CREDIT CARD AGREEMENT

Important Terms of Your Credit Card Account
Interest Rates and Interest Charges
Annual Percentage Rate (APR) 

for Purchases                                         12.99%

How to Avoid Paying Interest 
on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website
of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Annual Fee
Penalty Fees

None

•  Late Payment
•  Returned Payment 

Up to $38.00
Up to $38.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $27.00. For any subsequent event 
within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment Due or $38.00.
The information about the cost of credit described in this Agreement is accurate as of March 2017. This information may have changed after 
that date. To find out what may have changed, call us at 1-800-459-8451.

ARBITRATION AGREEMENT
Binding  Arbitration.  You  and  Wells  Fargo  Financial  National  Bank  (the “Bank”),  including  the  Bank’s  assignees,  agents,  employees,  officers,  directors, 
shareholders, parent companies, subsidiaries, affiliates, predecessors and successors, agree that if a Dispute (as defined below) arises between you and 
the Bank, upon demand by either you or the Bank, the Dispute shall be resolved by the following arbitration process. However, the Bank shall not initiate 
an arbitration to collect a consumer debt, but reserves the right to arbitrate all other disputes with its consumer customers. A “Dispute” is any unresolved 
disagreement between you and the Bank. It includes any disagreement relating in any way to your Credit Card Account (“Account”) or related services. It 
includes claims based on broken promises or contracts, torts, or other wrongful actions. It also includes statutory, common law and equitable claims. A 
Dispute also includes any disagreements about the meaning or application of this Arbitration Agreement. This Arbitration Agreement shall survive the 
payment or closure of your Account. You understand and agree that you and the Bank are waiving the right to a jury trial or trial before a judge in 
a public court. As the sole exception to this Arbitration Agreement, you and the Bank retain the right to pursue in small claims court any Dispute that is 
within that court’s jurisdiction. If either you or the Bank fails to submit to binding arbitration following lawful demand, the party so failing bears all costs and 
expenses incurred by the other in compelling arbitration.
Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or 
other proceeding has been previously commenced. Neither you nor the Bank shall be entitled to join or consolidate disputes by or against others 
in any arbitration, or to include in any arbitration any dispute as a representative or member of a class, or to act in a private attorney general 
capacity. Each arbitration, including the selection of the arbitrator(s) shall be administered by the American Arbitration Association (AAA), or such other 
administrator as you and the Bank may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the 
“Arbitration Administrator”), according to the Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes (“AAA Rules”). 
To the extent that there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrator(s) must 
be members of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the Dispute. No arbitrator 
or other party to an arbitration proceeding may disclose the existence, content or results thereof, except for disclosures of information by a party required 
in the ordinary course of its business or by applicable law or regulation. You and the Bank (the “Parties”) agree that in this relationship: (1) The Parties are 
participating in transactions involving interstate commerce; and (2) This Arbitration Agreement and any resulting arbitration are governed by the provisions 
of the Federal Arbitration Act (Title 9 of the United States Code), and, to the extent any provision of that Act is inapplicable, unenforceable or invalid, the laws 
of the state of Nevada. If any of the provisions of this Arbitration Agreement dealing with class action, class arbitration, private attorney general action, other 
representative action, joinder, or consolidation is found to be illegal or unenforceable, that invalid provision shall not be severable and this entire Arbitration 
Agreement shall be unenforceable.
Rights Preserved. This Arbitration Agreement does not prohibit the Parties from exercising any lawful rights or using other available remedies to preserve, 
foreclose or obtain possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or 
ancillary remedies such as injunctive relief, attachment, garnishment or the appointment of a receiver by a court of competent jurisdiction. Any statute of 
limitations applicable to any Dispute applies to any arbitration between the Parties. The provisions of this Arbitration Agreement shall survive termination, 
amendment or expiration of the Account or any other relationship between you and the Bank.
Fees  and  Expenses  of  Arbitration.  Arbitration  fees  shall  be  determined  by  the  rules  or  procedures  of  the  Arbitration  Administrator,  unless  limited  by 
applicable law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the 
state in which you opened your Account limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall 
exceed this limitation. Unless inconsistent with applicable law, each of us shall bear the expense of our own attorney, expert and witness fees, regardless 
of which of us prevails in the arbitration.
Important Statement Concerning Active Duty Military Service: If you apply for or establish this Account on or after October 3, 2017 and 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 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.

Page 1 of 4

6102OA 1690 (0417) 
CREDIT CARD AGREEMENT

。

，

Notice to California Cardholders 
To our California customers who have discussed credit card terms and conditions with us or the 
Merchant in Spanish, Chinese, Korean, Vietnamese, or Tagalog:
Read the section titled INTERPRETER CERTIFICATION before you use your Account.
Lea la sección titulada CERTIFICACIÓN DEL INTÉRPRETE antes de usar su Cuenta.
在使用您的帳戶以前 請閱讀題為「傳譯員確認書」一節
귀하의 계좌를 이용하기 전에 먼저 통역사 인증이라는 제목의 섹션을 읽으십시오
Đọc mục tựa đề CHỨNG NHẬN THÔNG DỊCH VIÊN trước khi quý vị sử dụng Trương Mục 
của mình.
Basahin  ang  seksyon  na  pinamagatang  SERTIPIKO  NG  TAGAPAGSALING-WIKA  bago  ninyo 
gamitin ang inyong Account. 
These terms apply to your entire Account.
About Your Account 
AGREEMENT.  This  Credit  Card  Agreement  (“Agreement”)  covers  the  use  of  your  Credit  Card 
Account (“Account”) with us. It includes the Important Terms of Your Credit Card Account. Your 
signature on your application or solicitation for this Account, including without limitation any 
electronic or digital signature, as well as your signature on Sales Slips or any Account-related 
document, represents your signature on this Agreement. You accept the terms of this Agreement 
by opening or using your Account. If you have a joint Account, each of you is bound by this 
Agreement. Please read this Agreement carefully and save it for future reference.
PARTIES TO THIS AGREEMENT. This Agreement is made between Wells Fargo Financial National 
Bank, 4455 Spring Mountain Road, Las Vegas, NV 89102 (“we,” “us,” and “our”) and each account 
holder, whether primary or joint (“you” and “your”).
CONTACTING US. Unless stated otherwise in this Agreement, you may contact us at the phone 
number or address shown on your statement. For more information, visit us online at wellsfargo.
com/cardholders. 

DEFINITIONS.

Billing Cycle

The interval between statements. Each statement shows a 
closing date. The statement closing date is the last day of the 
Billing Cycle for that statement.

Card

The credit card we may issue to use your Account.

Credit Access Device

Important Terms of Your 
Credit Card Account
Merchant

A device, other than your Card, we allow you to use to access 
credit on your Account.
A  summary  of  your  Account’s  Annual  Percentage  Rates 
(“APRs”), fees and other important information.

Any  merchant  who  has  a  merchant  agreement  with  us  to 
participate in this credit card program.

New Balance

The Outstanding Balance as of a statement closing date.

Outstanding Balance

Payment Address

Payment Due Date

Payment Stub

Sales Slip

The sum of all unpaid amounts, including purchases, interest, 
fees and any other amounts that you may owe us.

The address where you mail your payment. It is located on 
your Payment Stub.

The date the Minimum Payment Due is due to us. It is shown 
on your statement.

The  portion  of  your  statement  that  is  to  be  returned  with 
your payment.

Any  document  that  describes  the  terms  of  a  purchase  on 
the Account.

OVERVIEW  OF  ACCOUNT.  Your  Account  may  be  divided  into  two  or  more  balances. These 
balances may also be referred to as subaccounts. Different terms may apply to different balances.
USING YOUR ACCOUNT. You may use your Account for purchases. Purchases will be part of 
the regular balance unless a Sales Slip shows that special terms apply. If special terms apply, 
the purchase will be part of a special terms balance. Special terms are described later in this 
Agreement (see Special Terms section). 
You  promise  that  you  will  use  your  Account  only  for  lawful  personal,  family  or  household 
purposes. In addition, we reserve the right to deny transactions or authorizations from merchants 
apparently engaging in the Internet gambling business or identifying themselves through the 
Card transaction record or otherwise as engaged in such business. We are not responsible if 
anyone does not allow you to use your Account.
PROMISE TO PAY. When you use your Account, or let someone else use it, you promise to pay 
the total amount of the purchase, as well as any interest, fees or other amounts that you may 
owe us. We may limit or close your Account, but the terms of this Agreement will apply until you 
pay the Account in full.
CREDIT LIMIT. We will assign a Credit Limit to your Account. A Credit Limit is the amount of credit 
we will extend to your Account. Your Credit Limit is provided with your Card and on each of your 
statements. You promise to use your Account only to the Credit Limit. If you exceed your Credit 
Limit, we may authorize the transaction without increasing your Credit Limit. If you exceed your 
Credit Limit, you will remain liable for all amounts payable under this Agreement. We can adjust 
your Credit Limit at any time.
CREDIT  ACCESS  DEVICE.  We  may  provide  you  with  Credit  Access  Device(s)  to  access  your 
Account. The related interest and fee terms will be given to you when you receive the Credit 
Access Device(s).
Fees and Interest 
FEES. You agree to pay the following fees. You will find the fee amounts in the Important Terms 
of Your Credit Card Account. These fees will be charged to your regular balance unless stated 
otherwise below.

•  Late Payment Fee. This fee may be charged each time we do not receive the Minimum Payment 

Due by the Payment Due Date.

•  Returned Payment Fee. This fee may be charged when a payment is dishonored the first time 

or is returned unpaid.

INTEREST  RATES.  We  use  daily  periodic  rates  and  corresponding  APRs  to  figure  interest  on 
balances on your Account. The daily periodic rate is 0.03558%, which is calculated by dividing 
the APR by 365.
WHEN WE CHARGE INTEREST. Unless stated otherwise below, we begin charging interest on a 
purchase or interest charge on the date the purchase or interest charge posts to your Account. 
We begin charging interest on a fee on the first day of the Billing Cycle following the Billing Cycle 
in which the fee posts to your Account. However, if a late payment fee is posted to your Account 
in the current Billing Cycle, but is related to a late payment in the prior Billing Cycle, we will begin 
charging interest on the fee on the first day of the current Billing Cycle. 
HOW TO AVOID PAYING INTEREST ON PURCHASES. Unless described differently in the Special 
Interest Terms section below, you can avoid interest on any portion of a purchase balance shown 
on your current statement that you pay by the Payment Due Date if the balance shown on your 
previous statement was zero or was paid in full by the Payment Due Date.
HOW WE CALCULATE INTEREST—AVERAGE DAILY BALANCE METHOD (INCLUDING NEW 
PURCHASES). The total interest charge is the sum of interest charges (excluding deferred interest 
charges) for each type of balance on your Account (e.g. regular, each special terms balance). 
We figure the interest charge for each type of balance on your Account by applying the daily 
periodic rate to the average daily balance (“ADB”). Then, we multiply this amount by the number 
of days in the Billing Cycle.

Interest charge = daily periodic rate x ADB x number of days in the Billing Cycle.

ADBs for each type of balance are calculated separately, starting with the beginning balance 
on the first day of each Billing Cycle. The beginning balance on the first day of the Billing Cycle 
includes the following:
•  The prior Billing Cycle’s ending balance, which includes any unpaid fees posted to your Account 

in the prior Billing Cycle. 

•  Any late payment fees posted in the current Billing Cycle that are related to a late payment in 

the prior Billing Cycle. 

To get the ADB for each type of balance, we take the beginning balance each day and add any 
new purchases. Except for the first day of each Billing Cycle, we add interest equal to the previous 
day’s balance multiplied by the daily periodic rate. (This means interest is compounded daily.) 
Then, we subtract any payments or credits. This gives us the daily balance. Any daily balance that 
is a credit balance will be treated as zero. Then, we add up all the daily balances for the Billing 
Cycle. We divide this amount by the number of days in the Billing Cycle. This gives us the ADB.

ADB = sum of daily balances ÷ number of days in the Billing Cycle.

MINIMUM INTEREST CHARGE. If you are charged interest in a Billing Cycle, the charge will be 
no less than $1.00.
Payments 
MINIMUM PAYMENT DUE. You promise to pay the Minimum Payment Due by the Payment Due 
Date. The Minimum Payment Due is the sum of:
•  Any past due amounts; plus
•  The payment for Regular Payment Terms (see Regular Payment Terms below); plus 
•  The payment(s) for any balances with Payment in Full/’Equal Payments’ or Custom Payments 

(see Special Payment Terms below).

You may at any time pay, in whole or in part, the Outstanding Balance without any additional 
charge  for  prepayment.  If  you  pay  more  than  the  Minimum  Payment  Due  but  less  than  the 
Outstanding Balance, you are still required to pay the Minimum Payment Due in the next Billing 
Cycle.
REGULAR PAYMENT TERMS. All balances will have Regular Payment Terms unless a Sales Slip 
shows that Payment in Full/’Equal Payments’ or Custom Payments apply. We combine balances 
with Regular Payment Terms (the “Combined Balance”) to figure the payment for these balances. 
A new Combined Balance is figured on the first statement closing date after any balance with 
Regular Payment Terms is established. The Combined Balance does not change unless balances 
with Regular Payment Terms increase above the current Combined Balance.
The payment for balances with Regular Payment Terms will be the greater of:
•  $40.00 (or the sum of balances with Regular Payment Terms if it is less than $40.00); or
•  3.5% of the Combined Balance; or
•  The sum of interest charges for balances with Regular Payment Terms, fees assessed during 

the current Billing Cycle, and 1% of the Combined Balance.

PAYMENT INSTRUCTIONS. Follow these instructions when making a payment:
•  Make your payment in U.S. dollars, but do not send cash.
•  If you make a payment by mail, please include the Payment Stub with your payment. Use the 
envelope enclosed with your statement to mail both documents to the Payment Address. 
Payments received by 5:00 p.m. local time at the Payment Address will be credited as of the 
date of receipt. Payments received after the 5:00 p.m. cut-off time will be credited as of the 
next day. When you provide a check as payment, you authorize us either to use information 
from your check to make a one-time electronic fund transfer from your Account or to process 
the payment as a check transaction. When we use information from your check to make an 
electronic fund transfer, funds may be withdrawn from your Account as soon as the same 
day we receive your payment, and you will not receive your check back from your financial 
institution. Your statement also explains how information on your check is used.

•  If  you  make  a  payment  online,  it  must  be  made  via  our  website,  which  is  shown  on  your 
statement. The cut-off time for online payments will be disclosed at the time of the transaction. 
If you do not follow these instructions, your payments may not receive credit for up to five days 
after we receive it. 

Page 2 of 4

6102OA 1690 (0417)IRREGULAR  PAYMENTS.  We  may  accept  late  payments,  partial  payments  or  payments  that 
reflect “paid  in  full”  (or  other  restrictive  language),  without  losing  our  rights  to  receive  full 
payment.  If  you  intend  to  claim  to  pay  your  Account  in  full  with  an  amount  less  than  the 
Outstanding Balance, payments must be sent to us at Wells Fargo Financial National Bank, P.O. 
Box 14453, Des Moines, IA 50306.
APPLICATION OF PAYMENTS. We apply payment amounts equal to or less than the Minimum 
Payment  Due  at  our  discretion. We  apply  any  payment  amounts  in  excess  of  the  Minimum 
Payment Due as follows:
•  First,  to  balances  with  No  Interest  if  Paid  in  Full  terms  during  the  two  full  Billing  Cycles 
immediately preceding expiration of the special terms period. Otherwise, for purposes of this 
section only, these balances are considered to have an APR of 0%;

•  Then to balances with higher APRs before lower APRs.
Any payment in excess of the Minimum Payment Due is applied based on the balances reflected 
on your last statement. We post payments in the Billing Cycle they are received.
Other Information 
AUTHORIZED USERS. If we permit authorized users on your Account, you may request additional 
Cards for authorized users. You are responsible for all charges (including related interest and 
fees) made by the authorized user. If you want to end an authorized user’s privilege to use your 
Account, before we can process the request, you must:
•  Recover and destroy that person’s Card. If you do not recover and destroy the Card, you will 
continue to be liable for any charges made after you advised us of your wish to cancel the 
privileges, unless you tell us to cancel all Cards and establish a new Account for you.

•  You must notify us of your request by contacting us at the phone number or address shown 

on your statement.  

In  general,  an  authorized  user  is  not  obligated  on  this  Account  and  is  not  liable  for  any
Outstanding Balance or any other charges made by you or by any other authorized user. Each 
authorized  user’s  privilege  ends  automatically  upon  the  death  of  all  account  holders.  If  any 
person uses the Card, such use indicates his or her agreement to pay us, and we may, at our 
discretion, pursue the person for payment of any Outstanding Balance or any other charges 
they authorize. You agree to notify each authorized user that they are subject to all applicable 
sections of this Agreement.
CONTACTING YOU.  By  providing  us  with  any  phone  number,  you  are  expressly  consenting 
permission  to  contact  you  at  that  number  about  all  of  your Wells  Fargo  accounts. You  give 
consent to allow us to contact your past, present and future phone service providers to verify 
the information you have provided against their records. You agree that your phone service 
providers may verify any phone numbers you have supplied to the name, address, and status 
on their records. In order for us to service your Account or to collect any amounts you may owe, 
you  agree  that  we  may  contact  you  using  any  contact  information  related  to  your  Account, 
including any number (i) you have provided to us, (ii) from which you called us, or (iii) which 
we obtained and reasonably believe we can reach you. We may use any means to contact you. 
This may include contact from companies working on our behalf to service your accounts. This 
may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text 
messages and calls to your mobile, wireless or similar device or Voice over Internet Protocol 
(VolP) service, or any other data or voice transmission technology. You are responsible for any 
service provider charges as a result of us contacting you. You agree to promptly notify us if you 
change any contact information you provide to us. This includes your name, mailing address, 
e-mail address(es), or phone number(s). If you have a joint account, a notice to one of you will 
serve as a notice to both of you.
PHONE MONITORING. We may monitor and record your phone calls with us.
LOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You agree to contact us 
immediately if your Card is lost or stolen or if you believe your Account is being used without 
your permission. You may contact us at 1-800-459-8451 or P.O. Box 10347, Des Moines, IA 50306. 
You agree to assist us in our investigation of the matter. If you do this, you will not be held liable 
for the unauthorized use of your Account.
DEFAULT. Your Account will be in default if any of the following occur:
•  You fail to pay the Minimum Payment Due by the Payment Due Date.
•  Any payment is dishonored.
•  You violate the terms of this Agreement.
•  You made an untrue statement on your application.
•  You file for bankruptcy.
If your Account is in default, our rights include, but are not limited to, refusing to authorize further 
transactions, closing your Account, and requiring the immediate payment of the Outstanding 
Balance. If your Account is in default, you also agree to pay our collection costs, attorney’s fees, 
and court costs.
GOVERNING LAW. This Agreement is governed by federal law and to the extent applicable, 
Nevada law, no matter where you live or use your Account.
CHANGE IN TERMS. We may change this Agreement at any time. These changes may apply 
to existing and future balances. We will give you advance written notice of the change(s) 
and a right to reject the change(s) if required by law. We may require you to close your 
Account or take other actions if you reject the changes.
ENFORCING THIS AGREEMENT. We may waive or delay enforcing any of our rights without 
losing them. We may waive or delay enforcing a right against one of you without waiving it as 
to the other.
SEPARATION OF UNLAWFUL PROVISIONS. If any provision of this Agreement is determined 
to be unlawful, the rest of the Agreement will stand and the unlawful provision will be deemed 
amended to conform to law.
INFORMATION SHARING. You authorize us to share your personal and/or Account information 
with nonaffiliates. Nonaffiliates include Merchants, their affiliates, their service providers, and 
program sponsors (“sponsors”). A sponsor is a franchisor, manufacturer, distributor of goods or 
an association of retail sellers. Sponsors have arrangements with us to make credit card programs 
available to Merchants associated with the sponsor. Federal or state laws may limit our ability to 
share your personal and/or Account information with nonaffiliates even though you have given 

us this authorization. We comply with these federal and state laws. Please refer to the Wells Fargo 
Financial National Bank Privacy Notice for more information about how we collect, share, and 
protect your information, as well as how you may limit some, but not all, information sharing.
CREDIT INFORMATION. You promise that any information you give to us in connection with 
your Account is true and complete. You understand that we rely on this information to open 
your Account and extend credit to you. You authorize us to investigate your credit, employment, 
assets, and income records and to verify your credit references. You also authorize us to obtain 
credit reports on you from time to time. 
INFORMATION REPORTING. You agree that we may report your performance, status, and history 
under this Agreement to consumer reporting agencies. If you request additional Cards on your 
Account for others, you understand that we may report Account information in your name as 
well as in the names of those additional cardholders. If you fail to comply with the terms of the 
Account as defined in this Agreement, it will be furnished to the credit reporting agencies and it 
could cause a negative reference on your credit report and the credit reports of any additional 
cardholders. You have the right to dispute the accuracy of information that we have reported by 
writing to us at Wells Fargo Financial National Bank, P.O. Box 14595, Des Moines, IA 50306 and 
describing the specific information that is inaccurate or in dispute and the basis for any dispute 
with supporting documentation. In the case of information that you believe relates to an identity 
theft, you will need to provide us with an identity theft report.
ASSIGNMENT. We have the right to assign your Account to another creditor. The other creditor is 
then entitled to any rights we assign to them. You do not have the right to assign your Account.
SECURITY  INTEREST.  You  grant  us  a  purchase-money  security  interest  under  the  Uniform 
Commercial Code in the goods purchased on your Account. We will retain the purchase-money 
security interest until such goods are paid for in full. You agree to assist us in executing any 
documents necessary to perfect our security interest.
Special Terms 
These terms apply to Special Terms.
SPECIAL TERMS. We may allow you to make purchases at special terms. If a Sales Slip shows 
that special terms apply, then the purchase will be governed by the special terms and the terms 
of this Agreement. You accept the special terms by making the purchase. A Sales Slip will state 
the length of the special terms period, if any. Separate purchases with the same special terms 
may be included in the same special terms balance. If special terms balances are combined, this 
may increase the payment for that balance. If a balance is not paid in full before the end of the 
No Interest or No Interest if Paid in Full period, the balance (and any deferred interest) will be 
transferred to your regular balance.
SPECIAL INTEREST TERMS. A Sales Slip may indicate that one or more of the following special 
interest terms applies. Except for No Interest balances, we will use the same method to calculate 
interest  as  described  above  in  How  We  Calculate  Interest—Average  Daily  Balance  Method 
(Including New Purchases).
•  No Interest. This means there is no interest charge on the purchase balance until the end of 
the special terms period. You may avoid interest on the balance by paying it in full before the 
end of the special terms period.

•  No Interest if Paid in Full. This means we calculate interest on the purchase balance. This amount 
is called the deferred interest charge. The deferred interest charge will not be added to the 
balance unless you do not pay the balance in full by the end of the special terms period. You 
may avoid interest on the balance by paying it in full before the end of the special terms period.
The following No Interest if Paid in Full special terms promotion may be offered to you:

No Interest 
if Paid in Full 
with monthly 
payments

If  the  purchase  balance  is  not  paid  in  full  within  the  special  terms 
period, interest will be charged to your Account from the purchase 
date at a rate of 12.99%. This special terms promotion may be offered 
for  periods  of  6-18  months.  This  special  terms  promotion  will  be 
identified on your statement as “NO INT IF PD IN FULL.” The Special 
Terms End Date will disclose the duration of the special terms.

•  Special Rate. This means the APR shown on the Sales Slip will be used to figure interest on the 
purchase balance. A special rate of 0% APR may be advertised as a “no interest” special terms 
promotion.

SPECIAL PAYMENT TERMS. A Sales Slip may indicate that one or more of the following special 
payment terms applies.
•  Payment in Full/’Equal Payments’. This means the payment is the amount required to pay the 
initial  purchase  balance  shown  on  your  statement  in  full  during  the  special  terms  period. 
Because of rounding, the final payment could be less than other payments.

•  Custom Payments. This means the payment is a set dollar amount or a fraction or percent of 
the highest balance of this type on any statement closing date. The payment will not change 
unless, on a future statement closing date, the balance increases above the highest balance.

Interpreter Certification 
INTERPRETER CERTIFICATION. THIS CERTIFICATION APPLIES IF YOU CHOSE TO DISCUSS WITH 
US OR THE MERCHANT THE TERMS AND CONDITIONS OF YOUR ACCOUNT IN SPANISH, CHINESE, 
KOREAN, VIETNAMESE, OR TAGALOG. By signing the credit card application, using or otherwise 
accepting the Card or related Account issued to you, you certify to Wells Fargo Financial National 
Bank (us) that: (1) You have received and discussed this Agreement with your interpreter and that 
you and your interpreter have been given an opportunity to discuss and negotiate with us or the 
Merchant the terms and conditions contained in these enclosed documents; (2) Your interpreter 
is at least 18 years old and is fluent both in English and in the language in which you chose to 
discuss with us or the Merchant the terms and conditions of your Account, and is not employed 
by or made available through the Merchant; (3) You understand and agree to the terms and 
conditions contained in these enclosed documents as written.
CERTIFICACIÓN DEL INTÉRPRETE. ESTA CERTIFICACIÓN ES DE APLICACIÓN SI USTED ELIGE 
DISCUTIR CON NOSOTROS O EL COMERCIANTE LOS TÉRMINOS Y CONDICIONES DE SU CUENTA 
EN  ESPAÑOL. Al  firmar  la  solicitud  de  tarjeta  de  crédito,  utilizar  o  de  otra  manera  aceptar  la 
tarjeta o cuenta relacionada que le hayamos emitido, usted certifica ante Wells Fargo Financial 
National Bank (nosotros) que: (1) usted ha recibido y discutido este acuerdo con su intérprete 

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y se le ha otorgado a usted y a su intérprete la oportunidad de discutir y negociar con nosotros 
o  el  Comerciante  los  términos  y  condiciones  contenidos  en  estos  documentos  adjuntos;  (2) 
su intérprete tiene por lo menos 18 años de edad y domina con fluidez tanto el idioma inglés 
como el idioma en el cual usted decide discutir con nosotros o el Comerciante los términos y 
condiciones de su cuenta, y no está empleado o ha sido facilitado por el Comerciante; (3) usted 
comprende y conviene en los términos y condiciones contenidos en estos documentos adjuntos, 
según están escritos.
傳譯員確認書。如果您選擇用中文和我們或商家討論有關您的帳戶的條款和條件 本，
確認書適用   如果您簽署信用卡申請書 使用或以其他方式接受富國銀行（Wells  Fargo 
Financial  National  Bank 「我們」）核發給您的卡或相關帳戶 您即向我們確認：(1)  您已
經收到並與您的傳譯員討論過本協議 而且您及您的傳譯員已有機會與我們或商家討論
、
協商本文件中包含的條款及條件 (2) 您的傳譯員至少年滿18歲 並能夠流利使用英文和中
文（您選擇用中文與我們或商家討論您帳戶的條款及條件） 且該傳譯員並非商家僱員
，
亦非經由商家安排 (3) 您理解並同意本文件中包含的現有書面條款與條件
통역사 인증. 귀하의 계좌 이용약관에 대해 저희 또는 가맹점과 한국어로 논의할 것을 
선택하셨다면 이 인증이 적용될 것입니다. 카드 신청서에 서명하거나, 귀하에게 발행된 
카드 혹은 관련 계좌를 사용하거나 수락함으로써 귀하는 Wells Fargo Financial National 
Bank(저희)에 다음에 명시된 사항을 보증하시게 됩니다. (1) 귀하는 귀하의 통역사와 함께 
이 동의서를 받고 검토하였으며, 귀하와 귀하의 통역사에게 이 동봉된 서류들의 약정에 대해 
저희 또는 가맹점과 논의하고 검토할 수 있는 기회를 드렸습니다. (2) 귀하의 통역사는 18 
세 이상이며, 영어와 귀하가 저희 또는 가맹점과 귀하의 이용약관에 대해 논의할 언어로 
선택한 한국어에 모두 능통하며, 가맹점에서 또는 가맹점을 통해 고용하지 않았습니다. (3) 
귀하는 이 동봉된 서류들에 기재된 이용약관을 이해하며 그 내용에 동의합니다.
CHỨNG NHẬN THÔNG DỊCH VIÊN. SỰ CHỨNG NHẬN NÀY ÁP DỤNG NẾU QUÝ VỊ 
ĐÃ QUYẾT ĐỊNH BÀN THẢO VỚI CHÚNG TÔI HAY NGƯỜI BÁN HÀNG VỀ CÁC ĐIỀU 
KIỆN VÀ ĐIỀU KHOẢN CỦA TRƯƠNG MỤC BẰNG TIẾNG VIỆT. Khi ký tên vào đơn xin 
thẻ tín dụng hoặc sử dụng hay chấp thuận Thẻ hoặc Trương Mục liên quan được cấp cho quý vị, 
quý vị chứng nhận với Wells Fargo Financial National Bank (chúng tôi) rằng: (1) Quý vị đã nhận 
được và bàn thảo bản Thỏa Thuận này với thông dịch viên của quý vị, và quý vị và người này đã 
có cơ hội bàn thảo và thương lượng với chúng tôi hay Người Bán Hàng về các điều khoản và điều 
kiện trong những văn kiện đính kèm này. (2) Thông dịch viên của quý vị đã ít nhất 18 tuổi và thông 
thạo cả Anh ngữ và ngôn ngữ mà quý vị chọn để thảo luận với chúng tôi hay Người Bán Hàng về 
các điều khoản và điều kiện của Trương Mục của quý vị. Thông dịch viên cũng không phải là nhân 
viên của Người Bán Hàng hoặc do Người Bán Hàng cung cấp cho quý vị. (3) Quý vị hiểu và đồng 
ý với các điều khoản và điều kiện chứa trong những văn kiện đính kèm này.
SERTIPIKO  NG  TAGAPAGSALING-WIKA.  ANG  KATIBAYANG  ITO  AY  MALALAPAT  KAPAG 
NAGPASIYA KAYONG MAKIPAG-USAP SA AMIN O SA MANGANGALAKAL UKOL SA MGA TAKDA 
AT  KONDISYON  NG  INYONG  ACCOUNT  SA  TAGALOG.  Sa  pagpirma  ng  aplikasyon  para  sa 
credit card, paggamit o kaya’y sa pagtanggap ng Card o kaugnay na Account na ibinigay sa 
inyo, pinapatunayan ninyo sa Wells Fargo Financial National Bank (kami) na: (1) Natanggap at 
napag-usapan  ninyo  ng  inyong  tagapagsaling-wika  ang  Kasunduang  ito  at  kayo  ng  inyong 
tagapagsaling-wika  ay  nabigyan  ng  pagkakataon  na  makipag-usap  at  makipagkasundo  sa 
amin o sa Mangangalakal tungkol sa mga takda at kondisyon na nilalaman ng mga nakalakip 
na  dokumentong  ito;  (2)  Ang  inyong  tagapagsaling-wika  ay  hindi  kukulangin  sa  18  taong 
gulang at matatas sa Ingles at wikang Tagalog na pinili ninyo upang makipag-usap sa amin 
o  sa  Mangangalakal  tungkol  sa  mga  takda  at  kondisyon  ng  inyong  Account,  at  hindi  siya 
tauhan  ng  Mangangalakal  o  nakuha  sa  pamamagitan  ng  Mangangalakal;  (3)  Naiintindihan 
ninyo at sumasang-ayon kayo sa mga takda at kondisyon na nilalaman ng mga nakalakip na 
dokumentong ito.
Notices 
IMPORTANT STATEMENT CONCERNING ACTIVE DUTY MILITARY SERVICE: If you apply for 
or establish this Account on or after October 3, 2017 and 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 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 spouse 
or dependent may not exceed an annual percentage rate of 36 percent. This rate must include, 
as applicable to the credit transaction or account: The costs associated with credit insurance 
premiums;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any 
application fee charged (other than certain application fees for specified credit transactions or 
accounts); and any participation fee charged (other than certain participation fees for a credit 
card account). Please Note:  There are NO credit insurance premiums, fees for ancillary products, 
or application fees with this Account. 
You may contact us at 1-800-338-3273 for information about the Military Annual Percentage 
Rate and a description of your account opening disclosures.
IN CA: A married applicant may apply for a separate account. After credit approval, each applicant 
will have the right to use this Account to the extent of any limit set by us, and may be liable for 
all amounts extended under this Account to any joint applicant.
IN NJ: Certain provisions of this Agreement are subject to applicable law. As a result, they may 
be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, 
is void, unenforceable or inapplicable in New Jersey.
IN NY, RI & VT: A consumer report may be requested in connection with this application or any 
update, renewal or extension of any credit granted as a result of this application. Upon your 
request, you will be informed whether a report was obtained, and if so, the name and address 
of the consumer report agency. You consent to our obtaining of such reports by signing or 
otherwise submitting a credit application.
IN  OH:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally 
available to all creditworthy customers, and that credit reporting agencies maintain separate 
credit histories on each individual upon request. The Ohio Civil Rights Commission administers 
compliance with this law.

IN WI: If you are applying either individually or jointly with someone other than your spouse, 
please contact us immediately at: 1-855-412-2787 and provide us with the name and address of 
your spouse. We are required by law to inform your spouse that you have opened an account 
with us. Also, please note that no provision of a marital property agreement (including a Statutory 
Individual  Property  Agreement  pursuant  to  Sec.  766.587,  Wis.  Stat.),  unilateral  statement 
classifying income from separate property under Sec. 766.59, or court decree under Sec. 766.70 
adversely  affects  the  creditor  unless  the  creditor  is  furnished  with  a  copy  of  the  document 
prior to the credit transaction or has actual knowledge of its adverse provisions at the time the 
obligation is incurred.
Your Billing Rights: Keep This Document For Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Wells Fargo Financial National Bank 
P.O. Box 522 
Des Moines, IA 50306
In your letter, give us the following information:
Account information: Your name and account number.
• 
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your bill, describe what you believe 

is wrong and why you believe it is a mistake.

You must contact us:
•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, if you want to stop 

payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not 
required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will 

also tell you if we have already corrected the error.

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you 

why we believe the bill is correct.

While we investigate whether or not there has been an error:
•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as  delinquent  on  that 

• 

amount.
The charge in question may remain on your statement, and we may continue to charge you 
interest on that amount.

•  While you do not have to pay the amount in question, you are responsible for the remainder 

of your balance.

•  We can apply any unpaid amount against your credit limit.
After We Finish Our Investigation, One Of Two Things Will Happen
• 

If we made a mistake: You will not have to pay the amount in question or any interest or 
other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along 
with applicable interest and fees. We will send you a statement of the amount you owe 
and the date payment is due. We may then report you as delinquent if you do not pay the 
amount we think you owe.

• 

If you receive our explanation but still believe your bill is wrong, you must write to us within 
10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
without also reporting that you are questioning your bill. We must tell you the name of anyone 
to whom we reported you as delinquent, and we must let those organizations know when the 
matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, 
and you have tried in good faith to correct the problem with the merchant, you may have the 
right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true:
1.  The purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the purchase price must have been more than $50. (Note: Neither of 
these are necessary if your purchase was based on an advertisement we mailed to you, or if 
we own the company that sold you the goods or services.)

2.  You must have used your credit card for the purchase. Purchases made with cash advances 

from an ATM or with a check that accesses your Credit Card Account do not qualify.

3.  You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
writing at:
Wells Fargo Financial National Bank 
P.O. Box 522 
Des Moines, IA 50306
While we investigate, the same rules apply to the disputed amount as discussed above. After 
we finish our investigation, we will tell you our decision. At that point, if we think you owe an 
amount and you do not pay, we may report you as delinquent.

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