CREDIT CARD AGREEMENT

Important Terms of Your Credit Card Account
Interest Rates and Interest Charges
Annual Percentage Rate (APR) 
for Purchases

28.99%

How to Avoid Paying Interest 
on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

FFeesees
Annual Fee
Penalty Fees

None

•  Late Payment
•  Returned Payment 

Up to $40.00
Up to $40.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Penalty Fees: The fee will be the lesser of the Minimum Payment Due or $29.00. For any subsequent event 
within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment Due or $40.00.
The information about the cost of credit described in this Agreement is accurate as of November 2021. This information may have changed 
after that date. To find out what may have changed, call us at 1-800-459-8451.

ARBITRATION AGREEMENT
Binding Arbitration. You and Wells Fargo Bank, N.A. (the “Bank”), including the Bank’s assignees, agents, employees, officers, directors, shareholders, parent 
companies, subsidiaries, affiliates, predecessors and successors, agree that if a Dispute (as defined below) arises between you and the Bank, upon demand 
by either you or the Bank, the Dispute shall be resolved by the following arbitration process. However, the Bank shall not initiate an arbitration to collect 
a consumer debt, but reserves the right to arbitrate all other disputes with its consumer customers. A “Dispute” is any unresolved disagreement between 
you and the Bank. It includes any disagreement relating in any way to your Credit Card Account (“Account”) or related services. It includes claims based on 
broken promises or contracts, torts, or other wrongful actions. It also includes statutory, common law and equitable claims. A Dispute also includes any 
disagreements about the meaning or application of this Arbitration Agreement. This Arbitration Agreement shall survive the payment or closure of your 
Account. You understand and agree that you and the Bank are waiving the right to a jury trial or trial before a judge in a public court. As the sole 
exception to this Arbitration Agreement, you and the Bank retain the right to pursue in small claims court any Dispute that is within that court’s jurisdiction. 
If either you or the Bank fails to submit to binding arbitration following lawful demand, the party so failing bears all costs and expenses incurred by the other 
in compelling arbitration.
Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or 
other proceeding has been previously commenced. Neither you nor the Bank shall be entitled to join or consolidate disputes by or against others 
in any arbitration, or to include in any arbitration any dispute as a representative or member of a class, or to act in a private attorney general 
capacity. Each arbitration, including the selection of the arbitrator(s) shall be administered by the American Arbitration Association (AAA), or such other 
administrator as you and the Bank may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the 
“Arbitration Administrator”), according to the Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes (“AAA Rules”). 
To the extent that there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrator(s) must 
be members of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the Dispute. 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.
Rights Preserved. This Arbitration Agreement does not prohibit the Parties from exercising any lawful rights or using other available remedies to preserve, 
foreclose or obtain possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or 
ancillary remedies such as injunctive relief, attachment, garnishment or the appointment of a receiver by a court of competent jurisdiction. Any statute of 
limitations applicable to any Dispute applies to any arbitration between the Parties. The provisions of this Arbitration Agreement shall survive termination, 
amendment or expiration of the Account or any other relationship between you and the Bank.
Fees  and  Expenses  of  Arbitration.  Arbitration  fees  shall  be  determined  by  the  rules  or  procedures  of  the  Arbitration  Administrator,  unless  limited  by 
applicable law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the 
state in which you opened your Account limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall 
exceed this limitation. The Bank will pay any costs that are required to be paid by the Bank under the Arbitration Administrator’s rules and procedures, and 
subject to applicable law. If the arbitrator rules in your favor on any Dispute presented, the Bank will reimburse you for arbitration filing fees you have paid 
up to $700.00. Unless applicable law states otherwise, each party will pay their own attorney, expert, and witness fees. This rule applies no matter which 
party wins arbitration.
Military Lending Act: The Arbitration Agreement does not apply to you if you are covered by the Military Lending Act nor do any provisions that waive any 
right to legal recourse under any state or federal law to the extent required by the Military Lending Act. Please see The Military Lending Act Notice in the 
Agreement for more information.

Page 1 of 4

6102OA PLFX (1121)

CREDIT CARD AGREEMENT

Notice to California Cardholders 
To our California customers who have discussed credit card terms and conditions with us or 
the Merchant in Spanish, Chinese, Korean, Vietnamese, or Tagalog:
Read the section titled INTERPRETER CERTIFICATION before you use your Account.
Lean la sección titulada CERTIFICACIÓN DE INTÉRPRETE antes de usar su Cuenta.
在使用您的帳戶以前，請閱讀題為「傳譯員確認書」一節。
귀하의 계좌를 이용하기 전에 먼저 통역사 인증이라는 제목의 섹션을 읽으십시오
Đọc mục tựa đề CHỨNG NHẬN THÔNG DỊCH VIÊN trước khi quý vị sử dụng Trương Mục 
của mình.
Basahin  ang  seksyon  na  pinamagatang  SERTIPIKO  NG TAGAPAGSALING-WIKA  bago  ninyo 
gamitin ang inyong Account. 
These terms apply to your entire Account.
About Your Account 
AGREEMENT. This Credit Card Agreement (“Agreement”) covers the use of your Credit Card 
Account (“Account”) with us. It includes the Important Terms of Your Credit Card Account. Your 
signature on your application or solicitation for this Account, including without limitation 
any electronic or digital signature, as well as your signature on Sales Slips or any Account-
related  document,  represents  your  signature  on  this  Agreement. You  accept  the  terms  of 
this Agreement by opening or using your Account. If you have a joint Account, each of you is 
bound by this Agreement. Please read this Agreement carefully and save it for future reference.
PARTIES TO THIS AGREEMENT. This Agreement is made between Wells Fargo Bank, N.A., 101 
North Phillips Avenue, Sioux Falls, SD 57104 (“we,” “us,” and “our”) and each account holder, 
whether primary or joint (“you” and “your”).
CONTACTING  US.  Unless  stated  otherwise  in  this  Agreement,  you  may  contact  us  at  the 
phone number or address shown on your statement. For more information, visit us online at 
wellsfargo.com/cardholders. 
DEFINITIONS.
Billing Cycle

Card
Credit Access Device

Important Terms of Your 
Credit Card Account
Merchant

New Balance
Outstanding Balance

Payment Address

Payment Due Date

Payment Stub

Sales Slip

The interval between statements. Each statement shows 
a closing date. The statement closing date is the last day 
of the Billing Cycle for that statement.
The credit card we may issue to use your Account.
A  device,  other  than  your  Card,  we  allow  you  to  use  to 
access credit on your Account.
A  summary  of  your  Account’s  Annual  Percentage  Rates 
(“APRs”), fees and other important information.
Any merchant who has a merchant agreement with us to 
participate in this credit card program.
The Outstanding Balance as of a statement closing date.
The  sum  of  all  unpaid  amounts,  including  purchases, 
interest, fees and any other amounts that you may owe us.
The address where you mail your payment. It is located 
on your Payment Stub.
The  date  the  Minimum  Payment  Due  is  due  to  us.  It  is 
shown on your statement.
The portion of your statement that is to be returned with 
your payment.
Any document that describes the terms of a purchase on 
the Account.

OVERVIEW OF ACCOUNT. Your Account may be divided into two or more balances. These 
balances  may  also  be  referred  to  as  subaccounts.  Different  terms  may  apply  to  different 
balances.
USING YOUR ACCOUNT. You may use your Account for purchases. Purchases will be part of 
the regular balance unless a Sales Slip shows that special terms apply. If special terms apply, 
the purchase will be part of a special terms balance. Special terms are described later in this 
Agreement (see Special Terms section). 
You promise that you will use your Account only for lawful personal, family or household 
purposes.  In  addition,  we  reserve  the  right  to  deny  transactions  or  authorizations  from 
merchants apparently engaging in the Internet gambling business or identifying themselves 
through the Card transaction record or otherwise as engaged in such business. We are not 
responsible if anyone does not allow you to use your Account.
PROMISE TO PAY. When you use your Account, or let someone else use it, you promise to 
pay the total amount of the purchase, as well as any interest, fees or other amounts that you 
may owe us. We may limit or close your Account, but the terms of this Agreement will apply 
until you pay the Account in full.
CREDIT LIMIT. We will assign a Credit Limit to your Account. A Credit Limit is the amount of 
credit we will extend to your Account. Your Credit Limit is provided with your Card and on 
each of your statements. You promise to use your Account only to the Credit Limit. If you 
exceed your Credit Limit, we may authorize the transaction without increasing your Credit 
Limit. If you exceed your Credit Limit, you will remain liable for all amounts payable under 
this Agreement. We can adjust your Credit Limit at any time.
CREDIT ACCESS DEVICE. We may provide you with Credit Access Device(s) to access your 
Account. The related interest and fee terms will be given to you when you receive the Credit 
Access Device(s).
Fees and Interest 
FEES. You agree to pay the following fees. You will find the fee amounts in the Important 
Terms of Your Credit Card Account. These fees will be charged to your regular balance unless 
stated otherwise below.
•  Late Payment Fee. This fee may be charged each time we do not receive the Minimum 

Payment Due by the Payment Due Date.

•  Returned Payment Fee. This fee may be charged when a payment is dishonored the first 

time or is returned unpaid.

INTEREST RATES. We use daily periodic rates and corresponding APRs to figure interest on 
balances on your Account. The daily periodic rate is 0.07942%, which is calculated by dividing 
the APR by 365.
WHEN WE CHARGE INTEREST. Unless stated otherwise below, we begin charging interest 
on a purchase or interest charge on the date the purchase or interest charge posts to your 
Account. We begin charging interest on a fee on the first day of the Billing Cycle following the 
Billing Cycle in which the fee posts to your Account. However, if a late payment fee is posted 
to your Account in the current Billing Cycle, but is related to a late payment in the prior Billing 
Cycle, we will begin charging interest on the fee on the first day of the current Billing Cycle. 
HOW TO  AVOID  PAYING  INTEREST  ON  PURCHASES.  Unless  described  differently  in  the 
Special Interest Terms section below, you can avoid interest on any portion of a purchase 
balance shown on your current statement that you pay by the Payment Due Date if the balance 
shown on your previous statement was zero or was paid in full by the Payment Due Date.
HOW  WE  CALCULATE  INTEREST—AVERAGE  DAILY  BALANCE  METHOD  (INCLUDING 
NEW  PURCHASES).  The  total  interest  charge  is  the  sum  of  interest  charges  (excluding 
deferred interest charges) for each type of balance on your Account (e.g. regular, each special 
terms balance). We figure the interest charge for each type of balance on your Account by 
applying the daily periodic rate to the average daily balance (“ADB”). Then, we multiply this 
amount by the number of days in the Billing Cycle.

Interest charge = daily periodic rate x ADB x number of days in the Billing Cycle.

ADBs for each type of balance are calculated separately, starting with the beginning balance 
on the first day of each Billing Cycle. The beginning balance on the first day of the Billing 
Cycle includes the following:
•  The prior Billing Cycle’s ending balance, which includes any unpaid fees posted to your 

Account in the prior Billing Cycle. 

•  Any late payment fees posted in the current Billing Cycle that are related to a late payment 

in the prior Billing Cycle. 

To get the ADB for each type of balance, we take the beginning balance each day and add 
any new purchases. Except for the first day of each Billing Cycle, we add interest equal to 
the  previous  day’s  balance  multiplied  by  the  daily  periodic  rate.  (This  means  interest  is 
compounded daily.) Then, we subtract any payments or credits. This gives us the daily balance. 
Any daily balance that is a credit balance will be treated as zero. Then, we add up all the daily 
balances for the Billing Cycle. We divide this amount by the number of days in the Billing 
Cycle. This gives us the ADB.

ADB = sum of daily balances ÷ number of days in the Billing Cycle.

MINIMUM INTEREST CHARGE. If you are charged interest in a Billing Cycle, the charge will 
be no less than $1.00.
Payments 
MINIMUM PAYMENT DUE. You promise to pay the Minimum Payment Due by the Payment 
Due Date. The Minimum Payment Due is the sum of:
•  Any past due amounts; plus
•  The payment for Regular Payment Terms (see Regular Payment Terms below); plus 
•  The payment(s) for any balances with Payment in Full/’Equal Payments’ or Custom Payments 

(see Special Payment Terms below).

You may at any time pay, in whole or in part, the Outstanding Balance without any additional 
charge for prepayment. If you pay more than the Minimum Payment Due but less than the 
Outstanding Balance, you are still required to pay the Minimum Payment Due in the next 
Billing Cycle.
REGULAR PAYMENT TERMS. All balances will have Regular Payment Terms unless a Sales Slip 
shows that Payment in Full/’Equal Payments’ or Custom Payments apply. We combine balances 
with  Regular  Payment  Terms  (the “Combined  Balance”)  to  figure  the  payment  for  these 
balances. A new Combined Balance is figured on the first statement closing date after any 
balance with Regular Payment Terms is established. The Combined Balance does not change 
unless balances with Regular Payment Terms increase above the current Combined Balance.
The payment for balances with Regular Payment Terms will be the greater of:
•  $40.00 (or the sum of balances with Regular Payment Terms if it is less than $40.00); or
•  3.5% of the Combined Balance; or
•  The sum of interest charges for balances with Regular Payment Terms, fees assessed during 

the current Billing Cycle, and 1% of the Combined Balance.

PAYMENT INSTRUCTIONS. Follow these instructions when making a payment:
•  Make your payment in U.S. dollars, but do not send cash.
•  If you make a payment by mail, please include the Payment Stub with your payment. Use the 
envelope enclosed with your statement to mail both documents to the Payment Address. 
Payments received by 5:00 p.m. local time at the Payment Address will be credited as of the 
date of receipt. Payments received after the 5:00 p.m. cut-off time will be credited as of the 
next day. When you provide a check as payment, you authorize us either to use information 
from your check to make a one-time electronic fund transfer from your Account or to process 
the payment as a check transaction. When we use information from your check to make an 
electronic fund transfer, funds may be withdrawn from your Account as soon as the same 
day we receive your payment, and you will not receive your check back from your financial 
institution. Your statement also explains how information on your check is used.

•  If you make a payment online, it must be made via our website, which is shown on your 
statement.  The  cut-off  time  for  online  payments  will  be  disclosed  at  the  time  of  the 
transaction. 

If you do not follow these instructions, your payments may not receive credit for up to five 
days after we receive it. 
Some of your available line of credit may be held, at our discretion, until your payment is 
honored.
IRREGULAR PAYMENTS. We may accept late payments, partial payments or payments that 
reflect “paid in full” (or other restrictive language), without losing our rights to receive full 
payment. If you intend to claim to pay your Account in full with an amount less than the 
Outstanding Balance, payments must be sent to us at Wells Fargo Bank, N.A., P.O. Box 14453, 
Des Moines, IA 50306.

Page 2 of 4

6102OA PLFX (1121)

APPLICATION OF PAYMENTS. We apply payment amounts equal to or less than the Minimum 
Payment Due at our discretion. We apply any payment amounts in excess of the Minimum 
Payment Due as follows:
•  First, to balances with No Interest if Paid in Full terms during the two full Billing Cycles 
immediately preceding expiration of the special terms period. Otherwise, for purposes of 
this section only, these balances are considered to have an APR of 0%;

•  Then to balances with higher APRs before lower APRs.
Any  payment  in  excess  of  the  Minimum  Payment  Due  is  applied  based  on  the  balances 
reflected on your last statement. We post payments in the Billing Cycle they are received.
Other Information 
CANCELLATION. We may close your Account at any time and for any reason. You may also 
close  the  Account  at  any  time  by  contacting  us.  If  that  happens,  you  must  still  repay  the 
balance owed according to the terms of this Agreement. If we close the account, notice may 
be provided to only one Account Holder. 
AUTHORIZED  USERS.  If  we  permit  authorized  users  on  your  Account,  you  may  request 
additional Cards for authorized users. You are responsible for all charges (including related 
interest and fees) made by the authorized user. If you want to end an authorized user’s privilege 
to use your Account, before we can process the request, you must:
•  Recover and destroy that person’s Card. If you do not recover and destroy the Card, you 
will continue to be liable for any charges made after you advised us of your wish to cancel 
the privileges, unless you tell us to cancel all Cards and establish a new Account for you.
•  You must notify us of your request by contacting us at the phone number or address shown 

on your statement.  

In  general,  an  authorized  user  is  not  obligated  on  this  Account  and  is  not  liable  for  any 
Outstanding Balance or any other charges made by you or by any other authorized user. Each 
authorized user’s privilege ends automatically upon the death of all account holders. If any 
person uses the Card, such use indicates his or her agreement to pay us, and we may, at our 
discretion, pursue the person for payment of any Outstanding Balance or any other charges 
they authorize. You agree to notify each authorized user that they are subject to all applicable 
sections of this Agreement.
CONTACTING YOU. By providing us with any phone number, you are expressly consenting 
permission to contact you at that number about all of your Wells Fargo accounts. You give 
consent to allow us to contact your past, present and future phone service providers to verify 
the information you have provided against their records. You agree that your phone service 
providers  may  verify  any  phone  numbers  you  have  supplied  to  the  name,  address,  and 
status on their records. In order for us to service your Account or to collect any amounts you 
may owe, you agree that we may contact you using any contact information related to your 
Account, including any number (i) you have provided to us, (ii) from which you called us, or 
(iii) which we obtained and reasonably believe we can reach you. We may use any means to 
contact you. This may include contact from companies working on our behalf to service your 
accounts. This may include automated dialing devices, prerecorded/artificial voice messages, 
mail, e-mail, text messages and calls to your mobile, wireless or similar device or Voice over 
Internet Protocol (VolP) service, or any other data or voice transmission technology. You are 
responsible for any service provider charges as a result of us contacting you. You agree to 
promptly notify us if you change any contact information you provide to us. This includes your 
name, mailing address, e-mail address(es), or phone number(s). If you have a joint account, a 
notice to one of you will serve as a notice to both of you.
PHONE MONITORING. We may monitor and record your phone calls with us.
LOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You agree to contact 
us immediately if your Card is lost or stolen or if you believe your Account is being used without 
your permission. You may contact us at 1-800-459-8451 or P.O. Box 10347, Des Moines, IA 
50306. You agree to assist us in our investigation of the matter. If you do this, you will not be 
held liable for the unauthorized use of your Account.
DEFAULT. Your Account will be in default if any of the following occur:
•  You fail to pay the Minimum Payment Due by the Payment Due Date.
•  Any payment is dishonored.
•  You violate the terms of this Agreement.
•  You made an untrue statement on your application.
•  You file for bankruptcy.
If this is a joint Account, a default by one of you will be a default by all of you. If your Account is 
in default, our rights include, but are not limited to, refusing to authorize further transactions, 
closing your Account, and requiring the immediate payment of the Outstanding Balance. 
If your Account is in default, you also agree to pay our collection costs, attorney’s fees, and 
court costs.
GOVERNING LAW. Federal law and the laws of South Dakota govern this Agreement and 
your Account.
CHANGE IN TERMS. We may change this Agreement at any time. These changes may 
apply to existing and future balances. We will give you advance written notice of the 
change(s) and a right to reject the change(s) if required by law. We may require you to 
close your Account or take other actions if you reject the changes.
ENFORCING THIS AGREEMENT. We may waive or delay enforcing any of our rights without 
losing them. We may waive or delay enforcing a right against one of you without waiving it 
as to the other.
SEPARATION OF UNLAWFUL PROVISIONS. If any provision of this Agreement is determined 
to be unlawful, the rest of the Agreement will stand and the unlawful provision will be deemed 
amended to conform to law.
INFORMATION  SHARING.  You  authorize  us  to  share  your  personal  and/or  Account 
information with nonaffiliates. Nonaffiliates include Merchants, their affiliates, their service 
providers,  and  program  sponsors  (“sponsors”).  A  sponsor  is  a  franchisor,  manufacturer, 
distributor of goods or an association of retail sellers. Sponsors have arrangements with us 
to make credit card programs available to Merchants associated with the sponsor. Federal 
or state laws may limit our ability to share your personal and/or Account information with 
nonaffiliates  even  though  you  have  given  us  this  authorization.  We  comply  with  these 

federal and state laws. Please refer to the Wells Fargo Retail Services Privacy Notice for more 
information about how we collect, share, and protect your information, as well as how you 
may limit some, but not all, information sharing.
CREDIT  INFORMATION.  You  promise  that  any  information  you  give  to  us  in  connection 
with your Account is true and complete. You understand that we rely on this information 
to open your Account and extend credit to you. You authorize us to investigate your credit, 
employment,  assets,  and  income  records  and  to  verify  your  credit  references.  You  also 
authorize us to obtain credit reports on you from time to time. 
INFORMATION REPORTING. You agree that we may report your performance, status, and 
history under this Agreement to consumer reporting agencies. If you request additional Cards 
on your Account for others, you understand that we may report Account information in your 
name as well as in the names of those additional cardholders. If you fail to comply with the 
terms of the Account as defined in this Agreement, it will be furnished to the credit reporting 
agencies and it could cause a negative reference on your credit report and the credit reports 
of any additional cardholders. You have the right to dispute the accuracy of information that 
we have reported by writing to us at Wells Fargo Bank, N.A., P.O. Box 14517, Des Moines, IA 
50306 and describing the specific information that is inaccurate or in dispute and the basis 
for any dispute with supporting documentation. In the case of information that you believe 
relates to an identity theft, you will need to provide us with an identity theft report.
ASSIGNMENT.  We  have  the  right  to  assign  your  Account  to  another  creditor.  The  other 
creditor is then entitled to any rights we assign to them. You do not have the right to assign 
your Account.
SECURITY INTEREST. You grant us a purchase-money security interest under the Uniform 
Commercial  Code  in  the  goods  purchased  on  your  Account. We  will  retain  the  purchase-
money security interest until such goods are paid for in full. You agree to assist us in executing 
any documents necessary to perfect our security interest.
Special Terms 
These terms apply to Special Terms.
SPECIAL TERMS. We may allow you to make purchases at special terms. If a Sales Slip shows 
that special terms apply, then the purchase will be governed by the special terms and the 
terms of this Agreement. You accept the special terms by making the purchase. A Sales Slip 
will state the length of the special terms period, if any. Separate purchases with the same 
special terms may be included in the same special terms balance. If special terms balances 
are combined, this may increase the payment for that balance. If a balance is not paid in full 
before the end of the No Interest or No Interest if Paid in Full period, the balance (and any 
deferred interest) will be transferred to your regular balance.
SPECIAL  INTEREST TERMS.  A  Sales  Slip  may  indicate  that  one  or  more  of  the  following 
special interest terms applies. Except for No Interest balances, we will use the same method 
to calculate interest as described above in How We Calculate Interest—Average Daily Balance 
Method (Including New Purchases).
•  No Interest. This means there is no interest charge on the purchase balance until the end of 
the special terms period. You may avoid interest on the balance by paying it in full before 
the end of the special terms period.

•  No Interest if Paid in Full. This means we calculate interest on the purchase balance. This 
amount  is  called  the  deferred  interest  charge. The  deferred  interest  charge  will  not  be 
added to the balance unless you do not pay the balance in full by the end of the special 
terms period. You may avoid interest on the balance by paying it in full before the end of 
the special terms period.
The following No Interest if Paid in Full special terms promotion may be offered to you:

No Interest 
if Paid in 
Full with 
monthly 
payments

If the purchase balance is not paid in full within the special terms 
period, interest will be charged to your Account from the purchase 
date at a rate of 28.99%. This special terms promotion may be offered 
for  periods  of  6-18  months.  This  special  terms  promotion  will  be 
identified on your statement as “NO INT IF PD IN FULL.” The Special 
Terms End Date will disclose the duration of the special terms.

•  Special Rate. This means the APR shown on the Sales Slip will be used to figure interest on 
the purchase balance. A special rate of 0% APR may be advertised as a “no interest” special 
terms promotion.

SPECIAL PAYMENT TERMS. A Sales Slip may indicate that one or more of the following special 
payment terms applies.
•  Payment in Full/’Equal Payments’. This means the payment is the amount required to pay the 
initial purchase balance shown on your statement in full during the special terms period. 
The special payment terms are an estimate assuming required monthly payments are made 
on the payment due date; no other balances are currently carried or will be carried on the 
account; and no additional charges are or will be added to the account. Because your actual 
account activity may be different than the assumptions used, or because of rounding, the 
number of payments or the final payment amount could be different.

•  Custom Payments. This means the payment is a set dollar amount or a fraction or percent 
of the highest balance of this type on any statement closing date. The payment will not 
change unless, on a future statement closing date, the balance increases above the highest 
balance.

Interpreter Certification 
INTERPRETER  CERTIFICATION.  THIS  CERTIFICATION  APPLIES  IF YOU  CHOSE TO  DISCUSS 
WITH US OR THE MERCHANT THE TERMS AND CONDITIONS OF YOUR ACCOUNT IN SPANISH, 
CHINESE, KOREAN, VIETNAMESE, OR TAGALOG. By signing the credit card application, using or 
otherwise accepting the Card or related Account issued to you, you certify to Wells Fargo Bank, 
N.A. (us) that: (1) You have received and discussed this Agreement with your interpreter and 
that you and your interpreter have been given an opportunity to discuss and negotiate with 
us or the Merchant the terms and conditions contained in these enclosed documents; (2) Your 
interpreter is at least 18 years old and is fluent both in English and in the language in which 
you chose to discuss with us or the Merchant the terms and conditions of your Account, and 
is not employed by or made available through the Merchant; (3) You understand and agree 
to the terms and conditions contained in these enclosed documents as written.

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CERTIFICACIÓN  DE  INTÉRPRETE.  ESTA  CERTIFICACIÓN  SE  APLICA  SI  USTED 
ELIGIÓ CONVERSAR CON NOSOTROS O CON EL COMERCIO SOBRE LOS TÉRMINOS Y 
CONDICIONES DE SU CUENTA EN ESPAÑOL, CHINO, COREANO, VIETNAMITA O TAGALO. 
Al firmar la solicitud de tarjeta de crédito, utilizar o aceptar de otro modo la Tarjeta o 
la Cuenta relacionada que se le haya otorgado, usted certifica a Wells Fargo Bank, N.A. 
(nosotros) que: (1) Usted ha recibido y analizado este Contrato con su intérprete, y que 
usted y su intérprete han tenido la oportunidad de analizar y negociar con nosotros o 
con el Comercio los términos y condiciones contenidos en estos documentos adjuntos; 
(2) Su intérprete tiene por lo menos 18 años y habla con fluidez en inglés y en el idioma 
en el que usted haya elegido analizar con nosotros o con el Comercio los términos y 
condiciones de su Cuenta, y no es un empleado ni ofrece sus servicios a través del 
Comercio; (3) Usted entiende y acepta los términos y condiciones contenidos en estos 
documentos adjuntos tal como se encuentran redactados.
傳譯員確認書。如果您選擇用中文和我們或商家討論有關您的帳戶的條款和條件，本
確認書適用。 如果您簽署信用卡申請書、使用或以其他方式接受富國銀行（Wells Fargo 
Bank,  N.A.，「我們」）核發給您的卡或相關帳戶，您即向我們確認：(1)  您已經收到並
與您的傳譯員討論過本協議，而且您及您的傳譯員已有機會與我們或商家討論、協商
本文件中包含的條款及條件。(2)  您的傳譯員至少年滿18歲，並能夠流利使用英文和中
文（您選擇用中文與我們或商家討論您帳戶的條款及條件），且該傳譯員並非商家僱
員，亦非經由商家安排。(3) 您理解並同意本文件中包含的現有書面條款與條件。
통역사 인증. 귀하의 계좌 이용약관에 대해 저희 또는 가맹점과 한국어로 논의할 것을 
선택하셨다면 이 인증이 적용될 것입니다. 카드 신청서에 서명하거나, 귀하에게 발행된 
카드 혹은 관련 계좌를 사용하거나 수락함으로써 귀하는 Wells Fargo Bank, N.A. (
저희)에 다음에 명시된 사항을 보증하시게 됩니다. (1) 귀하는 귀하의 통역사와 함께 
이 동의서를 받고 검토하였으며, 귀하와 귀하의 통역사에게 이 동봉된 서류들의 약정에 
대해  저희  또는  가맹점과  논의하고  검토할  수  있는  기회를  드렸습니다.  (2)  귀하의 
통역사는  18  세  이상이며,  영어와  귀하가  저희  또는  가맹점과  귀하의  이용약관에 
대해 논의할 언어로 선택한 한국어에 모두 능통하며, 가맹점에서 또는 가맹점을 통해 
고용하지 않았습니다. (3) 귀하는 이 동봉된 서류들에 기재된 이용약관을 이해하며 그 
내용에 동의합니다.
CHỨNG NHẬN THÔNG DỊCH VIÊN. SỰ CHỨNG NHẬN NÀY ÁP DỤNG NẾU QUÝ VỊ 
ĐÃ QUYẾT ĐỊNH BÀN THẢO VỚI CHÚNG TÔI HAY NGƯỜI BÁN HÀNG VỀ CÁC ĐIỀU 
KIỆN VÀ ĐIỀU KHOẢN CỦA TRƯƠNG MỤC BẰNG TIẾNG VIỆT. Khi ký tên vào đơn xin 
thẻ tín dụng hoặc sử dụng hay chấp thuận Thẻ hoặc Trương Mục liên quan được cấp cho quý 
vị, quý vị chứng nhận với Wells Fargo Bank, N.A. (chúng tôi) rằng: (1) Quý vị đã nhận được 
và bàn thảo bản Thỏa Thuận này với thông dịch viên của quý vị, và quý vị và người này đã có 
cơ hội bàn thảo và thương lượng với chúng tôi hay Người Bán Hàng về các điều khoản và điều 
kiện trong những văn kiện đính kèm này. (2) Thông dịch viên của quý vị đã ít nhất 18 tuổi và 
thông thạo cả Anh ngữ và ngôn ngữ mà quý vị chọn để thảo luận với chúng tôi hay Người Bán 
Hàng về các điều khoản và điều kiện của Trương Mục của quý vị. Thông dịch viên cũng không 
phải là nhân viên của Người Bán Hàng hoặc do Người Bán Hàng cung cấp cho quý vị. (3) Quý 
vị hiểu và đồng ý với các điều khoản và điều kiện chứa trong những văn kiện đính kèm này.
SERTIPIKO  NG  TAGAPAGSALING-WIKA.  ANG  KATIBAYANG  ITO  AY  MALALAPAT  KAPAG 
NAGPASIYA  KAYONG  MAKIPAG-USAP  SA  AMIN  O  SA  MANGANGALAKAL  UKOL  SA  MGA 
TAKDA  AT  KONDISYON  NG  INYONG  ACCOUNT  SA  TAGALOG.  Sa  pagpirma  ng  aplikasyon 
para  sa  credit  card,  paggamit  o  kaya’y  sa  pagtanggap  ng  Card  o  kaugnay  na  Account  na 
ibinigay sa inyo, pinapatunayan ninyo sa Wells Fargo Bank, N.A. (kami) na: (1) Natanggap at 
napag-usapan ninyo ng inyong tagapagsaling-wika ang Kasunduang ito at kayo ng inyong 
tagapagsaling-wika ay nabigyan ng pagkakataon na makipag-usap at makipagkasundo sa 
amin o sa Mangangalakal tungkol sa mga takda at kondisyon na nilalaman ng mga nakalakip 
na dokumentong ito; (2) Ang inyong tagapagsaling-wika ay hindi kukulangin sa 18 taong 
gulang at matatas sa Ingles at wikang Tagalog na pinili ninyo upang makipag-usap sa amin 
o sa Mangangalakal tungkol sa mga takda at kondisyon ng inyong Account, at hindi siya 
tauhan ng Mangangalakal o nakuha sa pamamagitan ng Mangangalakal; (3) Naiintindihan 
ninyo at sumasang-ayon kayo sa mga takda at kondisyon na nilalaman ng mga nakalakip na 
dokumentong ito.
Notices 
THE  MILITARY  LENDING  ACT  NOTICE:  Federal  law  provides  important  protections  to 
members of the Armed Forces and their dependents relating to extensions of consumer credit. 
In general, the costs of consumer credit to a member of the Armed Forces and his or her spouse 
or dependent may not exceed an annual percentage rate of 36 percent. This rate must include, 
as applicable to the credit transaction or account: The costs associated with credit insurance 
premiums;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any 
application fee charged (other than certain application fees for specified credit transactions 
or accounts); and any participation fee charged (other than certain participation fees for a 
credit card account). Please Note: There are NO credit insurance premiums, fees for ancillary 
products, or application fees with this Account. 
You may contact us at 1-800-338-3273 for information about the Military Annual Percentage 
Rate and a description of your payment obligation.  
The Arbitration Agreement does not apply to you if you are covered by the Military Lending 
Act nor do any provisions that waive any right to legal recourse under any state or federal law 
to the extent required by the Military Lending Act.
IN CALIFORNIA: A married applicant may apply for a separate account. After credit approval, 
each applicant will have the right to use this Account to the extent of any limit set by us, and 
may be liable for all amounts extended under this Account to any joint applicant.
IN NEW JERSEY: Certain provisions of this Agreement are subject to applicable law. As a 
result, they may be void, unenforceable or inapplicable in some jurisdictions. None of these 
provisions, however, is void, unenforceable or inapplicable in New Jersey.
IN  NEW  YORK,  RHODE  ISLAND  &  VERMONT:  A  consumer  report  may  be  requested  in 
connection with this application or any update, renewal or extension of any credit granted 
as a result of this application. Upon your request, you will be informed whether a report was 
obtained, and if so, the name and address of the consumer report agency. You consent to our 
obtaining of such reports by signing or otherwise submitting a credit application.

IN  OHIO:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit 
equally available to all creditworthy customers, and that credit reporting agencies maintain 
separate credit histories on each individual upon request. The Ohio Civil Rights Commission 
administers compliance with this law.
IN WISCONSIN: If you are applying either individually or jointly with someone other than your 
spouse, please contact us immediately at: 1-855-412-2787 and provide us with the name and 
address of your spouse. We are required by law to inform your spouse that you have opened 
an  account  with  us.  Also,  please  note  that  no  provision  of  a  marital  property  agreement 
(including a Statutory Individual Property Agreement pursuant to Sec. 766.587, Wis. Stat.), 
unilateral statement classifying income from separate property under Sec. 766.59, or court 
decree under Sec. 766.70 adversely affects the creditor unless the creditor is furnished with a 
copy of the document prior to the credit transaction or has actual knowledge of its adverse 
provisions at the time the obligation is incurred.
Your Billing Rights: Keep This Document For Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing 
Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Wells Fargo Bank, N.A. 
P.O. Box 522 
Des Moines, IA 50306
In your letter, give us the following information:
Account information: Your name and account number.
• 
•  Dollar amount: The dollar amount of the suspected error.
•  Description  of  problem:  If  you  think  there  is  an  error  on  your  bill,  describe  what  you 

believe is wrong and why you believe it is a mistake.

You must contact us:
•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, if you want to stop 

payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are 
not  required  to  investigate  any  potential  errors  and  you  may  have  to  pay  the  amount  in 
question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We 

will also tell you if we have already corrected the error.

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you 

why we believe the bill is correct.

While we investigate whether or not there has been an error:
•  We cannot try to collect the amount in question, or report you as delinquent on that 

• 

amount.
The charge in question may remain on your statement, and we may continue to charge 
you interest on that amount.

•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are  responsible  for  the 

remainder of your balance.

•  We can apply any unpaid amount against your credit limit.
After We Finish Our Investigation, One Of Two Things Will Happen
• 

If we made a mistake: You will not have to pay the amount in question or any interest or 
other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, 
along with applicable interest and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report you as delinquent if you do not 
pay the amount we think you owe.

• 

If you receive our explanation but still believe your bill is wrong, you must write to us within 
10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
without  also  reporting  that  you  are  questioning  your  bill.  We  must  tell  you  the  name  of 
anyone to whom we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount 
you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit 
card, and you have tried in good faith to correct the problem with the merchant, you may 
have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true:
1.  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  your 
current mailing address, and the purchase price must have been more than $50. (Note: 
Neither  of  these  are  necessary  if  your  purchase  was  based  on  an  advertisement  we 
mailed to you, or if we own the company that sold you the goods or services.)

2.  You  must  have  used  your  credit  card  for  the  purchase.  Purchases  made  with  cash 
advances from an ATM or with a check that accesses your Credit Card Account do not 
qualify.

3.  You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us 
in writing at:
Wells Fargo Bank, N.A. 
P.O. Box 522 
Des Moines, IA 50306
While we investigate, the same rules apply to the disputed amount as discussed above. After 
we finish our investigation, we will tell you our decision. At that point, if we think you owe an 
amount and you do not pay, we may report you as delinquent.

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