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Wells Fargo Secured Visa Card Account Agreement – Wells Fargo

Personal

Wells Fargo Credit Cards

Account Agreements Wells Fargo Secured Visa  Card Account Agreement

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Wells Fargo Secured Visa  Card Account Agreement

Explore features and benefits

Consumer Credit Card Customer Agreement & Disclosure Statement

Secured Visa

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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 Servicemembers and Their Dependents:

Interpreter Certification:

Notice To California Cardholders

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

Upgrade

Not  all  accounts  will  qualify  for  an  upgrade  to  an  unsecured  credit  card.  Eligibility  to  upgrade  to  an  unsecured  credit  card  is  restricted  to  U.S.  citizens  and

permanent  resident  aliens  with  a  valid  Social  Security  Number  or  Individual  Taxpayer  Identification  Number.    For  accounts  that  qualify  for  an  upgrade  to  an

unsecured credit card, timing will vary. 

Periodically throughout the year the Bank will review accounts to determine qualification for a possible upgrade to an unsecured credit card. The Bank will consider

many factors including but not limited to how the Secured Credit Card account, any other credit accounts, and other Wells Fargo accounts are managed.

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Account funding.  You agree that the Bank may immediately transfer the security deposit from the account specified by you, or deposit the check provided by you,

upon approval of your application. If your account is approved, but not funded immediately, you will have 30 days to complete funding after which time your account

will be closed.

If your application is approved, your credit limit will be equal to your security deposit and the security deposit will be held in a Wells Fargo Collateral Account opened

in your name.  Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

SECURITY INTEREST, PLEDGE, COLLATERAL. This is a secured credit card account. In consideration of the issuance of this secured credit card account, you

have authorized Wells Fargo Bank, N.A. to open a deposit account with your security deposit called the "Secured Card Collateral Account" (the "Collateral Account")

in your name. To secure all of your obligations arising under this credit card account, you assign, transfer, pledge, grant a security interest in, and set over to the

bank all rights, title and interest in the Collateral Account/Security Deposit and in all renewals, additions and proceeds of the Collateral Account. You agree that this

security interest, pledge, and assignment includes and gives the Bank the right to redeem, collect and withdraw any part or the full amount of the Collateral Account

upon  any  default  under  the  secured  credit  card  agreement  or  in  the  event  your  secured  credit  card  account  is  terminated  for  any  reason.  You  acknowledge  and

agree that this security interest, pledge, and assignment means that the bank has exclusive control over the Collateral Account. You may not make any withdrawals

from the Collateral Account while it secures your credit card. The Secured Card Collateral Account is a non-interest bearing account; therefore, no interest will be

paid to you on this account. This security interest, pledge, and assignment is given as security for any and all amounts you may owe, including but not limited to

interest, fees and charges which may accrue under your secured credit card account. You agree that if the secured credit card account is closed for any reason, the

bank may apply funds in the Collateral Account to pay off any balance on the credit card account. If there are still funds remaining in the Collateral Account after

doing so, these funds may remain on deposit for up to 60 days before being remitted to you by electronic transfer to the Wells Fargo checking or savings account

that was used to fund the original deposit. If the account is no longer open, or the Collateral Account was funded using cash or a check, you will receive a check for

any remaining funds for the collateral deposit in the mail. If you are no longer an owner of the account that you used to fund the original security deposit, you must

notify Wells Fargo of this before or at the time of closure to prevent electronic transfer of the security deposit to the funding account.

(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

Billing  Period

Balance

Transfer

Card

Cash Advance

Credit

Access Device

Important Terms

of Your Credit

Card Account

New Balance

Outstanding

Balance

Payment  Due

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 to 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.

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Use of your Account to buy or lease goods or services. Cash Advances, Balance Transfers and cash-like transactions are not Purchases. Tax

Purchase

payments and associated fees are Purchases.

Credit Limit

This is the amount that is available for your use.

We, Us, and Our

Wells Fargo Bank, N.A.

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 credit limit. If there is more than one person listed on the checking account (such as a joint checking

account) that you have linked for overdraft protection, then:

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.

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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.

(5) No Authorized Users.

(6) Lost or Stolen Cards and Liability for Unauthorized Use, and Zero Liability Protection. 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) Credit Limit.  We may assign the following limits to your Account:

Cash Advance Limit. We may restrict the amount of your credit limit that can be used for Cash Advances.

Your total credit limit 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 credit limit, we may allow the transaction without increasing your total credit limit 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 credit limit 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.  If  you  engage  in  abuse,  misuse  or  gaming  in

connection with earning or using points or attempt to do so, we may close or restrict your Wells Fargo credit card(s).  Abuse, misuse or gaming includes, but is not

limited  to,  making  multiple  purchases  and  multiple  payments  during  a  billing  cycle  whereby  the  dollar  amount  for  each  purchase  in  the  aggregate  substantially

exceeds your credit limit.  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.

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Changes To This Agreement

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(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.

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.

Rush Plastic Fee. This fee may be charged if you requested expedited delivery for your credit card.

Additional fees may be charged if agreed between you and us. All fees will be added to the Purchases balance, except Cash Advance fees and Overdraft Protection

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.

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(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

= 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 plus the greater of:

1. The sum of late, returned check, returned payment, rush plastic, and annual fees and interest billed during the Billing Cycle for which the Minimum Payment

is calculated plus 1% of the New Balance shown on the billing statement; or

2. $25.00 (or the entire balance on the Account if the New Balance is less than $25.00)

We require you to pay any amount over the limit of your credit card account. However, that amount is not included in your Minimum Payment Due. 

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The Minimum Payment 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 a 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  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).

(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

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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.

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

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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. Military Lending Act. The Arbitration Agreement may not apply to you if you are a covered borrower. Please see The Military Lending Act Notice in the

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.

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 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.

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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 Servicemembers and Their Dependents

(33) 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 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 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.

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Interpreter Certification

(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:

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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, 다
음 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.

Wells Fargo Card Services

PO Box 10347, Des Moines, IA 50306

1-800-642-4720

Hearing and Speech Impaired Customers, call the TTY number 1-800-419-2265

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Secured 11/19

M-128594

LS 9382

Important Terms of Your Credit Card Account

Pricing Addendum for Wells Fargo Secured Visa  Card

®

As of November 12, 2019

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for

Purchases

Annual Percentage Rate (APR) for

Balance Transfers 

Prime Rate + 15.74%

This APR will vary with the market based on the U.S. Prime Rate.

Prime Rate + 15.74%

This APR will vary with the market based on the U.S. Prime Rate.

APR for Cash Advances and Overdraft

Prime Rate + 20.74%

Protection Advances

This APR will vary with the market based on the U.S. Prime Rate.

How to Avoid Paying Interest on

Purchases

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.

For Credit Card Tips from the Consumer

Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer
Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

$25.00

Transaction Fees

Balance Transfers

Cash Advances

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.

Overdraft Protection Advances

$12.50 if the total of overdraft protection advances for the day is $50 or less;

$20 if the total of overdraft protection advances for the day is greater than $50.

Foreign Currency Conversion 

3% of each transaction converted to U.S. dollars.

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.

The  annual  fee  for  this  account  is  $25.  The  annual  fee  will  be  charged  on  your  first  periodic  statement  and  on  your  Secured  Credit  Card  account  opening

anniversary each year. The annual fee will not be billed after your Secured Credit Card account is closed. If your Secured Credit Card account is closed within 90

days of the annual fee being charged, the annual fee will be refunded.

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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 12/31/2019

Margin added to the Prime Rate to determine your APR for purchases

APR for purchases

4.75%

15.74%

20.49%

Margin added to the Prime Rate to determine your APR for cash advances and overdraft protection advances 20.74%

APR for cash advances and overdraft protection advances

25.49%

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© 1999 - 2019 Wells Fargo. All rights reserved. NMLSR ID 399801

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