Page 1 of 12 CONSUMER CREDIT CARD CUSTOMER AGREEMENT & DISCLOSURE STATEMENT BY INVITATION ® VISA SIGNATURE ® Table of Contents: Your Contract With Us: Section 1 : Pg. 1 Using Your Account: Section 6 : Pg. 2 Changes To This Agreement: Section 12 : Pg. 4 Fees And Interest: Section 13 : Pg. 4 Billing Statements And Payments: Section 20 : Pg. 6 Other Important Information: Section 22 : Pg. 7 Your Billing Rights: Section 33 : Pg. 10 Vietnamese, or Tagalog: Your Contract With Us (1) Agreement . This Credit Card Agreement ("Agreement") covers the use of your credit card account ("Account") with us. It includes the Important Terms of Your Credit Card Account on the enclosed letter or the document that accompanies your Card, as well as any subsequent disclosures, all of which are incorporated here by reference. You accept the terms of this Agreement by using or activating your Account. If you have a joint Account, each of you is bound by this Agreement. Please read this Agreement carefully and save it for future reference. (2) Parties to this Agreement . (3) An Annual Percentage Rate (APR). Billing The interval between billing statements. Each billing statement shows a closing date. The statement closing date is the last day of the Billing Cycle for that billing statement. Card Any credit card we issue to use your Account. Cash Advance Obtaining cash or funds using your Account by: • presenting your Card at a bank that accepts Visa; • using your Card with your Card Personal Identification Number (PIN) to obtain cash from any Automated Teller Machine (ATM) which displays any of the logos appearing on your Card; • using any Wells Fargo debit card linked to your Account to obtain cash from any ATM which displays any of the logos appearing on your Wells Fargo debit card; • using the Wells Fargo Online Banking ® service for transactions other than those disclosed as balance transfers; • using our Customer Service department for transactions other than those disclosed as balance transfers; • taking overdraft protection advances; Important Terms of Your Credit Card Account Pricing Addendum for Wells Fargo Private Bank By Invitation® Visa Signature® As of 08/16/2014 Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Prime Rate + 9.25% This APR will vary with the market based on the U.S. Prime Rate. Annual Percentage Rate (APR) for Balance Transfers Prime Rate + 9.25% This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances and Overdraft Protection Advances Prime Rate + 20.74% This APR will vary with the market based on the U.S. Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Fees Annual Fee $0 introductory annual fee for the first year. $350 annual fee for subsequent years, but waived in each subsequent year that your account is part of an active relationship with Wells Fargo Private Bank on June 30. 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, for each SUPERCHECKS™ advance, ATM advance or each advance through the Wells Fargo Online® banking program or customer service. Either $20 or 5% of the amount of each advance, whichever is greater, for each advance obtained in person at a participating financial institution or other source. Penalty Fees • Late Payment • Returned Check or Returned Payment Up to $35. Up to $35. How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See the Customer Agreement and Disclosure Statement for more details. Annual Fees: There is a $0 introductory annual fee for the first year. After your account is open one full year and each year after that, your account is subject to the annual fee of $350. The fee is billed in September and may be waived if your account is part of an active relationship with Wells Fargo Private Bank as of the immediately preceding June 30. If your household relationship with Wells Fargo totals $1,000,000 or more, the annual membership fee will be waived. Your household relationship includes Wells Fargo Bank deposit accounts and personal brokerage assets that appear on your Wells Fargo Private Bank statements. How We Calculate Your Late Payment and Returned Check or Returned Payment Fees: The fee will be the lesser of the Minimum Payment or $25. For any subsequent event within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment or $35. How We Will Calculate Your Variable APRs: Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. 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 Customer Agreement and Disclosure Statement for more details. Variable Interest Rate Calculation Prime Rate effective as of 09/11/2014 3.25% Margin added to the Prime Rate to determine your APR for purchases 9.25% APR for purchases 12.50% 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 23.99% © 2014 Wells Fargo Bank, N.A. All rights reserved.