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FargoHealthAdvantage'CreditCardAccountApplication1 l\,4erchat generates ndprints he disclos e document mportantTerms f You CreditCa d Accou t ("lmporta t Terms").2. Applicant(s)ompletes pplicant{s)nformation ection@.3. Applicant(s)ompletes ndsigns@ the Merchant opy of the mportantTerms.4. ivlerchant ntersApplicant(s)nformation@ nto electronic ppli cation rocessingystem.5. N4erchantbtains redit esponse.6. All 8 pages f this documentand he Applicant(s)opyof the mportantTerm aregiven o the applicant(s)or their records.

@ nppltcnr,rr(s) NFoRMATToNpLEAsERrNT)I''.".1,'."i'" CheckAc(ountChoi(e: D tnoividuat lointi l i l i : lr: i l tt tt i,_, _I : j i l i : i :, i l :; i ir iLi-i,--:--i l i- i* i l i i

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TheMerchant s required o provideyou, he Applicant(s), ith the lmportantTermsof YourCreditCardAccountat the time of application.Please o no t complete hisapplicationuntil your mportantTerms fYourCreditard Accounthavebeenprovided./t_l/i""T'";, ir l l t: i, l i i l

ii-ir-:litirtl l l t i l0 Physicalstreetddress,o Bo&City, tate,and ipcodeare he same sApp

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TO HELPTHE OVFRNMENTIGHTTHE UNDING FTERRORISMND MONEY AUNDERINGCTIVITIE'U.S.FEDERAREQUIRESINANCIALNSTITUTIONSO OBTAIN, ERIFY ND RECORDNFORMATIONHAT DENTIFIESACH ERSONOPENSAN ACCOUNT,WHATTHIS MEANS FORYOU:WHENYOU OPENAN ACCOUNLWEWITL ASKFORYOURNAME,ADDRDATEOFBIRTH NDOTHERNFORMATIONHATWILT TLOWUSTO DENTIFYYOU.WEAYAtso A5KTOSEEYOURRIVLICENSE ROTHERDENTIFYINGOCUMENTS.YO UACKNOWLEDGEECEIPT F A COPYOFTH ECREDIT ARDAGREEMENTNCLUDINGHE MPORTANTERMSOFYCREDITCARDACCOUNT.YOU ACKNOWLEDGE HE EXISTENCE FTHE ARBITRATIONAGREEMENTCONTAINED N THE CRCARD GREEMENTNDYOUSPECIFICALLYGREEO BEBOUNDBY T5TERMs.YO UACKNOWLEDGEECEIPTFA COPYOFTH EPRIVACY OLICY ORWELLS ARGO INANCIAL ATIONAL ANK.PI-EAsE EFEROYOURCREDIT ARDAGREEMENT,NCLUDINGHE MPORTANTERMS FYOURCREDIT ARDACCOFORADDITIONALNFORMATIONBOUTRATES,EES NDOTHER OSTS,lfthiscredit pplications orjointcredit,ouacknowledgehatyou ntendo apply orjointcredithatyoubothwilluse,YOUHAVEPROVIDEDOUR IGNATURENTH EMERCHANTCOPYOFTHE MPORTANTTERMSFYOURCREDIT ARDACCOUNT.@2012Wells argo inancial ationalBank. llrights eserved. r of 8 NOTICE: ee everse ide or impofant information. P|PSP]69

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Pagentent ional lyeftBlank

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CREDITCARDAGREEMENTCardholders

or heMerchantn 5panish,hinese,orean,ietnamese,rTagalog:he sectionitled INTERPRETERERT|FtCATIONefore ou useyourAccount.da 5e(.on 'tulaoa LFTIFICACIoNtLI\TtRPRLttanre(eusar u Cupnra.;BH;FruE i+#trEEJJ=r -Fi.4lrl= q+b]|711l"I sll -5-q^I"J=qr+::l]5-el .!l9glsd^lg. . - u . u a d c c H l C \ H ^ \ T H O \ L , D t c H \ \ m r o c k h r q u \I . u d q n gr u o r ecu aminh.ngseksyonapinamagatangERTIPIKOGTAGAPAGSALTNG-WtKAaq ogamit in ng nyong ccount-erm5 pply o yourentireA(count.

reditCardAgreement'Agreement")overshe useofyourCredit'Account")it hus. t ncludeshe mportantTermsfYourCredit ardccepttheerms fthisAgreementy opening r using ourAccount.ointAccount,ach fyou sbound y hjsAgreement,leaseread hisarefully ndsave tforfuture reference.greementisade etweenWellsargo inancialpringMountain oad,as egas, V89102"we':"us':nd bur,,)deach ccount older, hether rimary f joint "you"andyour").

S.UnJesstatedotherwise n thisAgreement, ou maycontactusatephone Lrmberr addresshown nvoufstatement.

ACCOUNT.ourAccountmaybe divided nto two or morebalances.alsobe referredo assubaccounts. ifferentermsmayapply oouma yuseyourAccountforurchasesnd ash dvances:Purchases.Lrrchasesil l be partof the regular alance nless Sales lip hows

thatspecialtermspply.f specialerms ppl, hepurchaseil lbe partofa specialterms alance.peclaltermsre escribedatern hi sAgreementse e pecialTermssection).CashAdvances. his eaturemay not be available.f we allow you to take cashadvances,heywillbe artofyourcashdvancealance.youaytakeaash dvancebypresentingourCardtapart icipat ingankorAutomatedTellerachine"ATM").ma ybe imits n heamount nd requencyf advances.u romisethatyouil luseyourAccountonlyforawful ersonal, familyorouseholdcidit ion,e eservehe ight o denytransactionsrauthorizat ionsro mpparentlyngagingn the Internet ambling usinessr identit / inghrough he Card ransactionecord r otherwise sengagedn suche renot esponsiblef anyone oes ot allow ou o !5 eyourAccount.AY, hen ouuseyourAccount,r etsomeoneelsese t,you romjsepay he total amountof thepurchase r cash dvance, swellasany nterest,feesother mountsha tyo uma yow eus .Wemay lmitor close ou rAccount,ut heAgreementil lapply nt i l oupa y heAccountn ull.

CREDITlMllWe mayassignhefollowingimit(s)toou rAccount:. Credit imit .Thiss h eamount fcreditwe i l extendo vourAccount.. Cash dvance redit imit .Thissa port ion fthe Credit imit hat savaica5n ovances.Your imit(s) reprovidedwith yourCard ndoneachofyour statements.oupto useyour ccount nlytothe imit(s). lfyouxceedou r imit(s),e mayauthe ransactionithout ncreasingour imit(s).f yo uexceed ou r imit(s)remanliableorallamountsayablenderthis greement.Wean djust ou ratanytime.CREDITACCESSEVICE. emayprovide ouwith CreditAccess evice(s)oyourAccount.Theelatednterest nd ee ermswill begiven o youwhenyouthe CreditAccess evice(sl.Fees nd nterestFEES.ou greeto aytheollowingee5.Youil l6nd hefeeamountsn he mpTerms fYour redit ard ccount.Theseees i l lbechargedo your egularunless tated therwise elow.. Late aymentee.Thisfeeay echargedac him ewedonot eceivethe iPayrnent ueby he Payment ueDate.. Returnedaymentee. his eema ybecharged hena paymentsdishonofirstt ime r s eturned npaid.. Cash dvance ee.Thiseemaybe chargedwhenyou akea cashadvance.wil lbechargedo your ash dvancealance.INTERESTATES.hedailyperiodicates nd correspondingpRs sed ointerest n balancesre hown n he mpo|tantTermsfYourCredit ardAccouAPR or a Billi ngCycle s r9uredby adding24.74 ercentage oints o the primforthatBil l ing ycle.Theaily eriodicate ora Bil l ing ycles igured ydividAPR y 365.Theseates arywith he marketbased n the primeRate.PRIME ATE.hePrimeRate e use s he U.S. r ime ate ublishedn he MRates ection f Ihe wdllStreetournal.We electhe PrimeRate ublished n thbusinessayof hemonth recedinghemonth fthequarterlyate hangernorethannePrime at espublished,ewilluse heaverageftheprimeRatePrime atesno onger ublishedr sno tavailabie,e may elect similaraAPRwillncreaseordecreasef he Prime atencreasesrdecreasesnd hiswcausehedaily eriodicat eo ncreaserdecrease.n ncreaserdecreasen hwill increase r decreasehe totalamountof interest ou pay. t mayalso ncrdecreaseheMinimum ayment ue.Theate hange ate oreach uarters hdayofthefirsti l l ing ycleeginningnorafterJanuary,April , tuly1, ndOctWHENWECHARGENTEREST.nless tatedotherwisebelow we begin chinterestonapurchase,cashadvanceorinterestchatgeonthedatethadvancer nterestchargeostso yourAccount.Weegin hargingntereston he irst ayofthe Bil l ing ycleollowinghe Bill ing yclenwhich he eepyourAccount. owever,fa ate aymentfeespostedo yourAccountn hecBil l ing ycle,ut s elatedo a atepayrnentn he priorBil l ing ycle, e wil lchargingnterestn he eeon he irst ayofthecufrent i l l jnq ycle.HOWTO VOID AYINGNTERESTNPURCHASES.nlessescribedif ferthe Specialnteresterms ect ion elowyo uca navoid nterestn anyport ipurchasealancehown nyour urrentstatementthatyouaybythepaymeDate f thebalancehown nyourprevioustatement as ero r waspaid nthe Payment ueDate,You annotavoid nterest n cash dvances,HO W WE CALCULATENTEREST-AVERAGEDAILY BALANCEMET(INCLUDINGEWPURCHASES).he otal nterest harges the sumof inchargesexcludingeferrednterestha ges)oreachypeofbalancenyourA(e.g.egular,ash dvance,ach pecialerms aance). e igure he nteresfo reach ypeof balance n yourAccount y applyinghe daily eriodicateaverageaily alance?DB").Then,e mult iplythis mount ythenumberoin l 'e Bi' l ing ycle.Interestharge daily eriodicate ADB numberofdaysn heBjl l ingADBsor each ypeof balance re alculatedeparatelttart ing ith he begbalancen he irst ayofeachBil l ing ycle.Theeginningalancen he irstth eBil l ing yclencludesthe ollowing:. Th epriorBil l ing ycle'snding alance,hich ncludesnyunpaid ees osyourAccountn hepriorBil l ing ycJe.. Any atepayment eesposted n the currentBillingCycle hat are related opaymentn he priorBil l ing ycle.TogettheADB oreachyp eofbalance, e ake he beginningalanceac h aad dany ewpurchasesnd ash dvances.xceptfortherstdayofeachil l inwe add ntefest qual o th epreviousay's alance ult iplied y he daily erate. Thismeansnterestscompoundedaily.)Then,e subtract nypaymcredits.Thisives s hedaily alance.nydaily alancehat sa credit alancetreated szero.Then,ead dup allthedaily alancesfortheil l ing ycle.Wthisarnount y he number f daysn he Bil l ing ycle.hj s ives s heADB.ADB=sum fdailybalancesnumberofdaysn he Bil l ing ycle.MINIMUMNTERESTHARGE,lfyoure hargednterestna Bil l ing ycle,hec

willbeno essha nS1.00.

Bi ingcycle The nterval etween tatements,ac h rdremenrshowsalosing ate.Thetatementclosingate sthelastdayofthe BillingCycleor that sratement.Card The redit af dwe may ssueo use ourAccount.CreditAaaess evice A device,ther ha n ou rCard, eallow ou o use oaccess rediton yourAccount.lmportdntTems ofYourCredit CordAacount A summary f your Account 's nnualPercentageRates'APRs"),eesand other mpor tant nformation.Merchant An ymerchantwhoas merchantagreementwithsto participaten his creditcardprogram.NewBolance Th eOutstandingalancesof a statementlosingdate.Outstonding Balance The umofallunpaid mounts,ncludingurchases,cashadvances,nterest,eesand anyother amounts

thatyo umayowe s.Theaddresswhereyouail ourpayment.ti s ocatedon yourPayment tub.DueDate Thedate heMinimum ayment ueisdueto s. lt sshownon yourstatement,

Theportionofyour statementhat s o be returnedwithyourpayment.An ydocumentthatescribeshe erms fapurchaseon heAccount,

I o f 8 NOTICE:ee everse ide or mportant nformation, PlPSP16

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PAYMENT UE.Youpromise o pay he I!4inimum aymentDue by theueDate.The inimum ayrnentue s h esu mof :An ypast ueamounts; lu sThepaymentor Regular aymentTermsseeRegular aymentTermselow);plu5The payment(s)or any balances ith Paymentn Full/'Equal ayments'or ustomPaymentsseeSpecial aymentTermselow)aymorethanthe inimum aymentue ut essthanheOutslandingalance,u are t i l l equiredo pay heMinimum ayment ue n henextBil l ing ycle

AYMENTTERMS.ll balancesi ll haveRegular aymentTermsnlesslipshowshat Paymentn Full/'Equal ayments'or ustomPaymentspplyWebalances ith Regular ayment erms the "CombinedBalance")o figuree paymentor these alances. ne wCombined alances igured n the 6rstlosing ateafter nybalance ith RegularaymentTermssestablished'eCombined alanceoes otchange nlessalancesi thRegular aymentTermsbove hecurrent ombinedBalance.

payment or balances ith Regular aymentTermsill be he greater f:S35.00or hesu mof balancesit hRegularaymentTermsf t s essha nS35-00);3.5qoftheCombined alance;rThesumof interest hargesor balances ith RegulalPayrnentTerms,eesassessedduring hecurrent i l l ing ycle,nd Eo ftheCombined alance.NSTRUCTIONS.ollowhese nstructions hen makinga payment:lvlake ourpayment n tJ.S. ollars, ut do not send ashU;e the envelopeenclosedwith your statement o mail both docLlmentso thePaymentAddress.aymentseceived y 5:00p.m ocaltimeatthe PaymentAddresswiil be credtedasof hedateof receipt. aym nts ecevedafter he 5:00p m cut offt imewillbecredited softhenextda yl f yo umake payment nline,i mustbe madevia urwebsite, hich sshown nyourstatement.Thecutoff t imeforonlinepaymentswil lbedisclosedatthetimeofth e ransacllon.

do not ollowthese nstructions,ourpaymentsnaynol receive fedit or up ofterwe receivet.AYMENTS,emayacceptatepayments, artial ayments r paymentspaid n full" (or other restrictiveanguage), ithout losingour rights ou lpayment.fyo u ntendo claimo pay ourAccountn ullwithanamountheOutstandingalance,ayments us t esentto s tWellsargo inancialank, O. ox14453, esMoines,lA0306.

FPAYMENTS.e applypaymentamounts qual o o r less han he-ayment ue tou rdiscret ion.Wepply nypayment mountsn excessteMinimum ayment ue sfollows:First,o balancesiih No nterest pt ion erms Llr inghe wo full Bil l ing ycleeimmediately receding xpirat ion f the specialermsperiod Otherwis-e,orpurposesfthis ect ion nly,hese alancesre onsideredo have nAPR f oEo;Then o balances ith higherAPRs eforeowerAPRs

ypaymentin xcessofheMinimum aymentDuesappliedased nthebalancesourlaststatement.WeostpaymentsinheBil l ingycletheyareeceived'nfo]mation

OU. n orderforus o service ourAccount rto collectanyamountsyou agree hat we may contactyou usingany contact nformationo your Account.We may useany means o contactyou.Thismay ncludedialingdevices, rerecorded/artificialoice messages, ail,e mail, extmessagesnd calls o your cellphone.Youare esponsibleor anyservice rovidersa result f uscontacting ou.You gree o promptlynotifyus fyou changean y ontact nformationouprovideo us. hisncludesou rname,mail ing ddress'e-mailaddressies),r phone umber(s). lfyouave jointaccount,noticeo oneofyouwill serve sa notice o both ofyou.PHONE ONITORING.ema ymonitor nd ecordou rphone alis ithus o assureth eoualitv f ourservice.LOSTORSTOLEN ARDS ND LIABILITY OR TNAUTHORIZEDSE. ouagree ocontactus mmediatelyf yourCard s ost or stolenor if you believe our A.count sbeingusedwithoutyourpermission.Youmaycontactusat ' l_800-459-845lorPO.Box10475, esMoines,lA0306-Yougreeo assist s n our nvestigat ionfthe matter.lfyoudo his, ouwillnot beheld iableor heunaothorizedse fyourAccount.DEFAULT,ourAccountwill be n default fany ofthe followingoccur:.You ailtopay he vlinimumayment uebythePayment ueDate. An ypaymentsdishonored.' Yo u iolatehe erms fthi5Agreement..Yo umadean ntlue tatementnyo u applicat ion. You ilefor bankruptcv.lf yourAccount s n default,our rights nclude,but are not limited o, refusingoauthorize urther ransactions,losingyour Account, nd requiring he immediatepayment fthe Outstandingalancef yourAccounts n default ,oualso greeopayour collection osts, ttorney'sees, ndcourt costs 4ola

GOVERNINGAW.This Agreements governedby federal aw and to the eapplicable,evadaaw nomatterwhereyouive r us e ou rAccount.CHANGEN TERMS.Wemay change his Agreementat any time.Thsechmayapplyto existingand uture balances.We ill giveyou advancwtittennof ihechinge(s) and a right to reje

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ERTIFICATION.HI SCERTIFICATIONPPLIESF YOUCHOSEO INCA:Amariedapplicantmayapplyforaseparateaccount.AftercreIT HUSORTHEMERCHANTHETERMS NDCONDITIONSF YOUR applicant i l lhave he right o use hisAccounto the extent f any imit etNSPANISH,HINE5E,OREAN,IETNAMESE,R AGALOG.ysigninghe an dma ybe iableof al lamounts xtended nder hisAccounto anyointappsing rotherwisecceptingtheCardr elated ccountissued NCO :Coloradoawrequiresstoofferyouheoption fsigning priorconseyou, ou ert ifyoWells argo inancialNationalBankus)that:(1)Youav eeceived Th e igned rior on ent er mtsusto eleaseecordsfyouraccountstotheddlscussedhi sAgreementit hyour nterpreternd hat ouan d ou r nterpreter departmentofsocialservicesorlocallawenforcementforthepurposiven nopportu ity o disc ss nd negotiatewithsortheMerchantthe known rsuspectedfinancialexploitat ion. lfyoure nterestedn receivingctheform, leaseo tact u cu tomer ervjceepartmentat 85 5412 j87 MSyearsold nd sf luentbothn Englishandn he anguagein hichyouchose through ridarS:00.m . 6:00 .m .CentralTime.it husor heMerchanthe erms ndcondit ionsf yourAccount,nd sy or madeavailablehroughhe Merchant;3) ou understandnd

lN NY:A consurnereportma ybe requestedn connection ith hisapplicao he erms nd ondit ionsontainedn hese nclosedocumentsswrit ten. anyupdate'renewalolextensionofanycreditgrantedaSaresultofthYo uwillbe nformed pon equestwhetheraepo(was equestednd henamEL NTERPRETE.ST AERIlFlcAcl0NS EAPLICACIoNl U5TED addressf heconsumefeport ing gencyhat urnishedhe eport.I5CUTIRONNOSOTROSELCOMERCIANTEOSTERMINOsCONDICIONESu uENrAN spANor.r rmara oric*udearjetae r6dito.tirizarde :Ul]; :i:,:,!,: ::i it:J,1ffi;Tff*H::il";:it.::.:l",iJff ffff:fmanera ceptara arjeta cuenta elacionadaue e hayamosmit ido, sted maintain eparateredit istoriesn each ndi vidual pon equest. heOhinteWellsargo inancialat ional anknosotros)que:(1)sted a ecibido Riqhts ommissiondministersomolianceith his aw.ste cuerdoonsu ntdrpreteyseehaotorgado usted a su nt6rpreteoportunidade discutir negociaronnosotros et comercianteos 6rminos lN wll Noprovisionfa maritalpropertyagreementincludingstatutoryndiontenidosnestos ocumentosdjuntos;2Jsunt6rpreteiene or o Property greement ursuanto sec 166587'wis stat) ' unilateral tateedad domina on luidezanto l diomangl6s omo l dioma n classiryingncomero mseparateropeny nder ec 76659 'or coundecreeusted ecide iscurir onnosotros ercomercianteos 6rminos condiciones lii;11'^iT*'::f"11T", th-e reditorunlesshe cred tor s urn ishedwith acuenta, no este mpleado ha sido acil i tadoor el comerciante;{3)sted olthedocumentpriortohecreditransactionrhasactualknowledqeofitV ieneen | os t e rm ino5ycond ic ionescon t en ;dosenes t o5documen t osp rov i5 ion5a t the t im e t heob | i qa t i on i5 in (u r red 'egun sunescritos, foran ndividualaccountrfolajointaccountwith person ho snottheirsmust iveus hename ndaddressf heir pouseegardlessfwhetherhes

, l[+1S#,q + '{{E ltlll4lJt:l;1;frHEfl1f; fi!fiFF d!It+;{f!1t+ mayuse he card.ptease rovide u5with your name,address,and your spoi l+1568{E,H+fr;E# . iFrElill^f itifi&tlilliHtJ name and addresswithin t 4 daysof A(count opening at the fottowing addrFarso inancial ational ank r +t1fl , ) 'f24+iAI&A!+4fHEgt!FrE, if;Ll! wisconsinspousatNorice(1) 3iE{Eqitqlt^rlrl$BlE#tr;1;fitr61ffffimHl$&1XiflJ14#trMAcN0oo3-04c. I#64lit+trAh\[+;irl-X,+(+. (2)if;Hl14;+tr5 soowarnutrreettltEErq)iiflj{Fmilni! I (1sE1+,8I^sr+!f148?i1;615fi8 DesMoines,A, o3oetr;4fg#8fi;Fd'7iEF , ,lilFf,(Hffi?":tF (3)A,EE4,iiiNori(eocardhotders; L I / l l 6 r E A 'F q E L 6 L ! i"J+. i6lel ?l+q+++ql rl]6l] lq E:7llJ4jrf 6J+qE Eel"J 1' Do not sign hisAgreementefore ou ead torif i l

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R:ght$ KeepThisDo@meniFo! FutureU3i . ll Iel ls ouabout ou r ights ndour responsibil i t iesnder he FairCreditct .fYou Find A MistakeOn YourStatement

think here san erroton yourstatement, rite o usatlargo inancialat ional ankBox 0475sMoines,A50306

your etter, iv eus he ollowingnformation:Accountnfarmationi ou nameandaccount umber.Dollat mount:Ihedollaramountofthe suspected rror.Descriptionfprcblemifyou think here san erroronyourbill,describe hatyoubelieveswrong ndwhyyoubelievet sa mistake.umustcontacts:Within 0days fterthe rror ppearednyour tatement.At east3 usinessdaysefore nautomatedaymentsscheduled,fyouwanttosloppayment n hedmount ou hink swrong.

notify us of any potentialerrors n wrltng.You may call us,but if you donot required o investigate nypotentialerrors ndyou mayhave o pay henquestion,AfterWe ReceiveYour ette]

we receive our etter,we mustdo two things:0 days f receivingou r etter, e must ellyouthatwe receivedou rletter.Wewill also ellyou f we havealready orrectedhe error'

thin 0days freceivingou r etter, e must ither orrectthe rrororexplainto yo uwh ywe believehebil l 5correcl.we nvestigate hetheror not therehasbeenan error:

Wecannotry o collecthe amountnquestion,r report ou asdelinquentnthatamount.Thechargen question ay emain nyourstatement,ndwe maycontlnueocharge ou nterest n hat amount,Whileyou o nothaveto aytheamountnquestion,youre esponsibleor heremainderfyourbalance.Wecan pplyanyLrnpaidmount gainstou r reditimit

our Inve5tigation, ne Of TwoThingswill Happenlf we madea mistake: ou will not have o pay the amount n questionor anyintetest rotherfees elated o that amount,If we do not believeherewas o mistoke:You will have o pay the amount nquestion, longwith applicablenterest ndfees.We will sendyou a statementofthe amountyou owe and he datepayment s due.Wemay hen reportyou aidelinquentfyoudo notpa y heamount e hink ouow e

urexplanationut st i l l el ieveou rbil l swrong, oumustwrite o usdelinquent ithout lso eport ingha tyo uar equestioningourbil l .We must ellthe nameof anyone o whom we reported ou as delinquent, ndwe must etorganizationsnowwhen he matterhasbeensettled etweenus,

we do not follow all ofthe rulesabove, ou do not have o pay he firstS50oftheuestion ven fyourbil l is orrect.fYou Are Dissatis6edwith Your Credit CardPurchases

you aredissatisfied ith the goodsor serviceshat you havepurchased ith yourard, ndyou have ried ngood aith o correctthe roblemwith he merchant,umayhavetheightnottopaythe emainingmountdue n he purchase.use his ight, l lofthe ollowing us tbe rue:

1. Thepurchase us thavebeenmade n yourhomestate r within100miles fyourcufientmail ing ddress,nd th e purchase ricemust havebeenmorethan S50. Note:Neitherof theseare necessaryf your purchasewas basedonan advert isemente mailedo yort, r f we own hecompanythatoldyou hegoodsor services.)musthaveused olrrcreditcard or the purchase. urchases adewith cashadvancesrom anATMorwith a checkthataccessesour CreditCardAccount onot ouali{v.

Yo umust otye thavefully ai d orthepurchase.lf all of the criteriaaboveare met and you are still dissatisfied ith the purchase,aontactus n wtiting ati

argo inancialat ional an kP.O. ox 0475De sMoines,A50306we investigate,he same ules pply o the disputed mountas discussed

above.Afterwe inishour nvestigation, e will tell you our decision. t that point, fwe hink ouow eanamount nd oudo no tpay, e may eport ouasdelinquent6of8

Arbitfttion AgJeemntBinding rbitrat ion.YoundWells argo inancia ationalEank(the"Bankthe Bank'sassignees, gents,employees, fficers,directors, hareholderscompanies,ubsidiaries,ffrliates,redecessorsnd successors,greehat f a D(a s efined elow)arisesetweenouan d heBank, pon emand yeither ouBank,he Dispute hal lbe resolved y he ollowingarbitration rocess. oweBankshallot nit iate narbitrat iono collectconsumerebt, ut eserveshearbitratellother isputes ith tsconsumerustomers."Dispute"isnyunrdisagreementetween ou and he Bank.t includesnydisagreementelanyway o yourCreditCardAccount ?ccount")or related ervi ces.t includebased n broken romisesrcontracts,orts, rotherwrongfulact ionstalsoistatutory,ommonaw nd quitablelaims.Disputels oncludesny isagrabout he meaning r applicat ionf thisArbitrat ion greement.hi sArbAgreement hall urvivehe payment r closure fyourAccount. ouundeJstaagree hat you and the Bankare waiving the right to a jury trial or trial a iudge in a public

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Rev.0

ACTS WHATDOESWELLSARGOINANCIALATIONALANKDOWITHYOUPERSONALNFORMATION?Financialompanieshoose ow heyshare ourpersonalnformation.ederalawgives onsumershe rto l imitsomebut notall sharing. ederalawalso equires s o tellyouhowwe collect, hare, nd proyourpersonalnformation. leaseea dhisnotice arefullyo understand hatwedo.The ypes f personalnformation ecollect ndshare epend n he product r serviceou havewithThis nformationan nclude:I Social ecurity umber ndemploymentnformationI account alancesnd ransactionistoryr credit istory nd ncomeAll inancialompaniesee d o share ustomers'ersonalnformationo run heireverydayusiness.nsection elow we ist he reasonsinancial ompaniesanshareheircustomers'ersonalnformationreasons ells argo inancial ational ank hooseso share; ndwhether oucan imit hissharinq.

Reasons e canshareyour personal nformation DoesWellsFargoFinancialNationalBankshare?Canyoulimit thsbarin

business urposes suchas o processour ransactions,aintain ourespondo courtorders nd egal nvestigatlons,r report o credit ureaus Yes Norour marketing urposes withservice roviders e use o offer urproducts ndservicesyou pleaseeebelow o limit heways n whichwe contact ou ) Yes No

marketingwith other inancial ompanies No We don'shareour affil iates' verydaybusiness urposes information boutyour ransactionsnd Yes Noorour affiliates' everydayusiness urposes informationbout ou rcreditworthiness Yes Yesrour affiliates o market o you Yes Yesnonaffiliates o market to you No* Wedontshare*

imit our sharing I Call1-888-528-8460our menuwillprompt ou hrough ou rchoicesPlease ote:lf youar ea newcustomer, e canbegin haring our nformation 0days rom he datewe sent hisnotWhen ouareno onqel"ur customet e cancontinueo share ou r nformationsdescribedn hisnotiHowever,oucancontact sat any ime o limitou rsharing.

imit direct r To imitou rdirectmarketingo youbymailor elephone,al l1-888-528-8460ou rmenuwillpromptythrough ou rchoicesPlease ote:A Do NotCall lectionseffectiveor iveyearsorwhileyouarean active onsumerustomer,f onger).DoNotMailelectionseffectiveor hree ears. oumay ontinueo receive arketingnformationn reguaccountmailings ndstatements,henyo uvisitusonline r at anATM. oumayalso econtactedo servyouraCcountr participaten surveys.Call1-800-TO-WELLS1 800-869-355)or go o wellsfargo.com/ privacy_security

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Wecollect ou rpersonalnformation,or example, hen ou :r openan account r provide mploymentnformationr apply ora loanor use ou rcredit r debitcardr giveusyour ncomenformationWealso ollect ou rpersonalnformationromothers, uch scredit ureaus,ffi l iates,r other ompanWhycan't imit allsharing? Federalawgives ou he right o limitonly:I shaing or affi iates' verydayusinessu poses informationbout ou credtworthinessr affi l iatesro musing our nformationo marketo youI sharingor nonaffiliat eso marketo yo uState aws nd ndividual ompanies aygiveyouadditionalightso limitsharing. eebelow or moryour ights nder tateaw.

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DefinitionsAffiliates Companieselated y common wnership r control. hey anbe inancialndnon-financialompanieI Ouraffi l iatesncludeinancial ompanies ith WellsFargon theirname uchasWells argo ank,N(includingtsdivisionsfWachovia ank ndWachovia ank f Delaware),ells argonsurance,nc.Wells aroo dvisors,LC .Nonaffiliates Companiesot related y common wnership r control.Theyanbe inancial ndnon-fnancialompar Wells arqo inancial ational ankdoes otsharewith onaffiiates o heycanmarkettoyou."Jointmarketing A formalagreement etween onaffiliat edinancial ompanieshat ogethermarket inancial roducservrceso you.r Wells argo inancial ational ank oesn'tointlymarket.

Other mportant nformationlmportant Noticeabout CreditReporting:We may report nformation bo utyour account(s)o creditbureaus nd/orconsreporting gencies.ate ayments, issed ayments,r otherdefaults n youraccount(s) aybe reflectedn yourcredit eportanconsumereport.Do Not CallPolicy, hisPrivacy olicy onstitutes ells argo inancial ational ank' s oNo tCallPolicy nderheTelephone onsProtectionct or atlconsumers.ells argomaintainsn nternal oNo tCall referenceist.Do No tCall equests il l be honored i30days ndwill be effectiveor at eastiveyearsro m he dateof request. o elem arketingallswillbe made o residenti alr cephone umbershatappear n heWells argo oNotcall ist.Nevada esidents:Wear eproviding ou hisnotice ursuanto state aw. oumaybeplaced n our nternal oNo tCall is tby ollothe directionsn the To imitdirectmarketing ection. ormore nformationontact sat I -800-869-3557;evadanoticeinfo@weg94 orWells argo, .O. ox 277, ioux alls, D571 7-5277. rcontacthe Bureau fConsumer rotection,ffice ftheNevada ttoGeneral,55E.Washingtont.,Suite 900, as egas, V89101; 02486-3 2;BCPINFO@ag.state.nv.us.Vetmont:Weautomaticallyreatcustomers ith a Vermontmailing ddressshaving imited haring ith ouraffi l iatessprovideDaqe ne."Pleaseee p n mind hat he mainpurpose f our privateabel redit ards ndothercredit ar dproductss o provide way orto financehe purchasef goodsand servicesrom nonaffiliat ed erchantshat accepthose redit ards. spermitted y applilaw,we mayshare ou rpersonalnformation ith hirdparties,ncludinghoseMerchants,o heycanuse he nformationo offeproducts ndserviceso you.Sincehe mainwayyo uuseou rproducts ndservicess o financehepurchasefgoods ndserviceMerchants,hose oods ndservices aybe mentionedn connection it h he offering f ourproducts ndserviceso you.

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