CONSUMER CREDIT CARD  
CUSTOMER AGREEMENT & DISCLOSURE STATEMENT  
VISA� OR MASTERCARD�  
Table of Contents:  
Your Contract With Us:   Section 1   : Pg. 1  
Using Your Account:  Section 6   : Pg. 2  
Changes To This Agreement:  Section 12 : Pg. 3  
Fees And Interest:  Section 13 : Pg. 3  
Billing Statements And Payments:   Section 20 : Pg. 4  
Other Important Information:  Section 22 : Pg. 5  
Arbitration:  Section 31 : Pg. 5  
Your Billing Rights:  Section 32 : Pg. 6  
Interpreter Certification:  Section 33 : Pg. 6  
Notice To California Cardholders  

To our California customers who have discussed credit card terms and conditions with us in Spanish, Chinese, Korean, Vietnamese, or Tagalog: 
Read Section 33 about interpreter certification before you activate your credit card. Antes de activar su tarjeta de cr�dito, lea la secci�n 33 con respecto a una certificaci�n 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�). 

(3) 
Definitions. 


APR  An Annual Percentage Rate (APR).  
Billing Cycle or Billing Period  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.  
Card  Any credit card we issue to use your Account.  
Cash Advance  Obtaining cash or funds using your Account by: � presenting your Card at a bank that accepts MasterCard or Visa;  � 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.  
Credit Access Device  A device, other than your Card, (such as SUPERCHECKS� checks, balance transfer checks) we allow you to use to access credit on your Account.  
Important Terms of Your Credit Card Account  A summary of your Account�s APRs, fees and other important information.  
New Balance  The Outstanding Balance as of a statement closing date.  
Outstanding Balance  The sum of all unpaid amounts, including Purchases, Cash Advances, balance transfers, interest, fees and any other amounts that you may owe us.  
Payment  Due Date  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.  
Purchase  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. 
(4) 
Contacting Us. Unless stated otherwise in this Agreement, you may contact us at the phone number or address shown on your billing statement.  Pg. 1 

(5) 
Contacting You. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account. We may use any means to contact you. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone. You are responsible for any service provider charges as a result of us contacting you. You agree to promptly notify us if you change any contact information you provide to us. This includes your name, mailing address, e-mail addresses, or phone numbers. If you have a joint Account, a notice to one of you will serve as a notice to both of you. 


Using Your Account 
(6) Using Your Account. This is a consumer credit card Account which you may use for Purchases, balance transfers, Cash Advances and any other transactions we allow you to complete. You promise that you will use your Account only for lawful personal, family, or household purposes. We reserve the right to deny transactions or authorizations from merchants apparently engaging in the internet gambling business or identifying themselves through the Card transaction record or otherwise as engaged in such business.  We are not responsible if anyone does not allow you to use your Account or refuses to accept any other Credit Access Device.  We may decline any transaction at any time. 
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Purchases. You may use your Account for Purchases. Tax payments (including any fees charged by an associated agency) are Purchases.  

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Balance Transfers. You may use your Account for balance transfers. The applicable APR and balance transfer fees are listed in the Important Terms of Your Credit Card Account or with the balance transfer offer or check you receive. There is no grace period on balance transfers. We begin charging interest on balance transfers on the date the balance transfer is posted to your Account. 

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Cash Advances. You may use your Account for Cash Advances. The applicable APR and Cash Advance fees are listed in the Important Terms of Your Credit Card Account.  We may limit your total Cash Advances to a portion of your total credit limit. There is no grace period on Cash Advances. We begin charging interest on Cash Advances on the date the Cash Advance is posted to your Account. 


Cash Advances from ATMs may be limited by amount or frequency:  
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 A total daily withdrawal limit of $500; 

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 A maximum limit of $500 for any single ATM withdrawal; 

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 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 listed in the Important Terms of Your Credit Card Account. Overdraft protection advances, and applicable interest and fees, may cause your Account balance to exceed your credit limit. 
If there is more than one person listed on the checking account (such as a joint checking account) that you have linked for overdraft protection, then: 
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 You will be responsible for all overdraft protection advances regardless of which person writes the check or engages in any other transaction (such as a debit card purchase) that causes the overdraft; and  

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 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. 
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 You may not write a SUPERCHECKS check as payment on your Account.  

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 Only the person whose name is printed on a SUPERCHECKS check may use it. 

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 All SUPERCHECKS checks must be written in U.S. dollars. 

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 We will not certify SUPERCHECKS checks.  

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 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. 

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 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: 
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 Recover and destroy that person's Card. If you do not recover and destroy the Card, you will continue to be liable for any charges made after you advised us of your wish to cancel the privileges, unless you tell us to cancel all Cards and establish a new Account for you. 

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 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. 

(9) 
Promise to Pay. When you use your Account or let someone else use it, you promise to pay the total amount of the Purchases, Cash Advances, and balance transfers, plus all interest, fees and other amounts that you may owe us. We may limit or close your Account, but the terms of this Agreement will apply until you pay the Account in full. 

(10) 
Credit Limit. 


We may assign the following limits to your Account: 
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 Credit Limit. This is the amount of credit we will extend to your Account. 

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 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 
(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 
(13) Fees. You agree to pay the following fees. You will find the fee amounts in the Important Terms of Your Credit Card Account. 
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Annual Fee. This fee may be charged if applicable. If your Account has an annual fee, you are responsible for paying it every year while your Account is open. The annual fee will not continue to be billed after your Account is closed. 

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Balance Transfer Fee. This fee may be charged if you engage in a balance transfer transaction. 

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Cash Advance Fee. This fee may be charged when a Cash Advance is posted to your Account. 

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Overdraft Protection Advance Fee. This fee may be charged when an overdraft amount is advanced to the checking Account linked by you to your Account. 

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Foreign Currency Conversion Fee. This fee may be charged on each Purchase transaction converted into a U.S. dollar amount by MasterCard or Visa. 

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Late Fee. This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date. 

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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 which will be added to the Cash Advance balance on your Account.  
(14) Foreign Currency Transactions. 
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MasterCard. If you make a transaction with your MasterCard Card in a currency other than U.S. dollars, MasterCard International Incorporated ("MasterCard") will convert the charge into U.S. dollars using its currency conversion procedure. Currently, the currency conversion rate used by MasterCard for such transactions is generally either a government-mandated rate or a wholesale rate determined by MasterCard for the processing cycle in which the transaction is processed. The currency conversion rate used by MasterCard for the processing date may differ from the rate in effect on the date of the transaction or the date the transaction is posted to your Account. 

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Visa. If you make a transaction in a currency other than U.S. dollars using a Visa Card, then Visa International �Visa� will convert the charge into a 

U.S. dollar amount. The exchange rate between the transaction currency and the billing currency used for processing international transactions is either (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. The currency conversion rate for the processing date may differ from the rate in effect on the date of the transaction or the date the transaction is posted to your Account. 

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Point of Sale Conversion. Some merchants outside the United States offer cardholders the option of having Card transactions converted to U.S. dollars by Visa or MasterCard, as described above, or by the merchant itself. If the latter option is chosen, the currency conversion rate is determined solely by the merchant involved in the transaction, and no foreign currency conversion fee is charged by the bank for the transaction. 

(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. 

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Introductory / Promotional APRs. If your Account is eligible for one or more introductory rates, the Important Terms of Your Credit Card Account describe the duration, the transactions to which the introductory rates apply, the introductory daily periodic rates, and the corresponding APRs applicable to your Account as of the date your Account opened. If a promotional rate is offered after your Account is open, the terms applicable to that promotional APR will be provided at that time. After the introductory rates or any other promotional rates expire, the remaining balances will be subject to the applicable Standard or Standard Variable APR terms. 

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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 displays the amount of the 

"Margin" on Purchases, balance transfers, Cash Advances, and overdraft protection advances, and daily periodic rates that apply to your Account. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. If the APR changes due to a change in the U.S. Prime Rate, the new APR will apply as of the first day of your Billing Cycle. Any changes will apply to both existing and future balances on your Account. The APR will continue to vary even if your Account is closed. 

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Standard APRs. If your Account is subject to Standard APRs, the Standard APRs will not vary with the market based on the U. S. Prime Rate. However, we may change the Standard APRs from time to time in accordance with section 12 above. Please refer to the Important Terms of Your Credit Card Account for the Standard APRs and daily periodic rates for Purchases, balance transfers, Cash Advances, and overdraft protection advances applicable to your Account. 

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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 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 
(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.  

(21) 
Payments 


� Minimum Payment. You promise to pay the Minimum Payment due by the Payment Due Date. The �Minimum Payment� is any past due amount plus the larger of: 
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 The sum of the fees and interest billed during the Billing Cycle for which the Minimum Payment is calculated plus 1% of the New Balance shown on the billing statement (the Minimum Payment is then rounded-up to the next highest whole dollar amount); or 

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 $15.00 (or the entire balance on the Account if the New Balance is less than $15.00). 


Credits will not be used to meet the Minimum Payment. In addition, any past due amount is due and payable immediately. If your balance exceeds your credit limit, we also require that you pay the over limit amount, but that amount is not included in your Minimum Payment due. 
� Payment Instructions. Follow these instructions when making a payment: 
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 Make your payment in U.S. dollars, but do not send cash. Unless the payment is made electronically, it must be in the form of a personal check, money order, or cashier's check and capable of being processed through the Federal Reserve System. Payments must be drawn on a United States bank. If we choose to accept a payment made in a foreign currency, we will temporarily credit the Account, until the U.S. currency conversion is complete. We will then reverse the temporary credit and post the U.S. currency converted amount. 

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 If you choose to make a payment by mail, please mail to the payment address designated on your billing statement using the envelope and the payment coupon enclosed with your billing statement. Payments received by 5:00 p.m. local time at the location to which the payment is mailed, will be credited as of the date of receipt. Payments received after 5:00 p.m., will be credited as of the next day. 

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 If you choose to make a payment online via Wells Fargo Online Banking at wellsfargo.com, the cut-off time for online payments will be disclosed at the time of the transaction. 


If you do not follow these instructions, or make a payment using a money transfer other than the transfer feature on Wells Fargo Online Banking, your payment may not receive credit for up to five days after we receive it. 
Any payment submitted to us in the form of a check or other paper document may be converted to an electronic transaction through procedures established by the National Automated Clearing House Association. If this occurs, the original check or other document that you send to us will not be retained, but a copy would be available if requested. 
We may, at our discretion, withhold a portion of the available credit on this Account up to the amount of any payments in order to assure that the check or other payment instrument is honored. You may not make a payment on this Account using any credit or loan Account (including, without limitation, any instrument drawn on such Accounts) held with Wells Fargo Bank, N.A., Wells Fargo & Company, or any of their affiliates or subsidiaries, and we may refuse any such payments in our sole discretion. 
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 You may not use SUPERCHECKS checks, drawn on this Account, to make any payment on this Account. 

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 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. 

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 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: 
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 You fail to pay a Minimum Payment by the Payment Due Date;  

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 Any payment is dishonored; 

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 You violate any terms of this Agreement; 

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 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 to waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21). 

(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)EnforcementRights.  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 additional Cards on your Account for others, you understand that we may report Account information in your name as well as in the names of those additional cardholders. If you fail to make your Minimum Payment on time, it could cause a negative reference on your credit report and the credit reports of any additional cardholders. You have the right to dispute the accuracy of information that we have reported by writing to us at P.O. Box 5445, Portland, OR 97228-5445 and describing the specific information that is inaccurate or in dispute and the basis for any dispute with supporting documentation. In the case of information that you believe relates to an identity theft, you will need to provide us with an identity theft report. 

(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 
(31) 
Dispute Resolution Program: Arbitration Agreement. 

a. 
Binding Arbitration. You and Wells Fargo Bank, N.A. (the "Bank") agree that if a Dispute arises between you and the Bank, upon demand by either you or the Bank, the Dispute shall be resolved by the following arbitration process. The foregoing notwithstanding, the Bank shall not initiate an arbitration to collect a consumer debt, but reserves the right to arbitrate all other disputes with its consumer customers. A "Dispute" is any unresolved disagreement between you and the Bank. It includes any disagreement relating in any way to the Card or related services, Accounts, or matters; to your use of any of the Bank's banking locations or facilities; or to any means you may use to access the Bank. It includes claims based on broken promises or contracts, torts, or other wrongful actions. It also includes statutory, common law, and equitable claims. A Dispute also includes any disagreements about the meaning or application of this Arbitration Agreement. This Arbitration Agreement shall survive the payment or closure of your Account. YOU UNDERSTAND AND AGREE THAT YOU AND THE BANK ARE WAIVING THE RIGHT TO A JURY TRIAL OR TRIAL BEFORE A JUDGE IN A PUBLIC COURT. As the sole exception to this Arbitration Agreement, you and the Bank retain the right to pursue in small claims court any Dispute that is within that court's jurisdiction. If either you or the Bank fails to submit to binding arbitration following lawful demand, the party so failing bears all costs and expenses incurred by the other in compelling arbitration. 

b. 
Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or other proceeding has been previously commenced. NEITHER YOU NOR THE BANK SHALL BE ENTITLED TO JOIN OR CONSOLIDATE DISPUTES BY OR AGAINST OTHERS IN ANY ARBITRATION, OR TO INCLUDE IN ANY ARBITRATION ANY DISPUTE AS A REPRESENTATIVE OR MEMBER OF A CLASS, OR TO ACT IN ANY ARBITRATION IN THE INTEREST OF THE GENERAL PUBLIC OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Each arbitration, including the selection of the arbitrator(s), shall be administered by the American Arbitration Association (AAA), or such other administrator as you and the Bank may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the "Arbitration Administrator"), according to the Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes ("AAA Rules"). To the extent that there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrator(s) must be members of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the Dispute. No arbitrator or other party to an arbitration proceeding may disclose the existence, content, or results thereof, except for disclosures of information by a party required in the ordinary course of its business or by applicable law or regulation. You and the Bank (the "Parties") agree that in this relationship: (1) The Parties are participating in transactions involving interstate commerce; and (2) This Arbitration Agreement and any resulting arbitration are governed by the provisions of the Federal Arbitration Act (Title 9 of the United States Code), and, to the extent any provision of that Act is inapplicable, unenforceable or invalid, the laws of the state of South Dakota. If any of the provisions of this Arbitration Agreement dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be illegal or unenforceable, that invalid provision shall not be severable and this entire Arbitration Agreement shall be unenforceable. 

c. 
Rights Preserved. This Arbitration Agreement does not prohibit the Parties from exercising any lawful rights or using other available remedies to preserve, foreclose, or obtain possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment, or the appointment of a receiver by a court of competent jurisdiction. Any statute of limitations applicable to any Dispute applies to any arbitration between the Parties. The provisions of this Arbitration Agreement shall survive termination, amendment, or expiration of the Card or any other relationship between you and the Bank. 

d. 
Fees and Expenses of Arbitration. Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the state in which you opened your Account limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall exceed this limitation. Unless inconsistent with applicable law, each of us shall bear the expense of our own attorney, expert and witness fees, regardless of which of us prevails in the arbitration. 

(32) 
Your Billing Rights Keep This Notice For Future Use. 


This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find a Mistake on Your Statement If you think there is an error on your statement, write to us at: 
Wells Fargo Card Services P.O. Box 522 Des Moines, IA 50306-0522 
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. 
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 amount you question even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 
1. 
The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)  

2. 
You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a check that accesses your credit card Account do not qualify. 

3. 
You must not yet have fully paid for the Purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: 


Wells Fargo Card Services PO Box 10347 Des Moines, IA 50306 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
Interpreter Certification 
Section (33) THIS CERTIFICATION APPLIES IF YOU CHOSE TO DISCUSS WITH US THE TERMS AND CONDITIONS OF YOUR CREDIT CARD ACCOUNT IN SPANISH, CHINESE, KOREAN, VIETNAMESE, OR TAGALOG. 
By signing, using, or otherwise accepting the credit card or related Account issued to you, you certify to Wells Fargo Bank, N.A. (us) that: 
� 
You have received and discussed the enclosed Customer Agreement and Disclosure Statement with your interpreter and that you and your interpreter have been given an opportunity to discuss and negotiate with us the terms and conditions contained in these enclosed documents. 

� 
Your interpreter is at least 18 years old and is fluent both in English and in the language in which you chose to discuss with us the terms and conditions of your credit card Account. 

� 
You understand and agree to the terms and conditions contained in these enclosed documents as written.  



Wells Fargo Card Services 
P.O. Box 10347, Des Moines, IA 50306  
1-800-642-4720 Hearing and Speech Impaired Customers, call  the TTY number1-800-419-2265 
Core 12/11 M-103470 LS 8400 
Important Terms of Your Credit Card Account 
Pricing Addendum for Wells Fargo Visa� As of 2/4/2012 

Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases and Balance Transfers  Prime Rate + 5.9% to Prime Rate + 21.74%, 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.  
APR for Cash Advances and  Prime Rate + 20.74% to Prime Rate + 22.74%, based on your creditworthiness.  
Overdraft Protection  This APR will vary with the market based on the U.S. Prime Rate. You may not qualify  
Advances  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.  
Paying Interest  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 balance transfers on the transaction date.  
Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
Fees  
Annual Fee  None  
Transaction Fees � Balance Transfers � Cash Advances � Overdraft Protection Advances � Foreign Currency Conversion  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. $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. 3% of each transaction converted to U.S. dollars  
Penalty Fees  
� Late Payment  Up to $35.  
� Returned Check or  Up to $35.  
Returned 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.   

� 
Daily interest rates are calculated by dividing the applicable APR by 365.  This calculation produces the Daily Variable Rates. The Daily Variable Rates will increase or decrease as a result of increases or decreases in the Index Rate. An increase or decrease in the Daily Variable Rates may result in an increase or decrease in the amount of your minimum monthly payment. An increase or decrease in the Daily Variable Rates will also increase or decrease the total amount of Interest you pay on your account. See the Customer Agreement and Disclosure Statement for more details. 


Variable Interest Rate Calculation  
Index Rate effective as of 2/4/2012  3.25%  
Margin added to the Index Rate to determine your APR for purchases  5.9% -21.74%  
APR for purchases  9.15% - 24.99%  
Margin added to the Index Rate to determine your APR for cash advances and overdraft protection advances  20.74% -22.74%  
APR for cash advances and overdraft protection advances  23.99% - 25.99%  

� 2012 Wells Fargo Bank, N.A.  All rights reserved.