WellsFargoHealthAdvantage'Credit CardAccountApplication

1. 2. 3. 4. 5. 6. ure document lmportantTerms of You r CreditCa rd Accou nt ("lmporta nt Terms"). l\,4ercha nt generates and printsthe disclos Applicant{s) Information section Applicant(s) completes @. copy of the lmportantTerms. Applicant(s) completes and signs @ the Merchant processing Information@into electronic application system. ivlerchant enters Applicant(s) N4erchant obtainscreditresponse. copyof the lmportantTerm s aregivento the applicant(s) for their records. All 8 pages of this documentand the Applicant(s)

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with the lmportant Terms The Merchantis requiredto provideyou, the Applicant(s), do not completethis of YourCreditCardAccountat the time of application.Please applicationuntil your lmportantTermsofYour Creditard Accounthavebeen provided.

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lf youaremarried anda Wsconsin resident, we arerequired by lawto obtainthe nameandaddress ofyour spouse unless this isajoint application NOTE: Pleaseprovide qs with your name,address,and your spouse'sname and addresswithin l4 days of Accountopening at the with your spouse. following address:WisconsinSpousalNotice,MACNOOO3-04C,800 Walnut Street,DesMoines,1A,50309.

FIGHTTHE FUNDING ACTIVITIE'U.S.FEDERAT LAW TO HELPTHE GOVFRNMENT OFTERRORISM AND MONEY LAUNDERING FINANCIAL INSTITUTIONS TO OBTAIN, VERIFY AND RECORD INFORMATION THATIDENTIFIES EACH PERSON WHO REQUIRES WHATTHIS MEANS FORYOU:WHENYOU OPENAN ACCOUNLWEWITL ASK FORYOURNAME, ADDRESS, OPENSAN ACCOUNT, DRIVER'5 OFBIRTH ANDOTHER INFORMATION THATWILT ATLOW USTOIDENTIFYYOU.WE MAYAtso A5KTOSEEYOUR DATE LICENSE OROTHER IDENTIFYING DOCUMENTS. THEIMPORTANT TERMS OFYOUR YOUACKNOWLEDGE RECEIPT OF A COPY OFTHECREDIT CARDAGREEMENT INCLUDING YOUACKNOWLEDGE THE EXISTENCE AGREEMENT CONTAINED IN THE CREDIT CREDITCARDACCOUNT. OF THEARBITRATION AGREE AGREEMENT ANDYOUSPECIFICALLY TO BEBOUND BY IT5TERMs. CARD THE NATIONAL BANK. RECEIPT OFA COPY OF PRIVACY POLICY FOR WELLS FARGO FINANCIAL YOUACKNOWLEDGE REFER TOYOURCREDIT CARDAGREEMENT, INCLUDING THEIMPORTANT TERMS OF YOURCREDIT CARDACCOUNT, PI-EAsE ADDITIONAL INFORMATION ABOUTRATES, FEES AND OTHER COSTS, FOR youacknowledge isforjointcredit, thatyouintend to apply forjointcredit thatyoubothwilluse, lfthiscredit application YOUHAVE PROVIDED YOUR SIGNATURE ONTHEMERCHANT COPY OFTHEIMPORTANTTERMS OFYOUR CREDIT CARD ACCOUNT.
@2012Wells Fargo Financial National Bank. Allrights reserved. r of 8 NOTICE: Seereverseside for impofant information. P|PSP]690(0612)

Page Intentionally LeftBlank

CREDIT CARDAGREEMENT

Noti<eto CalifomiaCardholders CREDIT LlMllWe mayassign yourAccount: thefollowing limit(s)to ToourCaliforniacustornerswhohavediscussedcreditcardtermsandconditionswith . Credit Limit.This isthe amount ofcreditwe wil extend to vourAccount. usor the Merchant in 5panish, Chinese, Korean, Vietnamese, orTagalog: . Cash Advance Credit Limit.This is a portion ofthe Credit Limitthat is available for Read the section titled INTERPRETER CERT|FtCATION beforeyou useyourAccount. ca5n aovances. Leda 5e(.on r'tulaoa CLFTIFICACIoN DtLI\TtRPRLttanre( de usar ru Cupnra. you promise Yourlimit(s) areprovided with yourCardand on eachofyour statements. -t- -=llE'JfFrEt.Fi , ;BH;FruEri+#trEEJJ=r -Fi. to useyour Account yourlimit(s), onlytothe limit(s).lfyou exceed we mayauthorize :,-lel 4lrl= q+b]|71 1l"I sll -5-q^I the transaction your limit(s). withoutincreasing your limit(s), lf you exceed you will "J=qr+::l]5-el .!l9glsd^lg jn liable forallamounts payable lC\H^\THO\L,DtcH\ yourlimit(s) D . . - u . u a d c c H\ \ m r o c k h r q u\ \I . u d q n g underthis Agreement.We canadjust I r u o r e rema atanytime. \l:rc cuaminh. ang seksyon 3as:hin na pinamagatang DEVICE. We mayprovideyou with CreditAccess SERTIPIKO NGTAGAPAGSALTNG-WtKA Device(s) baqo CREDITACCESS to acce55 yourAccount.The .lnyo gamitin anginyong related interest Accountandfeetermswill be givento youwhen you receive the CreditAccess Device(sl. These term5applyto your entireA(count. Feesand lnterest AboutYo!rA<count FEES. paythe You agreeto following fee5.You will6nd thefeeamounts in thelmportant ('Agreement") AGREEMENT.This CreditCard Agreement covers the useofyour Credit Terms ofYour Credit Card Account.These fees willbe charged to yourregular balance ('Account") Card Account with us.lt includes the lmportantTerms ofYour Credit Card unless statedotherwise below. Account.You acceptthe terms ofthisAgreement yourAccount. by opening or using . Late Payment Fee.Thisfee maybecharged each timewedonotreceivethe Minimum please fyou have a jointAccount, eachofyou is boundby thjsAgreement, read this Payrnent Dueby the Payment DueDate. Agreement carefully and saveitforfuture reference. . Returned Payment Fee. This feemaybe charged whena payment isdishonored the PARTIESTOTHISAGREEMENT.This Agreementis made betweenWells Fargo Financial firsttime or is returned unpaid. National Bank,4455 ("we':"us': Spring Mountain Road, Las Vegas, NV89102 and,bur,,) . Cash Advance Fee.This fee may be charged when you takea cashadvance. Thisfee primary andeach account holder, whether "your"). ofjoint ("you"and will be charged to yourcash advance balance. CONTACTING US.UnJess statedotherwisein this Agreement, you may contactus at INTEREST RATES. The dailyperiodic rates and corresponding ApRs usedto figure the phone nLrmber or address shown on voufstatement. interest on balances areshownin the lmpo|tantTerms ofYourCredit Card Account.The DEFINITIONS. APR for a BillingCycle isfr9uredby adding24.74percentage pointsto the primeRate periodic Cycle.The daily rate fora Billing Cycle isfigured bydividing the Bi ingcycle The interval betweenstatements, Eachsrdremenr forthatBilling APR by 365.These rates vary with the market based on the primeRate. showsa closing date.The statementclosing dateisthe PRIME RATE. ThePrime Rate we useis the U.S. published Prime Rate in the Mone, lastdayofthe BillingCycle for that sratement. Rates section of Ihe wdllStreet )ournal.We select published the Prime Rate on the first Card Thecredit cafdwe mayissue to useyourAccount. business dayof the monthpreceding the monthofthe quarterly ratechange date. lf Credit Aaaess Device A device, other youto use thanyourCard, weallow rnorethan to onePrime Rate ispublished, wewilluse theaverage oftheprime Rates.lfthe access crediton your Account. Prime Rate published is no longer or is not availabie, we mayselect a similar rate.The increaseordecrease if the Prime Rate increases ordecreases andthiswillalso lmportdntTems ofYour A summary of your Account's AnnualPercentage APRwill periodic thedaily rate to increase or decrease. An increase ordecrease in theApR ('APRs"), Credit CordAacount Rates feesand otherimportantinformation. cause will increase or decrease the total amountof interest you pay.lt mayalsoincrease or Merchant Anymerchantwho has a merchantagreementwith us decrease the Minimum Payment quarter Due.The ratechange dateforeach isthefirst to participate in this creditcardprogram. dayofthefirst Billing Cycle beginning onorafterJanuary 1,Aprilt,tuly1,andOctober l NewBolance The Outstanding Balance as of a statement closing WHENWE CHARGE INTEREST. Unless statedotherwisebelow we begin charging date. interestonapurchase,cashadvanceorinterestchatgeonthedatethepurchas or interestcharge posts to yourAccount.We Outstonding Balance begin Thesumofallunpaid purchases, advance charging interest amounts, including on a fee on thefirstdayofthe Billing following Cycle the Billing Cycle in whichrhefeeposts cashadvances, interest, feesand any other amounts to yourAccount. However, if a latepaymentfee is posted to yourAccount in the current thatyoumayowe us. Billing Cycle, but is related to a latepayrnent in the priorBilling Cycle, we will begin PaymentAddress Theaddresswhereyou yourpayment. mail ltislocated charging interest on thefeeon the firstdayofthe cufrent Billjnq Cycle. on your Payment Stub. HOWTO AVOID PAYING INTEREST ON PURCHASES. Unless described differently in Payment DueDate Thedatethe Minimum Payment Dueisdueto us.ltis the Special lnterest Terms section below you canavoidinterest on anyportion of d shownon your statement, purchase balance shown paybythepayment on yourcurrentstatementthatyou Due PaymentStub Dateifthe balance The portion ofyour statement shown on yourprevious that is to be returned statement waszeroor waspaidin fullby the Payment DueDate,You withyourpayment. cannotavoidinterest on cashadvances, I NTEREST-AVERAGE DAILY BALANCEMETHOD SalesSlip Anydocumentthat describes theterms ofa purchase HOW WE CALCULATE (INCLUDING NEWPURCHASES). The total interest charge is the sum of inrerest on the Account, (excluding charges deferred interest rges) cha foreach typeofbalance on yourAccount regular, OVERVIEW OF ACCOUNT. cash advance, YourAccountmay be dividedinto two or morebalances. (e.g. each special lermsba ance). Wefigure the interest charge for eachtype of balance Thes-" balances mayalsobe referred on yourAccount to assubaccounts. by applying the dailyperiodic Different termsmayapplyto rateto the (?DB").Then, average dailybalance different balanceswe multiplythis amount bythe numberofdaV! Cycle. USING YOUR ACCOUNT. You purchases mayuseyourAccountfor andcash advances: in rl'e Bi'ling = dailyperiodic Interest charge ratexADBxnumberofdays . Purchases. in the Bjlling Cycle. PLrrchases will be partof the regular balance unless a Sales Slipshows for each thatspecialterms typeof balance apply. lf special terms arecalculated separatelt appl, the purchase starting withthe beginning will be partofa special ADBs on thefirstdayofeach terms balance. Speclalterms (see Billing aredescribed later in thisAgreement Cycle.The beginning balance on thefirst SpecialTermsbalance dayof jncludes the Billing Cycle section). the following: . CashAdvances. Cycle's This feature may not be available. ending balance, whichincludes lf we allow you to take cash . ThepriorBilling anyunpaid feesposted to partofyourcash in the priorBilling advances, theywillbe CycJe. advance balance.you maytakea cash advance yourAccount yourCard bypresenting ata participating bankorAutomatedTeller ("ATM"). . Any late paymentfeespostedin the currentBillingCycle Machine that are relatedto a late There maybe limits on the amount andfrequency of advances. payment in the priorBilling Cycle. promisethatyou You willuseyourAccountonlyfor personal,familyor lawful household TogettheADB foreach typeofbalance, wetakethe beginning balance each dayand purposes.In acidition, we reserve the rightto denytransactions or authorizations from addanynewpurchases andcash advances. Exceptforthe 6rstdayofeach Billing Cycje. merchants apparently engaging in the Internet gamblingbusiness or identit/ing we add intefest equalto the previous day's balance multiplied by the dailyperiodic themselves throughthe Cardtransaction record or otherwise as engaged (This in such rate. means interest is compounded daily.)Then, we subtract anypayments o" business, Wearenot responsible youto !5e yourAccount. if anyone doesnot allow credits.This gives usthedaily balance. Anydaily balance thatisa credit balance willbe PROMISETO youuseyourAccount, aszero.Then, PAY, When we add up allthedailybalancesforthe or letsomeoneelse useit,youpromjse treated Billing Cycle.Wedivide to paythe total amountof the purchase bythe number gives or cashadvance, of days in the Billing Cycle. Thjs aswell asany jnterest, usthe ADB. fees thisarnount or otheramounts that you mayowe us. We mayllmitor close yourAccount, but the ADB=sum ofdailybalances i numberofdays in the Billing Cycle. terms of thisAgreement willapplyuntilyoupaythe Account in full. MINIMUM INTEREST CHARGE,lfyou arecharged interest in a Billing Cycle, thecharge will be no less thanS1.00.
I of8

NOTICE: Seereverse sidefor importantinformation,

PlPSP1690(06,l2)

LAW.This Agreementis governedby federallaw and to the extent GOVERNING Payrnents liveor useyourAccount. law no matterwhereyou Nevada applicable, Payment Due by the DUE.You promiseto pay the I!4inimum MINIMUMPAYMENT may changethis Agreementat any time. Thsechanges lN TERMS.We CHANGE Payrnent Dueisthe sumof: Minimum DueDate.The Payment will give you advancwtittennotice future balances.We and existing mayapplyto . Anypast dueamounts; Plus if required by law. We may of ihechinge(s) and a right to reje<t the <hange(s) (see below);plu5 PaymentTerms . The payment PaymentTerms Regular for Regular require you to closeyour Accountor take other a<tionsifyou rejectthe (hanges' Custom Payments'or in Full/'Equal . The payment(s) with Payment for any balances anyof our rights enforcing or delay We maywaive THIS AGREEMENT. ENFORCING (seeSpecial below) PaymentTerms Payments one of you a rightagainst them.We may waiveor delayenforcinq withoutlosing Balance, without theOutslanding Duebutlessthan Payment Minimum it asro theother. lfyoupaymorethanthe wdiving Cycle Duein the nextBilling Payment y;u arestillrequired to paythe Minimum lf any provisionof this Agreementis PROV|SlONS. OF UNLAWFUL SEPARATION unless a determined PaymentTerms will haveRegular wlll standand the unlawful All balances PAYMENTTERMS. the restof the Agreement REGULAR to be unla\t'ful, apply We provislon Payments Custom Payments'or in Full/'Equal to law that Payment to conform Slipshows amended Sales will bedeerned to figure Balance") pyourpersondl Terms(the "Combined Payment with Regular pERsoNAL combinebalances nay sl^dr TNFORMATTON-CONSENT.Wp DtscLosuREoF is figuredon the 6rst Balance A new Combined ("sponsors")for thesebalances. the payment A sponsors and program their af6liates with Merchants, information isestablished' PaymentTerms with Regular closing dateafteranybalance statem;nt of retail or an association of goods distributor manufactureL is a franchisor, sponsor PaymentTerms withRegular balances unless doesnotchange Balance TheCombined with us to makethis creditcard program havean arrangement sellers. Sponsors abovethe currentcombinedBalance. increase to Theymayusethisinformation withthe sponsor. associated available to Merchants will be the greaterof: and PaymentTerms with Regular the mainwayyouuseour products for balances to you. Since andservices The payment our products offer thosegoods from [4erchants, ofgoodsand services if it is less thanS35-00); services i; to 6nan.ethe purchase (orthe sumof balances PaymentTerms . S35.00 with Regular and of our produ'ts withthe offering in connection maybe mentioned andservices share Wemayalso ofinformation and u5e sharing consentto this toyou,You services . 3.5qo or Balance; oftheCombined aspermittedby law. third parties with nonafhliated feesassessed Accountinformation PayrnentTerms, . Thesumof interest with Regulal for balances charges promisethat anyinforrnation REPoRTING.You AND CREDIT INFORMATION CREDIT Balance. ofthe Combined and l Eo Billing Cycle, the current during Youunderstand with your Accollntis true and complete. you giveto usin connection payment: making a when Followtheseinstructions INSTRUCTIONS. PAYMENT to open your Accountand extendcreditto you.You ihat we relyon this information . lvlake but do not sendcash your paymentin tJ.S. dollars, and and incomerecords assets, your credit,employment, us to investigate aLrthorize us to obtaincreclitreportson you Youalsoauthorize .lfyoumakeapaymentbymail,pleaseincludethePaymentStubwithyourpayment. to verlfvvour creditreferences. yourAccount to consumer to the fromtimeto time.We rnavreportinfolmation regarding to mail both docLlments with your statement U;e the envelopeenclosed by 5:00p.m localtimeatthe PaymentAddress reportrng received agencres. Payments PaymentAddress. ivedafterihe 5:00p m cut off ASSIGNMENT. Paym entsrece other itedasof the dateof receipt. creditor'The wiil be cred yourAccount to another Wehave therighttoassign asofthe nextday timewillbecredited to them.Youdo not havethe right to creditoris then entitledto any rightswe assign whichisshown on assign ourwebsite, . lf you make ii mustbe madevia yourAccount. online, a payment yourstatement.Thecutofftimeforonlinepaymentswillbedisclosedatthetimeof interest underthe moneysecurity Yougrantus a purchase INTEREST. SECURITY Wewill purchased on yourAccount the transacllon. code in the merchandise commercial Uniform is paidfor in full cfeditfor up to your payments rnaynol receive interest untilsuchmerchandise security money retain the purchase lfyou do not followtheseinstructions, our Security necessary to perfect dnyoo(umenrs us in execJti'1g it. Youagree to asqisr five daysafterwe receive payments partial payments interest. payments, or late may accept We PAYMENTS, IRREGULAR without losingour rightsto language), SpeciallermJ that reflect"paid in full" (or other restrictive in fullwithanamount Thseterms apply to Special to payyourAccount to claim lf youintend full payment. receive Term5. Fargo Financial usatWells payments mustbesentto Balance, theOutstanding lessthan lfa Sales Slip purchases yoLl at specialterms. to make Wemayallow SPECIALTERMS. 50306. Des Moines,lA Box14453, Bank, PO. National terrns bythespecial willbegoverned thepurchase apply,then special terms showsthai than the- andtheterms We applypaymentamountsequalto or less thepurchase. OF PAYMENTS. bymaking APPLICATION specialterms acceptthe ofthisAgreement.You in excess ot A Sales amounts apply anypayment purchases Dueat ourdiscretion.We period, Payment ifany. separate lvlinimum ofthespeciaLternrs willstate the length Slip Dueasfollows: lf Payment termsbalance. in the samespecial the Minimum termsmaybe included with the samespecial balance.lf Cyclee spe.ialterms thepaymentforthat the two full Billing thismayincr'Aase . First, OptiontermsdLlring arecombined, wiih No Interest balances to balances jnfullbeforethe period, for a balance orNoInterestOption terms period Otherwis-e, endoftheNolnterest preceding of the special expiration isnotpaid immediately balance an APR of oEo; the balance to yourregular to have wiil betransferred areconsidered interest) balances only, these purposes ofthissection {andanvdeferred ofthefollowing oneor more mavindicatethat . Thento balances Slip beforelowerAPRs A Sales with higherAPRs SPECIAL INTERESTTERMS, will usethe same balances, we No Interest Except for applies. interest terms balances special based onthe isapplied PaymentDue theMinimum excessof Anypaymentin postpaymentsin received' methodtocalculateinterestasdescribedaboveinHowWeCaculatelnteresttheBilling cycletheyare refiectedon vourlaststatement.We (lncluding NewPurchases) Method Daily Balance Other lnfo]mation balance untilthe . charge on the purchase ls no interest means there No Interest.This your Accountorto collectanyamounts YOU.In orderfor usto service CONTACTING it by paying on the balance period.You avoidinterest may ofthe specialterms end you any contact information using you may owe, you agreethat we may contact period terms special the end ofthe in full before We may use any meansto contactyou.This may include ;elatedto your Account. balance. This on the purchase interest we calculate Thismeans Option. mail,e mail,text . No Interest voice messages, prerecorded/artificial automateddialing devices, charge will not interest The deferred interest charge provider is called the deferred amount service phone. for any You are responsible your cell and callsto messages in fullby the endofthe youdo not paythe balance unless to the balan.e be added you.You agree to promptlynotify usifyou change asa resultof uscontacting charges it in fullbefore by paying on thebalance period.You interest mayavoid yourname, mailing address' specialterms you provide This includes to us. anyiontactinformation period. the endofthe specialterms to oneof a notice have ajointaccount, number(s).lfyou or phone e-mailaddressies), interest willbeusedtofigure . Special Slip onthesales APR shown you will serveasa noticeto both ofyou. Rate.This mean5the balance, yourphone calis withusto assure on the ourchase andrecord Wemaymonitor MONITORING. PHONE ofthefollowing thatoneor more mayindicate A Sales Sllp SPECIAL PAYMENTTERMS. of our service. the oualitv payment terms applies. agree to special ITNAUTHORIZED USE. You LIABILITY FOR AND CARDS LOST OR STOLEN if your Cardis lost or stolenor if you believeyour A.count is . Pay'nenl inTull/'tqudlPayments:Tl';qme"nrtqepdy'rent'srheanounrrequir contactus immediately the special in fullduring on yourstatement purchase shown paythe initial balance beingusedwithoutyourpermission.Youmaycontactusat'l_800-459-845lorPO.Box ofthe matter. could be lessthan other the final pay.nent to assist usin our investigation agree Because of rounding, 50306-You Des Moines,lA ieims period. 10475, useofyourAccount. youwillnot be heldliable forthe unaothorized oavments, lfyou do this, or a fraction or . Custom is a setdollararnount the payment Thismeans Payments. YourAccountwill be in defaultifany ofthe followingoccur: DEFAULT, date'The closing of this type on any statement percent balance of the highest DueDate .Youfailtopaythe lvlinimum DuebythePayment Payment date,the balance closing on a fuiurestatement payment unless, will not change . Anypayment isdishonored. balance. the highest increases above ' You ofthi5Agreement. violate the terms . Youmadean on your application untluestatement . Youfilefor bankruptcv. lf your Accountis in default,our rights include,but are not limited to, refusingto closingyour Account,and requiringthe immediate authorizefurther transactions, you alsoagree to is in default, payment lf yourAccount Balance ofthe Outstanding fees, and court costs payour collection attorney's costs, 4ola

lnterDreter <ertifi cation

INTERPRETER CERTIFICATION. THISCERTIFICATION APPLIES lF YOUCHOSE TO INCA:Amariedapplicantmayapplyforaseparateaccount.Aftercreditapprov will havethe rightto usethisAccount D]SCUSS WITHUS OR THEMERCHANT THETERMS AND CONDITIONS to the extent of anylimitsetby us, OF YOUR applicant ACCOUNT lN SPANISH, CHINE5E, fof allamounts KOREAN, VIETNAMESE, OR TAGALOG. extended under thisAccount Bysigning the andmaybe liable to anyjointapplicant. credit card application, using orotherwise acceptingtheCard or related Accountissued lN CO: Colorado lawrequires ustoofferyou theoption ofsigning a priorconsentform. youcertify (us)that:(1)You toWells Fargo to you, FinancialNationalBank have received Thesigned priorcon sentperm records itsusto release ofyouraccountstothe county anddlscussed thisAgreement withyourinterpreter andthatyouandyourinterpreter departmentofsocialservicesorlocallawenforcementforthepurposeofinvest have beengiven an opportu nityto disc uss and negotiatewith usortheMerchantthe knownorsuspectedfinancialexploitation.lfyou areinterested in receiving a copyof termsandconditionscontainedintheseencloseddocuments;(2)Yourlnterpreterisat j 855 4122j87 Monday please theform, contact our customer servjce departmentat least lSyearsold andisfluentboth in Englishand in the languagein whichyouchose through p.m. FridarS:00 a.m. 6:00 CentralTime. with usor the Merchant to discuss the terms and conditions of yourAccount, and is lN NY:A consurner report may be requested in connection with thisapplication or (3)you understand not ernployed by or madeavailable through the Merchant; and anyupdate'renewalolextensionofanycreditgrantedaSaresultofthisapplicat agree to theterms andconditions contained in these enclosed documents aswritten. Youwillbe informed uponrequestwhethera repo(wasrequested andthe name and cERTlFlcAclON DEL INTERPRETE. ESTA CERIlFlcAcl0N ES DEAPLICACIoN sl U5TED address of rheconsumef reporting agency thatfurnished rhe report. ELIGE DI5CUTIR CON NOSOTROS O ELCOMERCIANTE LOSTERMINOs Y CONDICIONES que le hayamos otra manera aceptar la tarjeta o cuenta relacionada emitido, usted maintain separate credithistories on eachindividual upon request. The OhioCivil (nosotros)que:(1) certifica anteWells Fargo Financial National Bank usted ha recibido Riqhts Commission administers comoliance withthistaw. ydiscutido este acuerdo consuintdrpreteyse le haotorgado ya suint6rprete a usted (including lN wll Noprovision ofa maritalpropertyagreement a statutory Individual ta oportunidad y negociar de discutir con nosotros y o et comerciante lost6rminos pursuant Property Agreement 166587'wis stat)' unilateral to sec statement (2Jsu condiciones contenidos en estos documentos adjuntos; int6rprete tienepor lo propeny classirying income from separate undersec 76659'or coun decree under menos l s anos deedady domina confluidez tantoel idioma ingl6s comoel idioma en th-ecreditorunless the creditor is furnished with a copv et cuatusteddecide discurir con nosotros o ercomerciante y condiciones lii;11'^iT*'::f"11T", tost6rminos olthedocumentpriorto thecredit transaction orhasactualknowledqeofitsadverse y no esteempleado de su cuenta, por el comerciante;{3) o ha sidofacilitado usted comprendeyconVieneen|ostermino5ycondicionesconten;dosenesto5documentosprovi5ion5atthetimetheob|iqationi5in(urred'|af|edWj foran individualaccount orfolajointaccountwith a person who is nottheirspouse adjuntos, segun esun escritos, mustgiveusthe name andaddress of theirspouse regardless ofwhether the spouse fg;?triE;A= , l[+1S#,q + '{{E ltlll4lJt:l;1;frHEfl1f; fi!fiFF d!It+;{f!1t+ may usethe card.pteaseprovide u5 with your name,address,and your spouse,s i l+1568{E,H+fr;E# fF,4iE;?#,fl. . iFrElill^f itifi&tlilliHtJ name and addresswithin t 4 daysof A(count opening at the fottowing address: (welLsFarso Financial National Bank, r +t1fl , ) 'f24+iAI&A!+4fHEgt!FrE, if;Ll! wisconsinspousatNorice

DE su cuENrA EN EspANor. Ar nrmar ra soric*ud de tarjeta de cr6dito. utirizar ode :Ul]; :i:,:,!,:l::i it:J,1ffi;Tff*H::il";:it.::.:l",iJff ffff:flj

1' Do not signthisAgreement you readitorif il <ontainr before anyblank spa(e. 2. Youareentitled to a completely filledin <opy of thisAgreement. 3. Youmayat payyourtotal anytime indebiedness. 4. The Mer<hant has no rightto enter yyourpremises untawfu or commit any breachof goods pur<hared thepeaceto repossess underrhis Agreement. s. you may.an<et a transa<tion if it ha5not beensigned at the mainoffice providedyou notify the Mer<hanr or bran(hofficeof the Merchant. not Iaterthan midnightof the rhird business day (fifrhbusiness day in Ataska; (3) +l;'I= q 5+5J ri +'= ql ,l rl9 q +++9 q El6lq r Lll+ql Sel6JLlEl. ffteenth business dayin NorthDakota if youare65or older)afrerrhedayof (or,in Utah,afterthe dayofthe transa(ionot re(eiptofthe the transaction CHIINCNHANTHONG DICH VIEN.SUCHUNG NHANNAy Ap DUNG NEU product, whi<hever is later).lf apPlicable, seethe Noti<e of cancellation for VOICHUNG TOIHAYNGLIOI BANHANC eUY VI DA eUyETDINHBANTHAO anexplanation ofbuyer! rights. vE cAc EIEUKIENvA DIEUKHoANcOATRLToNG MUc BANCrIENGvtET.
K , hk i ytin'aodor{inrhelrndrrdhoic\ud nBLaychaplhuJnltreho;cTrlr.rr!\4uc lidnquatl dugccdpchoquivi, quivichirngnhan vdi WellsFargo Financial National Bank (chitng t6i) ring: (l) Qui vi danh4ndlr{/ c vi bnntheobdnThoaThuan niy voith6ngdich vienciraqui vi, va qui vi vdngudinnydi c6 cn h6i bdnthaovn ihuongluqg vdi chring rorhd! NguoiBanHang \ e cacdriu kho,;n vadreu kren lrcngnhmg\;n ( iendrnlken nay.(2) Thdngdichviencuaqui vi da ir nh6t18ruaji vd rhdngthaocaAnh ngirvd ng6n r6i\ay Ng!'oiBanH:rng npuni q'ri \ i . hondelh"o lu..rn \or chung ,F cacdieukloan vd di6ukiQn crlaTnrongMuc cin qui vi. Th6ngdichvi6ncirngkh6ng pheild nhanvin cuaNguoiBa.lHang hoac do Ngu.i Brn Hang cung cdpchoqur r r r lr Qulivi nieura d6ngi voi cdcdiCukhoAn vd diCu kiCnchuatrongnhnngvin kiCn dini kim n?iy. SERTIPIKO NGTAGAPAGSALING.WIKA. ANGKATIBAYANG ITO AYMALALAPAT KAPAG NAGPASIYAKAYONG MAKIPAG USAP SAAMIN O 5A MANGANGALAKAL UKOL SAMGA TAKDAATKONDISYON NGINYONGACCOUNTSATAGALOG. Sapagpirma ngaplikasyon parasacreditcard,paggamito kayat sa pagtanggap ng Cardo kaugnay na Account na ibinigay sa inyo,pinapatunayan ninyosa WellsFargo Financial National Bank (kami) na:(1)Natanggap at napag-usapan ninyong inyong tagapagsaling,wika ang Kasunduangitoatkayonginyongtagapagsalingwikaaynabigyanngpagkakataonna makipag usap at makipagkasundo saamino saMangangalakaltungkol samgatakda na nilalaman at kondisyon ng mga nakalakip na dokumentong ito; (2)Ang inyong tagapagsaling-wika ay hindikukulangin sa 18taonggulang at matatas sa Ingles at wikang Tagalog na pinilininyoupangmakipag usapsa amin o sa l\,4angangalakal tungkolsa rngatakdaat kondisyon ng inyongAccount, at hindi siyatauhanng Mangangalakalo nakuha sapamamagitan ng Mangangalakal;(3) Naiintindihan ninyo at sumasang ayonkayo samgatakda at kondisyon na nilalaman ng mganakalakip na dokumentong:to. NOTICE: Seereverseside for important information. PlPSP1690(0612)

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I ll YourBuhg R:ght$ KeepThis Do@meniFo! FutureU3i . Credit underthe Fair andour responsibilities Thisnotice tellsyou aboutyour rights Act. Billing WhatTo Do lfYou Find A MistakeOn YourStatement write to usatl lfyou think thereis an erroton your statement,

Arbitfttion AgJeemnt NationalEank(the"Bank"),incl!di Fargo Financia Arbitration.You andWells Binding parent officers,directors,shareholders, agents,employees, the Bank'sassignees, that if a Dispute predecessors and successors, agree subsidiaries, affrliates, companies, youorthe (as youandtheBank, byeither upondemand between defined below)arises process. However, the by the followingarbitration the Dispute shallbe resolved Bank, National Bank Fargo Financial Wells butreserves therightto a consumer debt, to collect Bankshall notinitiate anarbitration P.O. Boxi0475 A"Dispute"is anyunresolved customers. allother disputes with itsconsumer arbitrate lA 50306 Des Moines, any disagreement relating in you and the Bank. lt includes disagreement between giveusthe following information: Inyourletter, lt includes claims services. anywayto your CreditCardAccount(?ccount")or related . Account infarmationi You I nameand accountnumber. promises ltalsoincludes torts, orotherwrongfulactions orcontracts, based on broken anydisagreements A Dispute also includes ' Dollatamount:Ihe dollaramountofthe suspected claims. error. common lawandequitable statutory, ThisArbitration Agreement. of this Arbitration or application . Description what you aboutthe meaning lfyou think thereis an erroron your bill,describe ofprcblemi YouundeJstand and ofyour Account. or closure Agreement shallsurvive lhe payment it isa mistake. believe iswrongandwhyyoubelieve the right to a jury trial or trial before you are waiving and the Bank agree that us: Youmustcontact you Agreement, to this Arbjtration a iudge in a public <ourt. As the soleexception . Within on yourstatement. error appeared 60days afterthe thatiswithin claims courtanyDispute in srnall retaln the rightto pursue andthe Bank . At least3 payment ifyouwantto thatcouft's isscheduled, before anautomated businessdays youor the Bank fails to submit to binding arbitration lf eithef iurisdiction. youthinkiswrong. on the dmount sloppayment andexpenses incurred by bears all costs the partysofailing following lawful demand, You must notify us of any potentialerrorsin wrltng. You may call us,but if you do theother in compelling arbitration. any potentialerrorsand you may haveto paythe to investigate we are not required Eitheryou or the Bankmay submita Dispute Arbitmtion Pro(edure;Severability. in question, amount thata lawsuit or otherproceeding at anytimenotwithstanding to binding arbitration WhatWill HappenAfterWe ReceiveYourLette] you northe Bankshallbe entitled toioin Neither hasbeenpreviously commenced. your letter,we mustdo two things: Whenwe receive or (on5olidatedisputesby or against others in any arbitration, or to include in or memberof a (lass,or to a<t in your any arbitration any dispute as a representative your letter, we musttell youthatwe received 1. Within30 daysof receiving of the arbitration, including the selection the error' corrected a private attomey generalaapa(ity.Each letter.Wewill alsotellyou if we havealready (AAA), Arbitration Association or the American be administered by arbitrato(s) shall your correctthe errororexplain letter, we must either ofreceiving 2. Within 90 days agree to (theAAAor such maymutually other administratof asyouandthe Bank such the billi5correcl. to youwhywe believe asthe'Arbitration to hereinafter to be referred agreeable administrator othermutually whetheror not therehasbeenan error: Whilewe investigate Rules andthe Supplemental Arbitration to the Commercial Administrator"), ac.ording question, you ' We cannot asdelinquent on or report the amountin try to collect (?AA Rules") To the extentthat there is Disputes Procedures for consumerRelated that amount. Agreement, thisArbitration andthisArbitration anyvariance between the AAARules ' Thecharge andwe maycontlnue to on yourstatement, in question mayremain of the statebar wherethe shallcontrol.Afbitrato(s)must be members Agreement you interest on that amount, charge to the subject lawsapplicable in the substantive arbitrationis held, with expertise for the matterof the Dispute. . Whileyou areresponsible in question,you do not havetopaytheamount proceeding may or other partyto an arbitration No arbitrator of yourbalance. remainder for disclosures of information thereol except contentor results disclose the existence, yourcredit law or . WecanapplyanyLrnpaid limit of its business or by applicable against course amount in the ordinary by a partyrequired (1)The Parties (the "Parties") in this relatlonship; agree that the Bank regulation.You and Happen one Of Two Thingswill After We Finishour Inve5tigation, Arbitration interstate commerce; and (2)This involving in transactions . lf we madea mistake: You will not have to pay the amount in questionor any areparticipating governed provisions ofthe Federal are by the resulting arbitration Agreement and any to that amount, intetestorotherfeesrelated of (Title9 ofthe UnitedStates and,to the extenlany provision Code), Act Arbitration pay . If we do not believe the amount in You will have to therewas o mistoke: laws state ofNevada.lfanyof orinvalid,the ofthe unenforceable thatAct is inapplicable, question, interestand fees.We will sendyou a statement alongwith applicable class arbitration, dealing withclass action, Agreement ofthisArbitration the provisions ofthe amountyou owe and the date paymentis due.We maythen reportyou ai is action,joinder, or contolidation private generalaction, representative other attorney we thinkyouowe ifyoudo not paythe amount delinquent provision shall not be severable and that invalid foundto be illegal or unenforceable, yourbilliswrong, you mustwriteto us but stillbelieve lfyou receive ourexplanation e. shallbe unenforceab Agreement thisentireArbitration withinT0daystellingusthatyoustillrefusetopay.lfyoudoso,wecannotreportyou from does not prohibit the Parties Agreement Rights Preserved. This Arbitration your you questioning bill. We must tell that are withoutalsoreporting asdelinquent remedies to preserve, foreclose or rightsor usingotheravailabie any la\,"ful and we must let exerclsing you the nameof anyoneto whom we reportedyou as delinquent, personal property; remedies, including possession exercise self heLp of real or obtain between us, matter has been settled knowwhen the organizations those suchas or ancillary remedies rights; or obtainprovisional setoffand repossession you do not haveto pay lhe first S50ofthe lf we do not follow all ofthe rulesabove, of a receiver by a court garnishment or the appointment injunctive reliel attachment, question evenifyourbilliscorrect. amountyou applies applicable to anyDispute to of limitations Anystatute ofcompetentjurisdiction. with Your Credit CardPurchases Your RightslfYou Are Dissatis6ed provisions ofthisArbitration Agreement shall the Parties.The anvarbitration between with your survive that you havepurchased with the goodsor services lf you are dissatisfied or anyotherrelationship ofthe AccoLlnt or expiration termination, amendment creditcard,andyou havetried in goodfaithto correcttheproblemwith the merchant, between youandthe Bank. on the purchase. amountdue you mayhavethe rightnottopaytheremaining by the rules feesshallbe determined Feesand Expenses of Arbitration. Arbitration mustbetrue: To usethisright, allofthe following limitedby applicable law.Please unless Administrator, or procedures ofthe Arbitration musthavebeenmadein your homestateor within 100milesof checkwith the ArbitrationAdministrator 1. The purchase to any to determinethe fees applicable pricemust have been more arbitration your cufientmailingaddress, and the purchase you may file.lf the applicable law of the statein whichyoLlopenedyour if your purchase was basedon Account than S50.(Note:Neitherof theseare necessary no allocation of bepaidbyyou,then offees andexpensesto limitsthe amount soldyou the fees or if we own the companythat we mailed to yort, an advertisement withapplicable unless inconsistent thi5limitation. loyoushallexceed andexpenses goodsor services.) fees, of our own aitoane, expertand witness law,eachof us shallbearthe expense Purchases madewith cash reqardless 2. You musthaveusedyolrrcreditcardfor the purchase. in thearbitration ofwhichof usprevails your CreditCardAccountdo from an ATMorwith a checkthataccesses advances not ouali{v. paidforthepurchase. 3. Youmustnot yethavefully with the purchase, lf all of the criteriaaboveare met and you are still dissatisfied aontact us in wtiting ati Bank Fargo Financial National Wells P.O. BoxI0475 lA 50306 DesMoines, amountas discussed the samerulesapplyto the disputed Whilewe investigate, At that point,if we will tell you our decision. Afterwe finishour investigation, above. youasdelinquent we mayreport andyoudo not pay, we thinkyouowean amount 6 of8

R e vI.0 / 2 0 1 l

FACTS

WHAT DOESWELLS FARGO FINANCIAL NATIONAL BANKDOWITHYOUR PERSONAL INFORMATION?

Financial companies choose howtheyshare yourpersonal information. Federal lawgives consumers the rrgnr to limitsomebut not all sharing. Federal lawalsorequires usto tell you how we collect, share, and protect yourpersonal information. Please read thisnotice carefully to understand whatwe do. personal Thetypesof information we collect andshare depend on the product you havewith us. or service Thisinformation caninclude: I Social 5ecurity number andemployment information I account balances andtransaction history r credithistory andincome All financial companies needto share personal customers' information to runtheireveryday business. ln the section below we listthe reasons financial companies canshare personal theircustomers' information; the reasons Wells Fargo Financial you canlimitthissharinq. National Bank chooses to share; andwhether

whv?
What?

How?

Reasons we canshareyour personalinformation

- suchasto process For our everydaybusiness purposes your transactions, your maintain account(s), respond to courtorders and legal investigatlons, or reportto creditbureaus - withservice Forour marketingpurposes providers we use to offerour products andservices to you (please seebelowto limitthe waysin whichwe contact you) Forjoint marketingwith other financial companies - information For our affiliates' purposes everydaybusiness aboutyour transactions and exDeflences - information Forour affiliates'everyday purposes business aboutyourcreditworthiness For our affiliatesto market to you For nonaffiliatesto market to you

DoesWellsFargo Canyou Financial National limit this Bankshare? sbaring?

Yes Yes
No

No No We don't share
No

Yes Yes Yes

No*

Yes Yes Wedont share*

- our menuwill promptyouthrough yourchoices To limit our sharing I Call1-888-528-8460 Please note: lf you area newcustomer, we canbeginsharing yourinformation 30 days fromthe datewe sentthis nottce. Whenyouareno /onqel" our customet we cancontinue yourinformation to share asdescribed in thisnotice. However, you cancontact usat anytimeto limitour sharing. - our menuwill promptyou r Tolimitour direct marketing to you by mailor telephone, call1-888-528-8460 throughyourchoices Please note: A Do NotCallelection (orwhileyou arean active is effective forfiveyears consumer customer, if longer). The Do NotMailelection iseffective forthreeyears. Youmaycontinue to receive marketing information in regular account mailings andstatements, whenyouvisitusonlineor at an ATM. Youmayalsobe contacted to service youraCcount or participate in surveys. -800-869-355 (1 Call1-800-TO-WELLS 7)or go to wellsfargo.com/privacy_security

To limit direct marketing

Questions?

NOTICE: see reversesidefor important information.

pJpSpt 690(06j 2)

What we do
that measures access and use,we use security information from unauthorized To protectyour personal How doesWells Fargo For frles and buildings. and secured include computer safeguards law.These measures NationalBank complywith federal Financial visitwellsfargo.com/privacy_security protectmy personal moreinformation information? yourpersonal whenyou: information, for example, Wecollect How doesWellsFargo information or provide employment NationalBank r openan account Financial or debitcard r applyfor a loanor useyourcredit collectmy personal information r giveusyourincome information? or othercompanies. yourpersonal affiliates, information fromothers, suchascreditbureaus, Wealsocollect Why can'tI limit all sharing? youthe rightto limitonly: lawgives Federal itworthiness purposes information aboutyour cred business ringfor affi liates' everyday I sha yourinformation to market to you r affiliates from using to market to you I sharing for nonaffiliates Seebelowfor moreon to limitsharing. rights companies maygiveyou additional State lawsand individual yourrights understatelaw. a privacy holdermayexpress you tell us otherwise. Any account will applyindividually unless Yourchoices holders. on behalfofthe otheriointaccount oreference

when What happens I limit sharingfor an accountI holdjointly else? with someone

Definitions
Affiliates companies andnon-financial Theycanbe financial or control. Companies related by commonownership Fargo Bank, N.A., with WellsFargo in their namesuchasWells financial companies I Our affiliates include Fargo Insurance, Inc., and (including Wells Bank of Delaware), ofWachovia Bank andWachovia itsdivisions Advisors, LLC. Wells Faroo companies. andnon-fnancial canbe financial by common ownership or control.They not related Companies sotheycanmarkettoyou." notsharewith nonaffi liates Financial National Bankdoes r Wells Farqo products financial or that togethermarket financial companies between nonaffiliated A formalagreement to you. servrces jointlymarket. National Bank doesn't Fargo Financial r Wells

Nonaffiliates Joint marketing

Other important :nformation

and/or consumer to creditbureaus about your account(s) lmportant Notice about Credit Reporting:We may reportinformation in yourcreditreportand/or payments, on youraccount(s) maybe reflected or otherdefaults Latepayments, missed agencies. reporting report. consumer theTelephone Consumer under Financial National Bank's Do NotCallPolicy Wells Fargo ThisPrivacy Policy constitutes Do Not CallPolicy, within preference will be honored Do NotCall list.Do NotCallrequests Fargo maintains an internal Wells Actfor atlconsumers. Protection or cellular be made to residential calls will years from date of request. No telemarketing for at least five the will be effective 30 daysand phonenumbers Fargo Do Notcall list. that appear on theWells Do NotCallListbyfollowing pursuant on our internal youthisnotice to statelaw. Youmaybe placed Weareproviding residents: Nevada nevadanoticeinfo@wellsfaroo contact usat I -800-869-3557; Formoreinformation marketing section. in the Tolimitdirect the directions Attorney Office ofthe Nevada Protection, the Bureau ofConsumer g94 orWells Falls, SD571 17-5277. Orcontact P.O. Box5277, Sioux Fargo, Vegas, NV89101; 702486-3 132;BCPINFO@ag.state.nv.us. 3900, Las Washington 5t.,Suite General, 555E. as provided on with our affiliates ashavinglimitedsharing with a Vermont mailing address treatcustomers Vetmont:Weautomatically one. Daqe !sto provide a wayfor you labelcreditcards and othercreditcardproducts of our private keepin mindthat the mainpurpose "Please permitted As by applicable cards. that accept thosecredit from nonaffiliated Merchants of goodsand services to finance the purchase the information to offerour parties, they can use including those Merchants, so your personal with third information law,we mayshare from of goods andservices the purchase andservices isto finance products to you.Since the mainwayyou useour products andservices andservices to you. of our products in connection with the offering maybe mentioned andservices Merchants, thosegoods
reserved. National Bank. Allrights o 201 Fargo Financial 1Wells r920 t0/t1 WFFN8(0612)

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