(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 changes to that agreement. This agreement is a contract between Wells Fargo Bank, N.A. and each account holder. You and any joint account holder agree to the terms of this agreement by using or activating your account. Please read this agreement carefully and keep it for your recordings. View new account agreements using the links provided. To request a copy of your existing account contract, call the number on the back of your card. We include consumer credit card agreements in this database, as the respective issuers have submitted. The GFPB is not responsible for the content of the agreements, including any discrepancies between an agreement as presented in the database and the agreement, as proposed to the public, or omissions or other errors in the agreement, as presented by the issuer. Wells Fargo and Company (NYSE: WFC) is a diversified, community-based financial services company with a fortune of $1.5 trillion. Founded in 1852, Wells Fargo is headquartered in San Francisco and offers bank, insurance, investment, mortgage and consumer finance and trading financing financing on more than 9,000 sites, 12,000 ATMs and the Internet (wellsfargo.com) and has branches in 36 countries to assist customers who do business in the global economy. With more than 264,000 team members, Wells Fargo serves one of three homes in the United States.

Wells Fargo and Company was ranked 25th in the 2013 Fortune ranking of the largest U.S. companies. Wells Fargo`s vision is to meet all of our customers` financial needs and help them financially succeed. Wells Fargo prospects are also available on blogs.wellsfargo.com. The same information can be shared with consumer reporting agencies for all additional cardholders. You can challenge the accuracy of the information we report to consumer reporting agencies by writing to Wells Fargo Credit Bureau Dispute Resolution, P.O. Box 14517, Des Moines, IA 50306-3517. Please describe in detail the information you deem inaccurate and provide all supporting documentation of your dispute. If your dispute is about identity theft, you must provide us with an identity theft report. Conversion point of the sale.

Some merchants outside the United States offer cardholders the option of converting card transactions by visa or by the merchant himself into U.S. dollars. If the latter option is chosen, the conversion rate is determined exclusively by the merchant participating in the transaction and the bank does not charge a conversion fee for the transaction.