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. 3
Section 12 : Pg. 6
Section 13 : Pg. 6
Section 20 : Pg. 9
Section 22 : Pg. 11
Section 31 : Pg. 13
Section 32 : Pg. 15
Section 33 : Pg. 16

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 33 about interpreter certification before
you activate your credit card.
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Antes de activar su tarjeta de crédito, lea la sección 33
con respecto a una certificación importante. 

Your Contract With Us

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

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

Pg. 1

(3) Definitions

APR
Billing Cycle
or Billing
Period

Card

Cash
Advance

Credit Access
Device

Important
Terms of
Your Credit
Card
Account
New Balance

Outstanding
Balance

Payment
Due Date

Purchase

An Annual Percentage Rate (APR).
The interval between billing
statements. Each billing statement
shows a closing date. The statement
closing date is the last day of the
Billing Cycle for that billing statement.
Any credit card we issue to use your
Account.
Obtaining cash or funds using your
Account by:
•
•

presenting your Card at a bank that
accepts 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.

The Outstanding Balance as of a
statement closing date.

The sum of all unpaid amounts,
including Purchases, Cash Advances,
balance transfers, interest, fees and
any other amounts that you may owe
us.
The date the Minimum Payment is
due to us. The Payment Due Date will
be at least 25 days from the statement
closing date. It is shown on your
billing statement.

The use of your Account to:
• buy or lease goods or services;
•

make any transaction that is not a
Cash Advance, balance transfer, or
other type of transaction we may
identify.
Other terms are defined in the Agreement below.

Pg. 2

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

(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

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(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.

•

•

•

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

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

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

Cash Advances from ATMs may be limited by amount
or frequency:
•

A total daily withdrawal limit of $500;

Pg. 3

•

A maximum limit of $500 for any single ATM
withdrawal;
No more than five ATM withdrawals per day; and

•
The ATM owner may impose more restrictive limits.

If the ATM owner charges a surcharge or convenience
fee for  withdrawing cash, the amount of  that  fee will
be included as part of the total Cash Advance amount.
You  may  elect  to  have  an  automatic  Cash  Advance
from  your Account  to  cover  an  overdraft  on a  linked
Wells Fargo checking account.

We  determine  the  overdraft  advance  amount  as
follows:
•

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

The  applicable  APR  and  transaction  fee  that  apply  to
overdraft  protection  advances  are 
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.

listed 

If there is more than one person listed on the checking
account  (such  as  a  joint  checking  account)  that  you
have linked for overdraft protection, then:
•

You will be  responsible for  all overdraft protection
advances  regardless  of  which  person  writes  the
check or engages in any other transaction (such as
a  debit  card  purchase)  that  causes  the  overdraft;
and

• You  agree  to  allow  us  to  disclose  to  any  other
person on your checking account, that  this Card  is
linked  to  your  checking  account  for  overdraft
protection.

•

We reserve the right to cancel, suspend, or change the
terms  or  conditions  of  your  overdraft  protection
service at any time, for any reason.
Credit Access Devices.  You may access credit on your
Account by using your  Card, or another Credit Access
Device  (such  as  SUPERCHECKS™  or  balance  transfer
checks). 

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

You  may  not  write  a  SUPERCHECKS  check  as
payment on your Account.
Only  the  person  whose  name  is  printed  on  a
SUPERCHECKS check may use it.

•

Pg. 4

•

•
•

•

All  SUPERCHECKS  checks  must  be  written  in  U.S.
dollars.
We will not certify SUPERCHECKS checks.
If  you  have  a  dispute  which  you  are  unable  to
resolve  with  a  merchant  about  payment 
for
property  or  services  that  you  paid  for  using  a
SUPERCHECKS  check, you will not be allowed to file
a  claim  against  the  bank  to  reimburse  you  for  this
transaction.
We reserve the right to put conditions on the use of
SUPERCHECKS  checks  and  to  reject,  decline  and
return unpaid any SUPERCHECKS check or advance
at our discretion.

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

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

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

•

•

Recover  and  destroy  that  person's  Card.  If  you  do
not recover and destroy the Card, you will continue
to be liable for any charges made after you advised
us of your wish to cancel the privileges, unless you
tell  us  to  cancel  all  Cards  and  establish  a  new
Account for you.
You  may  telephone  us,  however  you  must  follow
up  your  call  with  a  notice  in  writing.  We  must
receive  your  written  instructions  before  we  can
process a change or cancellation.

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

Pg. 5

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

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

•
•

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

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

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

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

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

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.
Pg. 6

•

•

Balance  Transfer  Fee.  This  fee  may  be  charged  if
you engage in a balance transfer transaction.
Cash Advance Fee. This fee may be charged when a
Cash Advance is posted to your Account.

•

• Overdraft Protection Advance Fee. This fee may be
charged  when  an  overdraft  amount  is  advanced  to
the checking account linked by you to your Account.
Foreign  Currency  Conversion  Fee.  This  fee  may  be
charged on each Purchase transaction converted into a
U.S. dollar amount by American Express.
Late  Fee.  This  fee  may  be  charged  each  time  we  do
not receive the required Minimum Payment due by the
Payment Due Date.
Returned Check or Returned Payment Fee. This fee
may be charged when a payment is not processed the
first time or is returned unpaid.

•

•

Additional fees may be charged if agreed between you and
us. All fees will be added to the Purchases balance, except
Cash Advance fees and Overdraft Protection Advance fees
which will be added to the Cash Advance balance on your
Account.

(14) Foreign Currency Transactions. 
•

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.

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

•

Introductory  /  Promotional  APRs.  If  your  Account  is
eligible  for  one  or  more 
introductory  rates,  the
Important  Terms  of  Your  Credit  Card  Account  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
____________

Pg. 7

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.

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
the
document  that  accompanies  your  Card 
Standard  APRs  and  daily  periodic  rates  for  Purchases,
balance  transfers,  Cash  Advances,  and  overdraft
protection advances applicable to your Account.

for 

How We Calculate Your Daily Periodic Rates. 
The daily periodic rates are calculated by dividing each
applicable APR by 365.

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

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

Pg. 8

posted to your  Account  in the  current Billing  Cycle,  but  is
related to a late payment in the prior Billing  Cycle, we will
begin  charging  interest  on  the  fee  on  the  first  day  of  the
current Billing Cycle.

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

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

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

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

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

Billing Statements And Payments

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

Pg. 9

(21) Payments.
•

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
for  which  the  Minimum
the  Billing  Cycle 
Payment  is  calculated  plus  2%  of  the  New
Balance shown on the billing statement; or
$25.00  (or  the  entire  balance  on  the  Account  if
the New Balance is less than $25.00).

(2)

•

•

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

(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.

the  payment 

Payment  Instructions.  Follow  these  instructions
when making a payment:
•

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

•

Pg. 10

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.

through  procedures  established  by 

Any  payment  submitted  to  us  in  the  form  of  a  check  or
other paper  document may be  converted  to  an  electronic
transaction 
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

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

•
•
•

You  fail  to  pay  a  Minimum  Payment  by  the
Payment Due Date;
Any payment is dishonored;
You violate any terms of this Agreement;

Pg. 11

•
•

You made an untrue statement on your application;
OR
You file for bankruptcy.

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

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

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

the  address 

to  waive 

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

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

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

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

(28)  Information  Reporting.  You  agree  that  we  may
report  your  performance,  status,  and  history  under  this
Agreement to consumer reporting agencies. If you request
for  others,  you
additional  Cards  on  your  Account 

Pg. 12

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

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

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

Arbitration

Program:  Arbitration

(31)  Dispute  Resolution 
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
______________

Pg. 13

BANK  SHALL  BE  ENTITLED  TO  JOIN  OR  CONSOLIDATE
IN  ANY
DISPUTES  BY  OR  AGAINST  OTHERS 
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
  Each  arbitration,
ATTORNEY  GENERAL  CAPACITY. 
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 
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
If  any  of  the  provisions  of  this  Arbitration
Dakota. 
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
shall  be
and 
unenforceable.

this  entire  Arbitration  Agreement 

transactions 

involving 

in 

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 
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.

relief,  attachment,  garnishment,  or 

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

Pg. 14

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 
inconsistent  with
limitation.  Unless 
applicable  law,  each  of  us  shall  bear  the  expense  of  our
own attorney, expert and witness fees, regardless of which
of us prevails in the arbitration.

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

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

rights  and  our

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

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

In your letter, give us the following information:

Your name and Account number;

•
• The date and dollar amount of the suspected error.
• If you think there is an error on your bill, describe what
you  believe  is  wrong  and  why  you  believe  it  is  a
mistake.

You must contact us:

•

•

Within  60  days  after  the  error  appeared  on  your
statement.
At least 3 business days before an automated payment
is  scheduled,  if  you  want  to  stop  payment  on  the
amount you think is wrong.

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

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

1.

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.

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.

•

Pg. 15

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.

2.

3.

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.

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

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

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

Interpreter Certification

Section  (33)  THIS  CERTIFICATION  APPLIES  IF  YOU
CHOSE  TO  DISCUSS  WITH  US  THE  TERMS  AND

Pg. 16

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  (33)  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. 17

Pg. 18

This panel intentionally left blank

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

EDS & Travel 9/13
NA-4606-0913

M-109479
LS 8591

Important Terms of Your Credit Card Account 
Pricing Addendum for Wells Fargo Propel 365 American Express® Card 
As of 2/15/2014 

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 $45 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 2/15/2014 

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% 

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