Advance Fee. This fee may be charged when a Cash Advance is posted to your Account.

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• Overdraft Protection Advance Fee. This fee may be charged when an overdraft amount is advanced to the checking account linked by you

to your Account.
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.

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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 Advance fees which will be added to the Cash Advance balance on your Account.

(15) Foreign Currency Transactions. 
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Converting Charges Made In A Foreign Currency. If you make a transaction in a currency other than U.S. dollars, then American Express will
convert it into U.S. dollars on the date American Express processes it. Unless a particular exchange rate is required by applicable law the rate
American Express uses is no more than the highest official rate published by a government agency or the highest interbank rate American
Express identifies from customary banking sources on the conversion date or the prior business day. This rate may differ from rates that are in
effect on the date of your charge. American Express will bill charges converted by establishments (such as airlines) at the rates they use.

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(16) Rates. This is how we calculate interest rates that apply to your Account. The Important Terms of Your Credit Card Account indicate the
Standard and/or Standard Variable APRs as applicable to the different types of balances on your Account. The document that accompanies your
Card also states the calculated daily periodic rates that apply to your Account.

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Introductory / Promotional APRs. If your Account is eligible for one or more introductory rates, the Important Terms of Your Credit Card
Account in the document that accompanies your Card describe the duration, the  transactions to which the introductory rates apply, the
introductory daily periodic rates, and the corresponding APRs applicable to your Account as of the date your Account opened. If a
promotional rate is offered after your Account is open, the terms applicable to that promotional APR will be provided at that time. After
the introductory rates or any other promotional rates expire, the remaining balances will be subject to the applicable Standard or
Standard Variable APR terms.

• How We Calculate Your Standard Variable APRs. If your Account is subject to Standard Variable APR, the APR is a variable rate based on
the U.S. Prime Rate plus the applicable "Margin". Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S.
Prime Rate to determine your variable APR. For each Billing Period, we use the U.S. Prime Rate or the average of the U.S. Prime Rates (if
there is more than one) published in the “Money Rates” column of The Wall Street Journal three business days prior to your statement
closing date. If the U.S. Prime Rate is no longer published or is not available, we may select a similar index. The Important Terms of Your
Credit Card Account in the document that accompanies your Card displays the amount of the "Margin" on Purchases, balance transfers,
Cash Advances, and overdraft protection advances, and daily periodic rates that apply to your Account. The APR may increase or decrease
if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or
decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment
due. If the APR changes due to a change in the U.S. Prime Rate, the new APR will apply as of the first day of your Billing Cycle. Any changes
will apply to both existing and future balances on your Account. The APR will continue to vary even if your Account is closed.  __________

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Standard APRs. If your Account is subject to Standard APRs, the Standard APRs will not vary with the market based on the U. S. Prime Rate.
However, we may change the Standard APRs from time to time in accordance with section 12 above. Please refer to the Important Terms of
Your Credit Card Account document that accompanies your Card for the Standard APRs and daily periodic rates for Purchases, balance
transfers, Cash Advances, and overdraft protection advances applicable to your Account.

• How We Calculate Your Daily Periodic Rates. 

The daily periodic rates are calculated by dividing each applicable APR by 365.

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

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

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

(20) How We Calculate Interest - Average Daily Balance Method (Including New Purchases).

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

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

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

(22) Payments.
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Minimum Payment. You promise to pay the Minimum Payment due by the Payment Due Date. The amount of your monthly payment will
depend on whether the New Balance shown on your billing statement is greater or less than the credit limit amount assigned to your Account
and whether any payment is past due. The “Minimum Payment” is calculated as follows: 
•  If the New Balance is less than the credit limit amount assigned to your Account, the Minimum Payment includes the largest of the following:

(1) The sum of the fees and interest billed during the Billing Cycle for which the Minimum Payment is calculated plus 2% of the New

Balance shown on the billing statement; or

(2) $25.00 (or the entire balance on the Account if the New Balance is less than $25.00).

•  If the New Balance is greater than the credit limit amount assigned to your Account, the Minimum Payment includes the largest of the
 following:

(1) The sum of the fees and interest billed during the Billing Cycle for which the Minimum Payment is calculated plus 2% of the New

Balance shown on the billing statement; or

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(2) if no payment is past due, 2% of the credit limit amount assigned to the Account plus the amount of the New Balance that exceeds

the assigned credit limit amount; or

(3) if any payment is past due, 2% of the credit limit amount assigned to the Account plus the amount of the New Balance that exceeds

the assigned credit limit amount which is also greater than the amount past due.

This is rounded-up to the next highest whole dollar amount, then any past due amount is added. The total is disclosed on the billing statement as
the "Minimum Payment".
Credits will not be used to meet the Minimum Payment. In addition, any past due amount is due and payable immediately.

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Payment Instructions. Follow these instructions when making a payment:
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Make your payment in U.S. dollars, but do not send cash. Unless the payment is made electronically, it must be in the form of a personal
check, money order, or cashier's check and capable of being processed through the Federal Reserve System. Payments must be drawn on a
United  States bank.  If  we  choose  to  accept  a  payment made in a  foreign currency,  we  will  temporarily credit the Account,  until  the  U.S.
currency conversion is complete. We will then reverse the temporary credit and post the U.S. currency converted amount.
If you choose to make a payment by mail, please mail to the payment address designated on your billing statement using the envelope and
the payment coupon enclosed with your billing statement. Payments received by 5:00 p.m. local time at the location to which the payment
is mailed, will be credited as of the date of receipt. Payments received after 5:00 p.m., will be credited as of the next day.
If  you choose to make a payment  online  via  Wells Fargo Online  Banking  at wellsfargo.com,  the  cut-off time  for online  payments will  be
disclosed at the time of the transaction.
If you do not follow these instructions, or make a payment using a money transfer other than the transfer feature on Wells Fargo Online
Banking, your payment may not receive credit for up to five days after we receive it.
Any payment submitted to us in the form of a check or other paper document may be converted to an electronic transaction through
procedures established by the National Automated Clearing House Association. If this occurs, the original check or other document that you
send to us will not be retained, but a copy would be available if requested.
We may, at our discretion, withhold a portion of the available credit on this Account up to the amount of any payments in order to assure
that the check or other payment instrument is honored. You may not make a payment on this Account using any credit or loan account
(including, without limitation, any instrument drawn on such accounts) held with Wells Fargo Bank, N.A., Wells Fargo & Company, or any of
their affiliates or subsidiaries, and we may refuse any such payments in our sole discretion.
You may not use SUPERCHECKS checks, drawn on this Account, to make any payment on this Account.
Generally, we will apply your Minimum Payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as
Cash Advances). Payments made in excess of the Minimum Payment will be applied to balances with higher APRs first before balances
with lower ones.
We post payments to the Billing Cycle within which they are received. Any payment in excess of the Minimum Payment due is applied
based on the balances reflected on your last billing statement.

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

Other Important Information

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

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

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

(24) Re-Verification of Credit Information. We can reinvestigate any information you provided on your credit application at any time, and in the
course of doing so, we may ask you for additional information, request credit bureau reports, and otherwise verify your current credit standing. You
authorize us to investigate your credit, employment, assets, and income records and to verify your credit references. From time to time we may
obtain follow-up credit reports on you.
California Residents. We may also obtain information at any time from the California Department of Motor Vehicles. You agree to waive the address
confidentiality requirements section of the California Vehicle Code (Section 1808.21).

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

(26) 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.

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

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

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

(30) 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.

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

Arbitration

(32) 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, 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.

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

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

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

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

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

In your letter, give us the following information:
•
•
•
You must contact us:
•
•
You must notify us of any potential errors in writing at the address above. You may notify us using other means, but if you do we are not required
to investigate any potential errors and you may have to pay the amount in question.

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.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1.
2.

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.
Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

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

Pg. 6

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.)
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.
You must not yet have fully paid for the Purchase.

3.
If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at:

2.

Wells Fargo Card Services
PO Box 10347
Des Moines, IA 50306

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Interpreter Certification
spacer
Section  (34)  THIS  CERTIFICATION  APPLIES  IF  YOU  CHOSE  TO  DISCUSS  WITH  US  THE  TERMS  AND  CONDITIONS  OF  YOUR  CREDIT  CARD
ACCOUNT IN SPANISH, CHINESE, KOREAN, VIETNAMESE, OR TAGALOG.

By signing, using, or otherwise accepting the credit card or related Account issued to you, you certify to Wells Fargo Bank, N.A. (us) that:
•

You have received and discussed the enclosed Customer Agreement and Disclosure Statement with your interpreter and that you and your
interpreter have been given an opportunity to discuss and negotiate with us the terms and conditions contained in these enclosed documents.
Your interpreter is at least 18 years old and is fluent both in English and in the language in which you chose to discuss with us the terms and
conditions of your credit card Account.

•

• You understand and agree to the terms and conditions contained in these enclosed documents as written.

Section (34) ESTA CERTIFICACIÓN SE APLICA SI USTED ELIGIÓ CONVERSAR CON NOSOTROS SOBRE LOS TÉRMINOS Y CONDICIONES DE SU
CUENTA DE TARJETA DE CRÉDITO EN ESPAÑOL, CHINO, COREANO, VIETNAMITA O TAGALO. 
Al firmar, utilizar o aceptar de otro modo la tarjeta de crédito o la Cuenta relacionada emitida a su nombre, usted certifica a Wells Fargo Bank,
N.A. (nosotros) que:
•

Usted ha recibido y analizado el Contrato del Cliente y Declaración de Divulgación adjuntos con su intérprete, y que usted y su intérprete
han tenido la oportunidad de conversar y negociar con nosotros los términos y condiciones contenidos en estos documentos adjuntos.

•

•

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, tal como se encuentran
redactados.

Pg. 7

Wells Fargo Card Services
PO Box 10347, Des Moines, IA 50306
1-866-568-6521
Hearing and Speech Impaired Customers, call the TTY number1-800-419-2265

Propel World 2/14
NA-4607W-0214

M-110230
LS 8689

Pg. 8

Important Terms of Your Credit Card Account 
Pricing Addendum for Wells Fargo Propel World American Express® Card 
As of 5/17/2014 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases  

Prime Rate + 10.74% to Prime Rate + 18.74%, 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 + 10.74% to Prime Rate + 18.74%, 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%  

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

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

Minimum Interest Charge 

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

Fees 
Annual Fee 

Transaction Fees 

•  Balance Transfers 

•  Cash Advances 

$0 introductory annual fee for the first year, and $175 annual fee for subsequent years. 

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

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

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

•  Overdraft Protection 

Advances 

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

•  Foreign Currency Conversion 
Penalty Fees 

None 

•  Late Payment 

Up to $35.   

•  Returned Check or Returned 

Up to $35.   

Payment 

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

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

How We Will Calculate Your Variable APRs:   
Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your variable APR.  
For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in 
the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. 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 Customer Agreement and Disclosure Statement for more details. 

Variable Interest Rate Calculation 

Prime Rate effective as of 5/17/2014 

3.25% 

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

10.74% -18.74% 

APR for purchases  

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

APR for cash advances and overdraft protection advances  

13.99% - 21.99% 

20.74% 

23.99% 

© 2014 Wells Fargo Bank, N.A.  All rights reserved.