The Private Bank By Invitation Visa Signature^® Card Terms and Conditions

Thank you for your interest in opening The Private Bank By Invitation Visa Signature® Card Account.

IMPORTANT DISCLOSURES

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	16.99% This APR will vary with the market based on the U.S. Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers	16.99% Balance Transfers are subject to eligibility. This APR will vary with the market based on the U.S. Prime Rate.
APR for Cash Advances and Overdraft Protection Advances	28.49% 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.
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.*

**Fees**
Annual Fee	None

Transaction Fees
• Balance Transfers	Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
• Cash Advances	Either $10 or 5% of the amount of each advance, whichever is greater.
• Foreign Currency Conversion/ Foreign Transaction	None

Penalty Fees
• Late Payment	Up to $40

How we will calculate your balance

We use a method called "average daily balance (including new purchases)".

* You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

We will begin charging interest on cash advances and balance transfers on the transaction date.

In this application, "the Bank," "Wells Fargo," "we," "our," and "us" refer to Wells Fargo Bank, N.A. "You" and "your" mean each person who applied for and received a Wells Fargo Credit Card account.

Please note: Information about the credit card Account’s interest rates, interest charges, and fees is correct as of May 2024. This information may have changed after that date. To learn of any changes, call 1-877-646-8560.

Part 1: Important Details About Using This Credit Card Account

What is this application for?
What do you agree to by applying for this credit card account?
Will you qualify if you have more than one Wells Fargo Credit Card account?
What procedures do we use to verify your identity when you open an Account?
How do we review this application?
What should you do once you receive your new card?
What is the minimum credit limit?
How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?
How do we calculate your variable APRs?
How do we apply your payments?
How does Overdraft Protection work?
How do we verify information from phone service providers?
How and why can we contact you?
What happens if your contact information changes?
How is the credit card law different for Ohio residents?
How is the credit card law different for married Wisconsin residents?
What is Cellular Telephone Protection?

Part 2: Summary of the Wells Fargo Rewards® Program Terms and Conditions and
The Private Bank By Invitation Visa Signature^® Card Addendum

What do you earn by participating in the Program?
How do we calculate Rewards Points?
How do you earn or accumulate Rewards Points?
Which transactions do not earn Rewards Points?
What can reduce or eliminate your Rewards Points?
Do Rewards Points expire?
What can you redeem your Rewards for?
How can you redeem Rewards Points?
What happens to your Rewards if you pay your Credit Card late?
Can we change these Terms and the Program?
Can we stop you from participating in the Program?
Can you cancel your Rewards Points Program?

Part 1: Important Details About Using This Credit Card Account

What is this application for?
This application is for a credit card account with Wells Fargo Bank, N.A.
What do you agree to by applying for this credit card account?
- Correct Information
  You agree that all the information you provided in this application is true, correct, and complete.
- Legal Capability
  You agree that you can legally enter into the Consumer Credit Card Customer Agreement and Disclosure Statement (Agreement).
- Marital Status
  Regardless of your marital status, you are applying for a credit card account in your own name.
- Account Agreement
  You agree to the terms and conditions of the Agreement which will be sent to you. You can also access the Agreement by accessing this link: www.wellsfargo.com/credit-cards/agreements/the-private-bank-by-invitation-visa-signature-agreement/.
  Please note that the Agreement’s terms may change at any time, subject to applicable law.
- Arbitration Terms
  You agree to the arbitration terms included in the Agreement. You can access the arbitration terms by accessing this link: https://www.wellsfargo.com/credit-cards/agreements/the-private-bank-by-invitation-visa-signature-agreement/.
- Financial Liability
  By using this account, you are financially liable (responsible) for any amount you charge or authorize another to charge, including any amounts by any authorized users.
- Verification
  By applying for this credit card account, you agree that we may:
  - Verify or check any of the information you give us
  - Obtain credit reports about you
  - Investigate your credit, employment, and income history
  - Investigate your state records, including state employment security agency records
  - Report information about your account to consumer reporting agencies
  You also agree that we may obtain a consumer report from consumer reporting agencies to do the following:
  - Consider your application
  - Update, renew, extend credit, review, or collect money on this Account
  Upon your request, we will tell you the name and address of each consumer reporting agency that provides us a consumer report about you.
Will you qualify if you have more than one Wells Fargo Credit Card account?
You may not qualify for an additional Wells Fargo-branded credit card if you have opened a Wells Fargo -branded credit card in the last 6 months.
What procedures do we use to verify your identity when you open an Account?
Important information about procedures for opening a new account.
To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying information.
How do we review this application?
You agree that we can review your criteria to determine which products you qualify for and how much credit we will give you. Further, you agree that we will give you the product and pricing you qualify for.
What should you do once you receive your new card?
As soon as your new card arrives, please confirm with us that you received it. You can confirm your card by using one of many convenient methods that we provided with your card.
If you do not confirm your card, your requests for certain services may be delayed, such as:
- Balance transfers
- Overdraft Protection
- Wells Fargo Online^®
- ATM access
Further, you may also be denied access to your Account.
What is the minimum credit limit?
The minimum credit limit is $5,000.00.
How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?
If you are applying for an additional card, then you agree that we can distribute your credit limits between each card if:
- You already have a Wells Fargo Credit Card account that has no current balance, and
- You have not used the Wells Fargo Credit Card account for any reason within the past six months.
Please note: You can change or re-distribute your credit limits on your own by calling Customer Service any time at the number listed on the back of your card. Certain restrictions may apply.
How do we calculate your variable APRs?
A variable APR is an interest rate that varies with the market based on the U.S. Prime Rate. To calculate your variable APR for each billing period, we use the U.S. Prime Rate and add a margin.
- How We Determine the U.S. Prime Rate
  Each billing period, we use the U.S. Prime Rate that the Wall Street Journal publishes in its Money Rates section three business days before your billing statement’s closing date. When more than one U.S. Prime Rate exists, we use an average. If the U.S. Prime Rate is not published or available (temporarily or permanently), we use a substitute index that we believe is similar to the U.S. Prime Rate. We do so at our sole discretion.
  As of 11/18/2024, the U.S. Prime Rate is 7.75%.
- How We Calculate Your Variable APR
  We use the following margins:
  - For purchases and balance transfers: We add 9.24% to the U.S. Prime Rate. Your creditworthiness determines the percentage we use. The Maximum APR is 29.99%.
  - For cash advances and overdraft protection advances: We add 20.74% to the U.S. Prime Rate. The Maximum APR is 29.99%.
  We reserve the right to change terms, APRs, and fees at our discretion by following your Agreement and as allowed by applicable law.
  Please note: You may not qualify for the lowest APRs described. We review your credit report, information provided in your application, and other available relevant information to determine your APRs.
How do we apply your payments?
- Minimum Payment
  Generally, we process your minimum payment in the following order:
  1. Lower APR balances (such as Purchases)
  2. Higher APR balances (such as Cash Advances)
- Amounts in Excess of the Minimum Payment
  If you pay more than your required minimum payment, generally we apply the excess first to the higher APR balances and then to lower ones.
How does Overdraft Protection work?
You can choose whether to link your Account to your Wells Fargo checking account for Overdraft Protection. To enroll, visit us online at: www.wellsfargo.com/credit-cards/features/overdraft-protection/.
If you choose to enroll, you can link to an account where you are either the sole owner or a joint owner.
- Joint Checking Accounts
  If you link to a joint Wells Fargo checking account, then you are responsible for all Overdraft Protection Advances from your credit card, including interest and charges. This responsibility applies regardless of who:
  - Writes the check,
  - Purchases items with the debit card, or
  - Engages in any other transaction that causes the overdraft
- When Interest Charges Begin
  Interest will begin to accrue on each date that an advance is made.
- Credit Card Confirmation Required
  You must confirm that you received your credit card. If you do not confirm your card, no money will transfer to cover the overdraft. Please allow up to three business days to fully enable your Overdraft Protection service once you confirm your credit card. Refer to the Agreement for details. You may be able to protect your Account against overdraft with other less costly options.
  For more information about Overdraft Protection, please visit the following webpages:
  - Using Your Card for Overdraft Protection:www.wellsfargo.com/credit-cards/features/overdraft-protection/
  - Other Overdraft Protection Options:www.wellsfargo.com/checking/overdraft-services/
How do we verify information from phone service providers?
You agree that we may contact your past, present, and future phone service providers to verify information that you gave us including any phone numbers against their records about you (such as name, address and account status).
How and why can we contact 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. If you provided a phone number(s), you agree that you are authorized to provide this phone number(s) and agree to receive calls and text messages from Wells Fargo at this number(s) for all your current and future Wells Fargo products and services. This does not give Wells Fargo permission to call or text you for marketing purposes. Message and data rates may apply. Message frequency varies. Automated systems, including prerecorded or artificial voice may be used.
What happens if your contact information changes?
You must promptly contact us if you change any of the contact information you provided us. This information includes your:
- Name
- Email addresses
- Mailing address
- Phone numbers
How is the credit card law different for Ohio residents?
Notice: 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.
How is the credit card law different for married Wisconsin residents?
Notice: If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.
What is Cellular Telephone Protection?
As a cardholder, you may be able to receive Cellular Telephone Protection. This coverage is a supplemental insurance policy. That means the policy is in addition to and supplemental to other insurance policies or protection that you may have, such as:
- Cellular wireless telephone insurance programs
- Insurance policies for homeowners, renters, automobiles, or employers
Coverage is provided after you use all other available insurance or protection, and it is subject to this policy’s terms, conditions, exclusions, and coverage limits of this benefit.
- Coverage Purpose
  This coverage can reimburse you (pay you back) for the cost to repair or replace your Cell Phone if it is ever
  - Damaged
  - Stolen
  - Unable to be recovered as a result of Involuntary and Accidental Parting
  "Involuntary and Accidental Parting" means that you have an unintended separation from your Cell Phone, and you know its location but cannot recover it.
  This coverage applies to all Cell Phones that appear on your Wireless Bill.
  "Wireless Bill" means your Cell Phone providers’ monthly billing statement that includes charges for your data, cellular service, or Cell Phone installment payments.
- How to Receive This Coverage
  You must use your covered Wells Fargo Credit Card to pay your monthly Wireless Bill.
- When the Charge Must Post to Your Covered Account
  Your Wireless Bill charge must post to your covered Wells Fargo Credit Card Account one month before your Cell Phone is damaged, stolen, or unrecoverable due to Involuntary and Accidental Parting.
  The coverage does not apply if you pay your bill using any of the following:
  - Wells Fargo Debit Card
  - Wells Fargo Business Credit Card
  - Wells Fargo Commercial Card
  - The card that you link to your Line of Credit
- Coverage Timing
  - When Coverage Starts: The first day of the calendar month after you pay your first Wireless Bill using your covered Wells Fargo Credit Card
  - How Long Coverage Lasts: As long as you continue charging your monthly Wireless Bill to your covered Wells Fargo Credit Card
- Claims Frequency and Reimbursement Amounts
  In a twelve-month period, we will pay up to two claims that reimburse you the cost to repair or replace your original Cell Phone. We will reimburse you up to $600 per claim and a maximum of $1200 per twelve-month period. Your reimbursement will be whichever of the following amounts is less:
  - The cost to repair the Cell Phone, minus your deductible.
  - The cost to replace the Cell Phone with similar features and functionality at the current market value at the time of loss, minus your deductible.
  - $600 per claim.
- Deductible Amount
  You pay a $25 deductible that we subtract from your reimbursement of the cost to repair or replace your Cell Phone.
- Examples of What We Do Not Cover
  This benefit only covers damage that affects your Cell Phone’s capabilities or functionality and does not cover:
  - Cosmetic damage
  - Cracked screens
  - Scratches
For the complete Cellular Telephone Protection coverage benefits, limitations, and exclusions, go to: www.wellsfargo.com/credit-cards/archived-product-benefits/the-private-bank-by-invitation-visa-signature/. Virginia Surety Company, Inc. provides this Cellular Telephone Protection.
Please note: We encourage you to set up automatic payments with your cellular provider. We do not require you to do so to qualify for Cellular Telephone Protection. However, to receive this Coverage, you must have paid your Wireless Bill with your covered Wells Fargo Credit Card in the month before your Cell Phone was either stolen, lost, or damaged.

Part 2: Summary of the Wells Fargo Rewards® Program Terms and Conditions and
The Private Bank By Invitation Visa Signature^® Card Addendum

Effective: December 10, 2023

These Wells Fargo Rewards Program Terms and Conditions Summary and Addendum (collectively called Terms) are only a summary of the full Terms. Other restrictions and requirements apply. If you are approved for The Private Bank By Invitation Visa Signature® Card, we will provide you with the full Terms.

You can also find the most current Terms online at wellsfargo.com/rewardsterms.

In this information, "you" and "your" mean each person who owns a Wells Fargo Credit Card (Credit Card) and participates in its Wells Fargo Rewards^® (Program), according to our records. "Wells Fargo," "we," "our," and "us" refer to Wells Fargo Bank, N.A.

The Terms

Represent all the Program’s terms and conditions for our credit card
Include any additional terms and conditions we reference
Include any promotional terms and conditions for earning bonus Rewards

We may add Addendums to these Terms and may also address the following:

Rewards Expiration
Rewards Forfeiture
Rewards Earnings and Limitations

By participating in this Program, you agree to these Terms. You also acknowledge that you must consent to certain agreements to use your account online.

Please note: This Program is not available for products, promotions, or offers unless we specifically allow it.

What do you earn by participating in the Program?
In this Program, you have a Rewards Account, which holds, calculates, or collects Rewards. These Rewards can be either Cash Rewards (including Rebates, which you will earn as Cash Rewards) or Rewards Points. Rewards only have cash value when or after you redeem them.
How do we calculate Rewards Points?
For every $1.00 you spend with this Credit Card for net purchases, you earn 1 Rewards Point. Net purchases are purchases you make minus any returns and/or credits you have. We round the amount to the nearest whole dollar.
Additional Bonus Points
You can earn additional bonus Points when you make net purchases directly with the following merchant categories:
- Travel
  You earn an additional 2 bonus Points (for a total of 3 Points) for every $1.00 you spend on your Credit Card for the following travel net purchases:
  - Airlines
  - Hotel/motels
  - Passenger railway
  - Cruise lines
  - Travel agencies
  - Vehicle/auto rentals
- Restaurants
  You earn 1 base Point and 1 additional bonus Point (for a total of 2 Points) for every $1.00 you spend on your Credit Card for net purchases at restaurants.
For both travel and restaurant purchases, we round every transaction to the nearest whole dollar to create your bonus Points.
These Points will appear in your Rewards Account and be available for you to use in one to two months after you earn them.
Purchases that Do Not Earn Additional Bonus Points
Purchases you make outside of the approved categories do not qualify for bonus Points. However, you will still earn one Point for every $1.00 you spend on net purchases.
We do not control how a retailer classifies their business to a merchant category. Therefore, we reserve the right to determine which purchases qualify for bonus Points. This includes purchases you make using a third-party payment account, with a mobile/wireless card reader, or through an online marketplace with multiple retailers.
Bonus Points for Promotions or Offers
You may also earn bonus Points for promotions or offers that connect to your Credit Card Account. You can choose whether to use a promotional offer or bonus offer. A promotional offer is one that a third party provides you. A bonus offer is one that we provide you. You will receive the bonus Points’ terms and conditions when your Credit Card has a promotion or bonus offer. You may have a limit on bonus Points.
Anniversary Bonus Points
Each year, you will earn an Anniversary Bonus of 35,000 Points ("Your Anniversary Bonus") if you spend at least $75,000 in Net Purchases during Your Anniversary Year. That twelve-month period begins the day you open your Account ("Your Anniversary Date") and ends on the day before your next Anniversary Date ("Your Anniversary Year"). Your Account must be open and not delinquent to earn Your Anniversary Bonus.

If you spend the required $75,000 before Your Anniversary Year ends, Your Anniversary Bonus will appear as Rewards pending on your Rewards Account through Your Anniversary Date. These Rewards become available one to two billing periods after Your Anniversary Date.
How do you earn or accumulate Rewards Points?
You can earn unlimited Rewards Points, unless we tell you otherwise. You can do so in a variety of ways, including:
- Credit Card Purchases
  - At qualifying merchants
  - With other promotions or offers that we provide you
- Non-Credit Card Activity
  - Gifts
  - Transfers
  - Other similar activity
- Promotions and Offers
  You may also earn bonus Rewards Points for promotions or offers that you have with your Credit Card Account. We will give you the terms and conditions for earning bonus Rewards Points when your Credit Card has a promotion or offer. A limit may exist on bonus Rewards Points.
Which transactions do not earn Rewards Points?
The following transactions do not earn Rewards Points for your Account:
- Cash Advances and Any Kind of Equivalents
  - ATM transactions
  - Cash advances
  - Money orders
  - Pre-paid gift cards
  - Traveler’s checks
  - Wire transfers
- Balance Transfers
  - Balance transfers
  - SUPERCHECKS^TM
- Disputes and Illegal Transactions
  - Disputed or illegal purchases
  - Purchases that violate these Terms or Addendum, or Credit Card Account agreement terms
- Fees and Interest
  Any fees or interest that post to your Credit Card Account, such as:
  - Annual or monthly fees
  - Returned payment fees
  - Late fees
- Gambling Transactions
  Any gambling transactions you make, including:
  - Bets or wagers made online
  - Casino gaming chips
  - Lottery tickets
  - Off-track wagers
What can reduce or eliminate your Rewards Points?
You will lose earned Rewards Points if you return a purchase or receive credit from a disputed purchase. As a result, you may create a negative Rewards Points balance, which will appear in your Rewards Account within one to two billing periods. We will calculate this negative balance into your Rewards Balance as you continue to buy items or do other non-credit card activity.
Do Rewards Points expire?
Rewards Points do not expire while the Credit Card Account is open.
What can you redeem your Rewards for?
You can redeem your Rewards for a variety of uses, including:
- Cash redemption
- Physical and electronic gift cards
- Charitable donations
- Travel
- Merchandise
- Pay with Rewards (PWR) at PWR Merchants
- Points Transfer
How can you redeem Rewards Points?
You can redeem Rewards Points in the following ways:
- By phone or online
  You can redeem Rewards Points in 2500-point increments. You can request a paper check or automatically apply them to either your:
  - Eligible Wells Fargo Checking or Savings accounts, or
  - Wells Fargo credit products that qualify to receive cash redemptions.
- As a Points Transfer
  You can redeem Rewards Points in 1-point increment to transfer as miles, points, or credits to participating partner loyalty transfer programs. Points Transfer redemption options are only eligible for Wells Fargo Credit Cards with Points, and you can only redeem them online. One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise. You must use at least 1 Point for the redemption and transfer.
- Through a Wells Fargo ATM
  You can redeem Rewards Points in 2000-point increments. You can either withdraw cash or transfer Rewards to an eligible Wells Fargo account. To redeem Rewards Points in this way, you must have a Wells Fargo Debit or ATM card. A maximum limit may exist on the dollar amount of cash redemption rewards you can make each day at a Wells Fargo ATM.
What happens to your Rewards if you pay your Credit Card late?
Your Credit Card becomes delinquent (late) when you do not pay your required payment by its due date. When this happens, your ability to redeem Rewards will not change.
Can we change these Terms and the Program?
Yes. We can change the Terms and change, suspend, or cancel any part of the Program at any time and for any reason. These changes may do any of the following:
- Prevent you from earning and/or using Rewards
- Decrease Rewards value
- Cause you to lose Rewards
If we materially change your Terms or the Program, we will notify you ahead of time. If we cancel the Program, then you must redeem your Rewards within three months from the date we notify you of this change. After this period, you lose any unredeemed Rewards.
Can we stop you from participating in the Program?
Yes. We can immediately suspend or cancel your Program, in whole or in part, at any time and for any reason. We will do so if you do any of the following:
- Violate these Terms or your Credit Card Account terms and conditions
- Engage in fraud or suspected fraud, or someone associated with your Account does
- Misuse or game the Program, or take another similar action
If we suspend or cancel your Program, this action may:
- Prevent you from earning and/or using Rewards
- Decrease Rewards value
- Cause you to lose Rewards
- Require us to close your Credit Card Account
NOTICE TO NEW YORK ACCOUNT HOLDERS: Effective December 10, 2023, if the Credit Card tied to Your Rewards Account is closed for any reason (except fraud or misuse), We will issue a check for the cash equivalent value of any available Rewards balance in Your Rewards Account. The check will be made payable to the Rewards Account owner and sent to the New York address on file for Your account.
Can you cancel your Rewards Points Program?
Yes. You can cancel your Rewards Points by closing your Credit Card Account. The following conditions apply:
- If you have closed all your Rewards-eligible Credit Cards: You give up any pending or active Rewards that exist on the date that the Account closes. The only exceptions are what may exist in the Terms.
- If you have multiple Credit Cards in your Rewards Account and you close one Credit Card: Your Rewards still stay in your Rewards Account.

The Private Bank By Invitation Visa Signature® Card Terms and Conditions