The Private Bank By Invitation Visa Signature Card Account Agreement – Wells Fargo

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Personal

Wells Fargo Credit Cards

Account Agreements 

The Private Bank By Invitation Visa Signature  Card Account Agreement

®

The Private Bank By Invitation Visa Signature® Card Account 
Agreement 

Table of Contents: 
Your Contract With Us:
Using Your Account:
Changes To This Agreement:
Fees And Interest:
Billing Statements And Payments:
Other Important Information:
Arbitration:
Your Billing Rights:
Active Duty Military Service:
Interpreter Certification:

Notice To California Cardholders 

CONSUMER CREDIT CARD 
CUSTOMER AGREEMENT & 
DISCLOSURE STATEMENT 

BY INVITATION VISA SIGNATURE® 

Section 1
Section 4
Section 10
Section 11
Section 19
Section 21
Section 31
Section 32
Section 33
Section 34

To our California customers who have discussed credit card terms and conditions with us in Spanish, Chinese, Korean, Vietnamese, or Tagalog: 

Read Section 34 about interpreter certification before you activate your credit card. 

Lea la Sección 34 sobre certificación de intérprete antes de activar su tarjeta de crédito. 
請您在啓用信用卡之前細讀第 34 節的「翻譯員認證」。 
귀하의 신용카드를 활성화하시기 전에 통역사 인증에 관한 34절을 읽으시기 바랍니다. 

Hãy đọc Phần 34 về xác nhận thông dịch viên trước khi quý vị kích hoạt thẻ tín dụng của mình. 

Basahin ang Seksyon 34 tungkol sa sertipikasyon ng tagapagsaling-wika bago mo i-activate ang iyong credit card. 

Your Contract With Us 

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(1)  Agreement.  This  contract  for  your  credit  card  account  ("Account")  includes  the  Credit  Card  Agreement  ("Agreement"),  the  Important 

Terms of Your Credit Card Account and future amendments to this Agreement. This Agreement is a contract between Wells Fargo Bank, N.A. 

and each Account holder. You and any joint Account holder accept the terms of this Agreement by using or activating your Account. Please read 

this Agreement carefully and keep it for your records. 

(2) Definitions 

Annual Percentage Rate (APR)
Billing Cycle or 
BillingPeriod 
Balance Transfer

Card
Cash Advance

Credit Access Device

Important Terms of Your Credit Card 
Account 
New Balance
Outstanding Balance

PaymentDue Date

Purchase

Revolving Line Of Credit
We, Us, and Our

A rate, shown as a percentage, used to calculate interest on the balance on your Account. 
The time period between billing statements. Each billing statement shows a statement closing date 
which is the last day of the Billing Cycle. 
The transfer of a balance from another credit account to your Account, including the use of a check 
that accesses your Account. 
Any cards we issue to you or any devices we allow you use to access credit on your Account. 
Use of your Card to get cash. Examples include using your card for cash advances through an ATM, 
bank  teller  or  Wells  Fargo  Online,  Overdraft  Protection  advances,  balance  transfers,  or  cash-like 
purchases  such  as money  orders,  wire  transfers,  traveler checks,  foreign  currency,  lottery tickets, 
casino chips, off-track wagers, other wagers, vouchers redeemable for cash or similar items. 
A device, other than your Card, like SUPERCHECKS™ and mobile devices, that we allow you to use 
to access credit on your Account. 
A summary of your Account's APRs, fees and other important information. 

The total amount you owe 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. It will be at least 25 days from the statement closing date 
and will be provided on your billing statement. 
Use of your Account to buy or lease goods or services. Cash Advances, Balance Transfers and cash-
like transactions are not Purchases. Tax payments and associated fees are Purchases. 
This is the amount that is available for your use. 
Wells Fargo Bank, N.A.

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You and Your

The Account holder(s) who opened the Account. 

(3)  Contacting  You.  You  agree  that  we  have  your  consent  to  contact  you  at  any  phone  number,  email  address,  or  mailing  address  you 

provide for  any Wells  Fargo  account or at any  number  that  you  call us from or at any  number  that  we  obtain by  other  means.  Your consent 

allows  us  and  any  companies  working  on  our  behalf  to  service  your  account,  to  use  any  means  to  contact  you  including:  automated  dialing 

devices, prerecorded/artificial voice messages, mail, e-mail, text messages, push notifications, and calls to your cell phone, or any other data 

or voice transmission technology. You are responsible for any service provider charges you may incur as a result of us contacting you by any 

means,  whether  such  charges  are  related  to  text,  data,  equipment  or  other  plans.  You  will  promptly  notify  us  if  you  change  any  contact 

information, including your name, mailing address, e-mail addresses, or phone numbers. If you have a joint Account, a notice to one of you will 

serve  as  a  notice  to  both  of  you.  We  may  use  voice  recognition  technology  to  verify  your  identity  when  you  call.  We  may  capture  and  store 

your voiceprint for this purpose. We may monitor and record any calls between you and us. 

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Using Your Account 

(4)  Using  Your  Account.  You  may  use  your  consumer  credit  card  Account  for  Purchases,  Balance  Transfers,  Cash  Advances  and  any  other 

transactions we allow. You promise to use your Account only for lawful personal, family, or household purposes. We reserve the right to deny 

transactions or authorizations from merchants who may be engaging in the internet gambling business. We are not responsible for anyone who 

refuses to accept your Card or any other Credit Access Device. We may decline any transaction at any time. Your credit card may not be used 

to make a payment on any other Wells Fargo credit account. 

Cash  Advances  from  ATMs.  Cash  Advances  from  ATMs  may  be  limited  by  amount  or  frequency.  The  ATM  owner  may  have  additional 

restrictions. If the ATM owner charges any fee, that fee will be included as part of the total Cash Advance amount. 

Cash Advances for Overdraft Protection. You may elect to have an automatic Cash Advance from your Account to cover an overdraft on a 

linked Wells Fargo checking account. To cover an overdraft on a linked Wells Fargo checking account, we will advance the greater of 

◾  the amount of your overdraft; or 
◾  $25.00 

Except if 

◾  the amount of available credit on your Card is less than the amount of the overdraft or less than $25.00, we will then advance the amount 

of available credit. 

The  APR  and  fees  that  apply  to  overdraft  protection  advances  are  listed  in  the  Important  Terms  of  Your  Credit  Card  Account.  Overdraft 

protection  advances,  interest  and  fees  may  cause  your  Account  balance  to  exceed  your  revolving  line  of  credit.   If  there  is  more  than  one 

person listed on the checking account (such as a joint checking account) that you have linked for overdraft protection, then: 

◾  You  will  be  responsible  for  all  overdraft  protection  advances  regardless  of  which  person  writes  the  check  or  engages  in  any  other 

transaction (such as a debit card purchase) that causes the overdraft; and 

◾  You  agree  to  allow  us  to  disclose  to  any  other  person  on  your  checking  account,  that  this  Card  is  linked  to  your  checking  account  for 

overdraft protection. 

We reserve the right to cancel, suspend, or change your overdraft protection service at any time, for any reason. 

Credit Access Devices.  SUPERCHECKS can be used to access your Account similar to writing a check on a deposit account. SUPERCHECKS 

checks will post as a balance transfer only when they are included with a Balance Transfer offer. If a SUPERCHECKS check is not included with 

a Balance Transfer offer it will post as a Cash Advance. They will include transaction fees and interest. 

Some restrictions apply to SUPERCHECKS: 

◾  They may not be written as payment on any Wells Fargo account. 
◾  They may be used only by the person whose name is printed on the check. 
◾  They must be written in U.S. dollars. 
◾  They cannot be certified. 
◾  You cannot file a claim against the bank when you have a dispute with a merchant about payment for property or services that you paid 

for using a SUPERCHECKS check. 

◾  We reserve the  right to put conditions  on the  use of SUPERCHECKS checks and to  reject, decline  and  return unpaid any SUPERCHECKS 

check or advance at our discretion. 

Third Party/Mobile Devices. 

You  or an  authorized user  may  be permitted to  load your credit card to an app on a smart phone, tablet or  other  electronic device,  such as, 

through  a  mobile  wallet,  which  could  be  used  for  purchases  or  other  transactions  without  presenting  the  card.  Any  such  Transactions  are 

covered by this Agreement. We have no control over the device and cannot guarantee the performance of the device. 

Additionally: 

◾  You should protect the security of the device the same as your credit card or other valuable information. 
◾  There may be third party fees related to the transaction such as mobile carrier data or messaging charges. 
◾  We may, at any time, partially or fully restrict your ability to make credit transactions through a third party/mobile device. You agree to 

notify us promptly if you remove or want to remove your Account information from any third party/mobile device.

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(5) Authorized Users. If you wish to have an additional Card issued in another person's name, please contact us and we will send you a Card 

with the name of the authorized person embossed on the front of the Card. You are responsible for payment of the entire amount owed to us, 

including any Purchases, balance transfers or Cash Advances (and all related interest and fees) made by the authorized person. 

Ending Authorized User Privileges. If you want to end an authorized user's privilege to use your Account, you must: 

◾  Recover and destroy that person's Card. If you do not, you will continue to be liable for any charges made, even if you've advised us of 

your wish to cancel the privileges, unless you tell us to cancel all Cards and establish a new Account for you. 

◾  You must notify us of your request by contacting us at the number on the back of your Card or by mail at Wells Fargo Bank, N.A., P.O. 

Box 10347, Des Moines, IA 50306. 

In general, an authorized person is not obligated on this Account and is not liable for any Outstanding Balance or any other charges made by 

you or by any other authorized person. In the event of the death of all fully liable cardholders, authorized users' privilege ends automatically. 

After that, if any person uses the Card, such use indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for 

payment of any Outstanding Balance or any other charges they authorize. You agree to notify each authorized person that they are subject to 

all applicable sections of this Agreement. 

Information  about  Authorized  Users.  You  agree  to  give  us  certain  personal  information  about  each  Authorized  User.  You  must  have 

permission  from  each  Authorized  User  allowing  you  to  give  us  that  personal  information.  This  may  include  name,  address,  social  security 

number, date of birth and citizenship. 

(6) Lost or Stolen Cards and Liability for Unauthorized Use. You must notify us immediately if your Card or account information is lost or 

stolen, or if  you believe  it's being  used  without your  permission. You may contact  us  by phone at 800-642-4720 or in  writing at  Wells Fargo 

Card Services, PO Box 10347, Des Moines, IA 50306. You agree to assist us in our investigation of the matter. If you do this and we find you 

not responsible, you will not be held liable for the unauthorized use of your Account. 

(7) Promise  to  Pay.  When  you  use  your  Account  or  let  someone  else  use  it,  you  promise  to  pay  the  total  amount  of  the  Purchases,  Cash 

Advances, and balance transfers, plus all interest, fees and other amounts that you may owe us. We may limit or close your Account, but the 

terms of this Agreement will apply until you pay the Account in full. 

(8) Revolving Line of Credit.  We may assign the following limits to your Account: 

Cash Advance Limit. We may restrict the amount of your revolving line of credit that can be used for Cash Advances. 

Your total revolving line of credit will be provided with your Credit Card and shows on each of your billing statements. You promise to use your 

Account only to the limits. If you exceed your total revolving line of credit, we may allow the transaction without increasing your total revolving 

line of credit or deny the transaction. If we allow the transaction, we may treat that over limit amount as due with the minimum payment on 

your next statement. If you exceed the limits, you will still remain liable for all credit you receive. We can adjust your revolving line of credit at 

any time, including automatic credit line increases for those who qualify. 

(9) Authorizations.  We don't guarantee approval of transactions. We reserve the right to deny transactions for any reason, such as account 

default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased risk related to the transaction. We also may 

limit the number of authorizations we allow during a period of time. 

Transactions at some merchants (such as hotels, car rental companies, restaurants, and gas stations) may result in temporary authorizations 

for amounts greater than the actual Purchase amount. This will make less credit available on your Account for several days, usually until the 

date the actual Purchase amount is received from the merchant. 

If you give your credit card information to a merchant to bill your account for recurring payments, or to keep it on file for future purchases or 

payments, and your card number, expiration date, or security code changes, you should notify the merchant with your new card information. 

Some  card  networks  provide  update  services  and  receive  updated  card  information  from  Wells  Fargo.  Merchants  that  participate  in  such 

services will receive updated card information from the network for credit cards that you have provided to the merchant for recurring or future 

purchases  or payments.   We  cannot  tell  you which  merchant  will  receive  updated  card  information  when  your  card  information changes.  You 

should always provide each merchant with your new card information because some merchants do not subscribe to such network services. 

Changes To This Agreement 

(10) Change in Terms. We may change this Agreement at any time. These changes may apply to existing and future balances. We will give 

you advance written notice of the changes and a right to reject the changes if required by law. We may require you to close your Account or 

take other actions if you reject the changes. 

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Fees And Interest 

(11) Fees.  The  following  fees may apply  to  your account. If they do apply,  you  will find the  amount in  the  Important  Terms of  Your  Credit 

Card Account. You agree to pay any fees that apply. 

◾  Annual Fee. If your account has an annual fee it will be charged each year your account is open. The annual  fee will not be billed after 

your Account is closed. 

◾  Balance Transfer Fee. This fee may be charged on a balance transfer transaction. 
◾  Cash Advance Fee. This fee may be charged on a Cash Advance from your Account. 
◾  Overdraft Protection Advance Fee. This fee may be charged when an overdraft amount is advanced to the checking account linked to your 

Credit Card Account by you.

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◾  Foreign Currency Conversion Fee. If you make a transaction in a foreign currency, Visa will convert it into a U.S. dollar amount. A foreign 

currency conversion fee may be charged when this is done. 

◾  Late Fee. This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date. 
◾  Returned Check or Returned Payment Fee. This fee may be charged when a payment is not processed the first time or is returned unpaid. 

Additional fees may be charged if agreed between you and us. All fees will be added to the Purchases balance, except Cash Advance fees which 

will be added to the Cash Advance balance on your Account. 

(12) Foreign Currency Transactions. 

If you make a transaction in a currency other than U.S. dollars using a Visa Card, then Visa International "Visa" will convert the charge into a 

U.S. dollar amount. The exchange rate between the transaction currency and the billing currency used for processing international transactions 

is either (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, 

which  rate  may  vary  from  the  rate  Visa  itself  receives,  or  (b)  the  government-mandated  rate  in  effect  for  the  applicable  central  processing 

date.  The  currency  conversion  rate  for  the  processing  date  may  differ  from  the  rate  in  effect  on  the  date  of  the  transaction  or  the  date  the 

transaction is posted to your Account. 

Point of Sale Conversion. Some merchants outside the United States offer cardholders the option of having Card transactions converted to 

U.S. dollars  by  Visa, as described above, or by the merchant itself. If  the latter  option is chosen, the  currency conversion rate is determined 

solely by the merchant involved in the transaction, and no foreign currency conversion fee is charged by the bank for the transaction. 

(13)  Rates.  The  following  sections  describe  how  we  calculate  the  interest  you  owe  each  Billing  Period.  The  Important  Terms  of  Your  Credit 

Card Account list the APRs that apply to different types of balances. 

Introductory Rates. Your account may be eligible for introductory rates. This would be described in the Important Terms of Your Credit Card 

Account. If you are offered a promotional rate after your account is opened, the terms will be provided at that time. After any introductory or 

promotional rates expire, the remaining balances will be subject to the applicable Standard or Standard Variable APR terms. 

How we Calculate your Standard Variable APRs. If your account has a variable rate the APR will vary based on the U.S. Prime Rate plus 

the  applicable  "Margin".  See  the  Important  Terms  of  Your  Credit  Card  Account  for  the  "Margin"  on  Purchases,  balance  transfers,  Cash 

Advances,  and  overdraft  protection  advances,  and  daily  periodic  rates  that  apply  to  your  Account.  For  each  Billing  Period,  we  use  the  U.S. 

Prime Rate or the average of the U.S. Prime Rates (if there is more than one) published in the "Money Rates" column of The Wall Street Journal 

three business days prior to your billing statement closing date. If the U.S. Prime Rate is no longer published or is not available, we may select 

a similar index. A change in the APR may increase or decrease the total amount of interest you pay and your Minimum Payment due. If the APR 

changes  due  to  a change in  the  U.S.  Prime  Rate,  the  new  APR  will  apply  to both  existing  and future balances on  the  first  day  of  your  Billing 

Cycle. The APR will continue to vary even if your Account is closed. 

Standard APRs. If your Account is subject to Standard APRs, the Standard APRs will not vary with the market based on the U. S. Prime Rate. 

However, we may change the Standard APRs from time to time in accordance with the Change In Terms information described in section 10. 

The rates that apply to your account are listed in the Important Terms of Your Credit Card Account. 

Daily Periodic Rates. The daily periodic rates are calculated by dividing each applicable APR by 365. 

(14) Minimum Interest Charge. Your account may have a Minimum Interest Charge. See The Important Terms of Your Credit Card Account 

for the applicable charge. 

(15)  When  we  Charge  Interest.  For  most  transactions,  interest  will  be  charged  beginning  on  the  date  a  transaction  is  made  on  your 

account. We charge interest on a fee beginning on the first day of the Billing Cycle following the Billing Cycle in which the fee posted to your 

Account. 

(16)  Here's how and when specific Transactions, fees and credits are applied: 

◾  We add the amount of a Purchase or Balance Transfer to the Purchase balance as of the transaction date shown on your statement. 
◾  We add Balance Transfer fees to the Purchase balance as of the transaction date shown on your statement. 
◾  We add the amount of a Cash Advance to the Cash Advance balance as of the transaction date shown on your statement. 
◾  We add Cash Advance Fees to the Cash Advance balance as of the transaction date shown on your statement. 
◾  We  add  the  amount  of  any  Overdraft  Protection  advance  to  the  Cash  Advance  balance  as  of  the  transaction  date  shown  on  your 

statement. 

(17)   How  we  Calculate  Interest.  We  begin  by  calculating  the  daily  balance  of  each  Transaction  category.  Next  we  calculate  the  Average 

Daily Balance (ADB). Finally, we calculate the interest. See each section below for details. 

1)  Calculating  the  daily  balance:  the  daily  balance  is  calculated  separately  for  each  Transaction  category.  We  start  with  the  daily 

balance from the end of the previous day. We add in any new Transactions and other charges, including interest accrued on the previous 

day's balance. This means interest is compounded daily. We then subtract any payments or credits. 

Example for the Purchase Transaction category: 

Daily balance for purchases from the previous day 

+ New purchases 

+ Fees and interest accrued on the previous day's Transaction category balance

- Payments, credits and adjustments that posted that day 

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= New daily balance for Purchases 

2)  Calculating  the  Average  Daily  Balance  (ADB):  we  add  up  all  the  daily  balances  for  the  Billing  Cycle  starting  with  the  beginning 

balance of the first day of the Billing Cycle. This beginning balance will include any unpaid fees from the previous Billing Cycle and any 

late fees incurred during the current Billing Cycle. Any daily balance that is a credit balance is treated as zero. We divide this amount by 

the number of days in the Billing Cycle. 

ADB = sum of daily balances ÷ number of days in the Billing Cycle 

3)  Interest Calculation:  we  calculate  the  interest  charge  for each  type  of balance by  applying the daily  periodic  rate  to the ADB  and 

multiplying this by the number of days in the Billing Cycle. 

Interest Charge = daily periodic rate x ADB x number of days in Billing Cycle 

(18) Grace Period. To avoid paying interest on new Purchases you have to pay your entire New Balance by the Due Date on your statement 

each  Billing  Period.  You  cannot  avoid  interest  on  Cash  Advances  or  Balance  Transfers.  Your  due  date  will  be  at  least  25  days  from  the 

statement closing date and will be provided on your billing statement. 

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Billing Statements And Payments 

(19)  Billing  Statements.  If  you  have  a  balance  on  your  account  you  will  receive  a  billing  statement.  Your  billing  statement  will  show  your 

Minimum Payment due and the Payment Due Date. 

(20) Payments. You may pay all or part of  your  Account  balance at any  time,  but you must pay the Minimum Payment, disclosed  on  your 

billing statement, by the Payment Due Date. 

Minimum Payment. Your Minimum Payment Due includes any amount past due. 

If your account is not over your revolving line of credit, we'll add in the greater of 

1. Fees and interest billed during the Billing Cycle plus 1% of the New Balance; or 

2. 2% of the New Balance; or 

3.  $15.00 (or the entire balance on the Account if the New Balance is less than $15.00). 

If your account is over your revolving line of credit, we'll add in the greater of 

1. Fees and interest billed during the Billing Cycle plus 1% of the New Balance; 

2. If no payment is past due, 2% of the revolving line of credit plus the amount over your revolving line of credit; 

3. If you have a past due amount, 2% of the revolving line of credit, plus the amount over your revolving line of credit minus the past 

due amount. 

This is rounded-up to the next highest whole dollar amount. Credits will not be used to meet the Minimum Payment. 

Payment Instructions. Follow these instructions when making a payment: 

1. You must pay in U.S. dollars. 

2. Payment must be made with a personal check, money order or cashier's check and must be issued by a bank in the United States. 

3. Electronic payments are accepted. 

4.  Do not mail cash. 

If  you  mail  your  payment,  please  mail  to  the  payment  address  provided  on  your  billing  statement  using  the  envelope  and  payment  coupon 

enclosed. Payments received by 5:00 p.m. at the location your payment is mailed to will be credited as of the date of receipt. If received after 

5:00  p.m.  they  will  be  credited  on  the  following  day.  Payments  made  through  Wells  Fargo  Online  Banking  at  wellsfargo.com  will  be  credited 

based on the cutoff time disclosed at the time of the transaction. If you do not follow these instructions your payment may not be credited for 

up to five days after we receive it. 

Checks  or  other  paper  documents  may  be  converted  to  an  electronic  transaction  through  procedures  established  by  the  National  Automated 

Clearing House Association.  In  this  case,  the original check or other document  that you send  to  us will not be retained, but  a  copy  would  be 

available if requested. 

Some of your available line of credit may be held, at our discretion, until your payment is honored. 

You cannot pay this account using another Wells Fargo Bank, N.A. credit or loan account or any Wells Fargo affiliated company credit or loan 

account. You cannot use any SUPERCHECKS checks to make any payment on this Account. 

Generally,  we  will  apply  your  Minimum  Payment  first  to  lower  APR  balances  (such  as  Purchases)  before  balances  with  higher  APRs  (such  as 

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Cash  Advances).  Payments  made  in  excess  of  the  Minimum  Payment  will  be  applied  to  balances  with  higher  APRs  first  before  balances  with 

lower ones. 

We post payments to the Billing Cycle within which they are received. Any payment in excess of the Minimum Payment due is applied based on 

the balances reflected on your last billing statement. 

Irregular Payments. If you intend to pay your Account in full with an amount less than the Outstanding Balance, payments must be sent to: 

Wells  Fargo,  P.O.  Box  10311,  Des  Moines,  IA  50306-0311.  Please  note  that  if  we  accept  such  payments  we  have  every  right  to  pursue  full 

payment. 

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Other Important Information 

(21) Default / Immediate Repayment of Balance in Full. Your Account will be in default, and we may require immediate payment of your 

total Account if: 

◾  You fail to pay a Minimum Payment by the Payment Due Date; 
◾  Any payment is returned; 
◾  You don't honor the terms of this Agreement; 
◾  You made an untrue statement on your application; OR 
◾  You file for bankruptcy. 

If this is a joint Account, a default by one of you will be a default by all of you. 

We may prevent further transactions and we may close your Account and other Wells Fargo Accounts. If your account is in default you agree to 

pay our collection costs, attorney's fees, and court costs incurred in enforcing our rights under this agreement. 

(22) Re-Verification of Credit Information. We can review any information you provided on your credit application at any time. This may 

include: 

◾  Requesting credit bureau reports; 
◾  Verifying your current credit standing; 
◾  Verifying your employment, assets and income records. 

(23)   California  Residents.  We  may  also  obtain  information  at  any  time  from  the  California  Department  of  Motor  Vehicles.  You  agree  to 

waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21). 

This waiver may not apply to you if you are on active duty military service (including active guard or reserve service) or you are a spouse or 

dependent of a person who is on such active duty military service. Please see the Important Statement Concerning Active Duty Military Service 

section in the Agreement for more information. 

(24)  Cancellation. We may close your Account at any time and for any reason. You may also close the Account at any time. If that happens, 

you must still repay the balance owed according to the terms of this Agreement. Joint Accounts may be canceled by either Account Holder. If 

we close the account, notice may be provided to only one Account Holder. 

(25)   Separation  of  Unlawful  Provisions.  If  any  provision  of  this  Agreement  is  found  to  be  unenforceable,  all  other  provisions  of  the 

Agreement will remain in effect. 

(26)  Enforcement Rights. We may waive or delay enforcing any of our rights without losing them.  A court decree for divorce or separation 

or an out-of-court mutual agreement does not affect any of our rights to enforce this Agreement. 

(27)  Phone Monitoring. We may monitor and record any of your phone calls with us. 

(28)   Information  Reporting.  We  may  report  information  about  you  to  consumer  reporting  agencies.  The  information  that  we  report  to 

consumer reporting agencies may include: 

◾  Account history; 
◾  Account performance; 
◾  Account status; 
◾  Any violations of your account; and 
◾  Any violations of the terms of this Agreement. 

The same information  may be  reported  to  the consumer reporting agencies for any  additional card holders. You may dispute the  accuracy  of 

the  information  that  we  report  to  consumer  reporting  agencies  by  writing  to  us  at  Wells  Fargo  Credit  Bureau  Dispute  Resolution,  P.O.  Box 

14517,  Des  Moines,  IA  50306-3517.  Please  describe  the  information  in  detail  that  you  believe  is  inaccurate  and  provide  any  supporting 

documents with your dispute. If your dispute relates to identity theft, you will need to provide us with an identity theft report. 

(29)   Assignment.  We  may  assign  your  Account  and  any  or  all  rights  and  obligations  under  the  Agreement  to  a  third  party.  You  may  not 

assign your Account or any of your obligations under the Agreement. 

(30)  Governing Law. Federal law and the laws of South Dakota govern this Agreement and your account. 

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Arbitration 

(31) Dispute Resolution Program: Arbitration Agreement.

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1.  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. 

2.  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. 

3.  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. 

4.  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. 

5.  Active Duty Military Service. If you are on active duty military service (including active guard or reserve service) or you are a spouse 

or dependent of a person who is on such active duty military service, then the above Arbitration Agreement may not apply to you. Please 

see Important Statement Concerning Active Duty Military Service in this Agreement for more information. 

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Your Billing Rights 

Keep This Notice For Future Use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

(32) What To Do If You Find a Mistake on Your Statement.  If you think there is an error on your statement, write to us at: 

Wells Fargo Card Services 

P.O. Box 522 

Des Moines, IA 50306-0522 

In your letter, give us the following information: 

◾  Your name and Account number; 
◾  The date and dollar amount of the suspected error. 
◾  If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

◾  Within 60 days after the error appeared on your statement.

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◾  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing at the address above. You may notify using other ways (including telephone), but if you do 

we are not required to investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter. When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected 

the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

◾  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
◾  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
◾  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 revolving line of credit. 

After we finish our investigation, one of two things will happen: 

◾  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
◾  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will 
send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the 

amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If 

you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone 

to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  If we do not 

follow all of the rules above, you do not have to pay the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases.  If you are dissatisfied with the goods or services that you have 

purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay 

the remaining amount due on the Purchase. 

To use this right, all of the following must be true: 

1.  The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must 

have been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if 

we own the company that sold you the goods or services.) 

2.  You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a check that accesses 

your credit card Account do not qualify. 

3.  You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: 

Wells Fargo Card Services 

PO Box 522 

Des Moines, IA 50306-0522 

While we investigate, the same rules apply to  the disputed  amount  as discussed above. After we finish our investigation, we will tell  you our 

decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

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Active Duty Military Service 

(33)  IMPORTANT STATEMENT CONCERNING ACTIVE DUTY MILITARY SERVICE: If you are on active duty military service when you 

apply for or establish this account (including active guard or reserve service) or you are a spouse or dependent of a person who is on such 

active duty military service at that time, then so long as such active duty military service continues, the Arbitration Agreement contained in the 

Credit Card Agreement does not apply to you, nor do any provisions that waive any right to legal recourse under any state or federal law. 

MILITARY ANNUAL PERCENTAGE RATE: Federal Law provides important protections to members of the Armed Forces and their dependents 

relating to extensions of consumer credit. In general, the costs of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the cost 

associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction, any application fee 

charged (other than certain application fees for specified credit transactions or accounts), and any participation fee charged (other than certain 

participation fees for a credit card account). 

You may contact us at 1-844-309-0044 for information about the Military Annual Percentage Rate and a description of your account opening 

disclosures. 

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Interpreter Certification

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(34)   Interpreter Certification. If you choose to discuss your credit card account with us in Spanish, Chinese, Korean, 
Vietnamese, or Tagalog, please read the following. 

By signing, using or activating the credit card issued to you, you certify to us that: 

◾  You have discussed the Customer Agreement and Disclosure Statement with your interpreter and have been given the opportunity to 

discuss and negotiate with us the terms and conditions contained in these documents. 

◾  Your interpreter is at least 18 years old and is fluent in both English and in the language in which you chose to discuss with us the terms 

and conditions of your credit card Account. 

◾  You understand and agree to the terms and conditions contained in these enclosed documents. 

Certificación de Intérprete 

(34)  Certificación de Intérprete. Si usted opta por conversar sobre su cuenta de tarjeta de crédito con nosotros en español, 
chino, coreano, vietnamita o tagalo, lea lo siguiente. 

Al firmar, utilizar o activar la tarjeta de crédito emitida a su nombre, usted certifica ante nosotros que: 

◾  Usted ha analizado el Contrato del Cliente y Declaración de Divulgación con su intérprete, y que usted y su intérprete han tenido la 

oportunidad de analizar y negociar con nosotros los términos y condiciones contenidos en estos documentos. 

◾  Su intérprete tiene por lo menos 18 años de edad y habla con fluidez tanto en inglés como en el idioma que usted haya elegido para 

conversar con nosotros sobre los términos y condiciones de su Cuenta de tarjeta de crédito. 

◾  Usted entiende y está de acuerdo con los términos y condiciones contenidos en estos documentos adjuntos. 

翻譯員認證 

(34) 翻譯員認證。如果您選擇以西班牙語、中文、韓語、越南語或菲律賓語與我們討論信用卡帳戶相關事宜，請閱讀以下內容。 
一旦您簽署、使用或啟用核發給您的信用卡，即表示您向我們證明 

◾  您已經與您的翻譯員討論過《客戶協議》與《披露聲明》，並且有機會與我們討論和協商這些文件中的條款和條件。 
◾  您的翻譯員至少年滿 18 歲，並具有流利的英語能力且深諳您所選與我們討論您的信用卡帳戶條款和條件的語言。 
◾  您理解並同意遵守所附這些文件中的條款和條件。 

통역사 인증 

(34) 통역사  인증. 통역사  인증. 귀하의  신용카드  계좌에  관한  사항을  스페인어, 중국어, 한국어, 한국어, 베트남어  또는  타갈로그어로  저희와  논의하기로  하신 
경우, 다음 사항을  읽어  주십시오 
귀하에게 발급된 신용카드를 사용하거나 활성화함으로써, 귀하는 저희에게 다음 사항을 증명하게 됩니다 

◾  귀하는 귀하의 통역사와 함께 고객 동의서 및 공개 진술서에 관해 논의하였으며 이러한 문서에 포함된 약관을 저희와 논의하고 협상할 기회를 가졌습니다 
◾  귀하의 통역사는 18세 이상이며 영어뿐만 아니라 귀하가 신용카드 계좌 약관에 관해 저희와 논의할 때 사용하시기로 선택하신 언어에 모두 능통합니다 
◾  귀하는 첨부된 이러한 문서에 포함된 약관을 이해하였으며 이에 동의합니다 

Xác Nhận Về Người Thông Dịch 

(34) Xác Nhận Về Người Thông Dịch Nếu quý vị chọn thảo luận trương mục thẻ tín dụng của mình với chúng tôi bằng tiếng Tây 
Ban Nha, tiếng Trung, tiếng Hàn, tiếng Việt hoặc Tagalog, vui lòng đọc phần sau đây. 

Bằng việc ký, sử dụng hoặc kích hoạt thẻ tín dụng đã cấp cho quý vị, quý vị chứng nhận với chúng tôi rằng: 

◾  Quý vị đã thảo luận với thông dịch viên của mình về Thỏa Thuận Khách Hàng và Tuyên Bố Tiết Lộ Thông Tin và đã có cơ hội trao đổi và 

thương lượng với chúng tôi về các điều khoản và điều kiện nêu trong những tài liệu này. 

◾  Thông dịch viên của quý vị tối thiểu 18 tuổi và thông thạo cả tiếng Anh lẫn ngôn ngữ mà quý vị đã chọn sử dụng để thảo luận với chúng 

tôi về các điều khoản và điều kiện liên quan đến trương mục thẻ tín dụng của quý vị. 

◾  Quý vị hiểu và đồng ý với các điều khoản và điều kiện được nêu trong những tài liệu đính kèm này. 

Sertipikasyon ng Tagapagsaling-wika 

(34) Sertipikasyon ng Tagapagsaling-wika. Kung pipiliin mong talakayin ang iyong credit card account sa amin sa wikang 
Spanish, Chinese, Korean, Vietnamese, o Tagalog, pakibasa ang sumusunod. 

Sa pamamagitan ng paglagda, paggamit o pag-activate ng credit card na ibinigay sa iyo, pinatototohanan mo sa amin na: 

◾  Tinalakay mo ang Kasunduan ng Kostumer at ang Pahayag ng Pagsisiwalat sa iyong tagapagsaling-wika at nabigyan ka ng pagkakataong 

talakayin at makipagkasundo sa amin sa mga tuntunin at kundisyong nilalaman ng mga dokumentong ito. 

◾  Ang iyong tagasaling-wika ay wala pang 18 taong gulang at lubos na marunong sa Ingles at sa wika na napili mo para talakayin sa amin 

ng mga tuntunin at kundisyon ng iyong credit card Account. 

◾  Nauunawaan at sinasang-ayunan mo ang mga tuntunin at kundisyong nakasaad sa mga nakalakip na dokumentong ito. 

Back to top ▲

Wells Fargo Card Services 

PO Box 10347, Des Moines, IA 50306

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Hearing and Speech Impaired Customers, call the TTY number 1-800-419-2265 

1-800-642-4720 

BIVS 08/17

M-119983
LS 9083

Important Terms of Your Credit Card Account 

Pricing Addendum for The Private Bank By Invitation Visa Signature® Card 
As of 08/12/2017 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Prime Rate + 9.25% 

This APR will vary with the market based on the U.S. Prime Rate. 

Annual Percentage Rate (APR) for 
Balance Transfers 

APR for Cash Advances and 
Overdraft Protection Advances 

Paying Interest

Prime Rate + 9.25% 

This APR will vary with the market based on the U.S. Prime Rate. 

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 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

Transaction Fees 
Balance Transfers
Cash Advances

$0 introductory annual fee for the first year. $350 annual fee for subsequent years, but 
waived in each subsequent year that your account is part of an active relationship with 
Wells Fargo Private Bank on June 30. 

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. 

Penalty Fees 
Late payment
Returned Check or Returned 
Payment 

Up to $37 
Up to $37 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See the Consumer Credit 

Card Customer Agreement and Disclosure Statement for more details. 

Annual Fees:  There is a $0 introductory annual fee for the first year. After your account is open one full year and each year after that, your 

account is subject to the annual fee of $350. The fee is billed in September and may be waived if your account is part of an active relationship 

with  Wells  Fargo  Private  Bank  as  of  the  immediately  preceding  June  30. Your  household  relationship  includes  Wells  Fargo  Bank  deposit 

accounts and personal brokerage assets that appear on your Wells Fargo Private Bank statements. 

How  We  Calculate  Your  Late  Payment  and  Returned  Check  or  Returned  Payment  Fees:  The  fee  will  be  the  lesser  of  the  Minimum 

Payment or $27. For any subsequent event within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment or $37. 

How We Will Calculate Your Variable APRs: 

Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each 

billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates 
column  of  The  Wall  Street  Journal  three  business  days  prior  to  your  billing  statement  closing  date.  The  APR  may  increase  or  decrease  if  the 
U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease 

in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the 

Consumer Credit Card Customer Agreement and Disclosure Statement for more details. 

Variable Interest Rate Calculation 

Prime Rate effective as of 09/30/2017

Margin added to the Prime Rate to determine your APR for purchases

APR for purchases

Margin added to the Prime Rate to determine your APR for cash advances and 
overdraft protection advances 

4.25% 

9.25% 

13.50% 

20.74% 

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APR for cash advances and overdraft protection advances

24.99%

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© 1999 - 2017 Wells Fargo. All rights reserved. NMLSR ID 399801

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