EFTA01279525.pdf

WELLS FARGO CASH BACK VISA SIGNATURE@ CARD
WELLS
FARGO
VISA Account Number Ending in
Statement Billing Period 09/22/2018 to 10122/2018
Signature
Page 1 o14
Balance Summary
Previous Balance $0,00 24-Hour Customer Service: 1.866-229-6633
TTY for Hearing/Speech Impaired: 1.800-419-2265
— Payments $0.00
Outside the US Call Collect: 1.925-825.7600
— Other Credits $0.00
Wells Fargo Online®: wellslargo.corn
* Cash Advances $0.00
* Purchases. Balance Transfers & 529 95
Other Charges Send General Inquiries To:
+ Fees Charged $0.00 PO Box 10347, Des Moines IA, 50306-0347
+ Interest Charged $0.00
= New Balance $29.95
Revoking Line Of Credit $7,500 Available Revolving Line Of Credit $7.470
Payment Information
New Balance $29.95 Send Payments To:
PO Box 77053, Minneapolis MN, 55480-7753
Minimum Payment $15.00
Payment Due Date 11/162018
Late Payment Warning: U we do not receive your Minimum Payment by 11/16/2018, you may have to pay a late fee up to $37.
Minimum Payment Warning: If you make only the mnimum payment each period. you will pay more in interest and it will take you longer to pay off your
balance. For example:
If you make no additional charges using You will pay off the New Balance shown on And you will end up paying an
this card and each month you pay ... this statement in about ... estimated total of...
Only the minimum payment 3 month(s) $31
If you would like information about credit counselina services. refer to www.usdol.aov/ustieo/bancoa/ccdeice approved Min or call
1477-286-2108.
Important Information
PLEASE SEE IMPORTANT CHANGES TO YOUR ACCOUNT TERMS ON A SUBSEQUENT PAGE OF YOUR BILLING STATEMENT.
Your Go Far(R) Rewards Program Terms and Conditions are now easier to read and understand. Make sure you review the enclosed new version of your
Go Far Rewards Program Terms and Conditions and refer to these Terms for future reference.
U you have any questions about these terms. please call 1.877.517.1358. 7 days a week. 800 a.m. to midnight, Eastern Time (excluding ma or holidays).
We accept relay service cabs.
Go Far Rewards Summary
Rewards balance as of: 09/30/2018 51869
The rewards balance is for Rewards ID 60010821283.
This balance may be inclusive of other contributing rewards accounts. For up-to-date rewards balance information, or more ways to
earn and redeem your rewards, visit GoFarRewards.wf.com or call 1.877-517-1358.
Transactions
Trans Post Reference Number Description Credits Charges
Purchases, Balance Transfers & Other Charges
09.27 09/27 2406200M12BRBMK9V com 'Bngham Fie1888-5969279 AZ 2U 95
TOTAL PURCHASES. BALANCE TRANSFERS & OTHER CHARGES FOR THIS PERIOD $29.95
Fees Charged
TOTAL FEES CHARGED FOR THIS PERIOD S0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Continued t
8896 YKG 7 14 181022 0 PAGE 1 of 4 10 3,31 8000 V5018 01088896
Detach and mail with check payable to Wells Fargo. For faster processing, include your account number on your check.
Account Number
New Balance 829.95
Mnimum Payment $15.00
Payment Due Date 11/162018
00002995000029950000150041471801940269658 Amount
Enclosed
WELLS FARGO CARD SERVICES YKG
PO BOX 77053 95
MINNEAPOLIS MN 55480-7753
Check here and see reverse for address COMDENTIAL SDNY_GM_00028464
EFTA_00 II 39084
EFTA01279525

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT
Billing bufas Surnmary. II you Sigue your bar is twong ( 1 o 'I.a A you need mar infoonaOs abate a narnzcoon on you' b il.wn:e:ou+ ano teparate sheet of paper as :zonas postetle al: PD.
Boa 522. Des Mg:m.0A 50305-0522.We most heer han you 110 late )han Oldeys after we sent tau the first bel on which the Erra appeared Yaz may notify ut usen othe mear» ("bol ng callen us
at the number load on thefront of the statement). bus doing so wl not preserve your rights.
In your letter (a "lbitten Noticel, afonde ase f:iribeteo infamaban:
• Tour neme and account number.
• Me date and dolar amount of the luso« ted Error.
• Deseption d stee E nor and *by you bailete Otee n an Erra If you need more information pitasedeserte Me itemyw are not ;atisbad
You do not bree to Wy any allegad Erra amount white we are 'me:boato°. but you are stal obligated to Wy the eetsof voy, bll that are not part of che allegad Error ~ni. "le we envetogate, we
caneo, tepe l you es delinquent or take anyaction to colkct the alleged Emir °motea you lave authortzed m to pay your credit card bill automaticen,/ han your savngs a checkingaccount. you
can stop the payment on any amount you beben isan Error. To stop the payment. yape Vimbre. Nota must reach ut 'bree (3)businost days bada* the automatie payrnent is scheduled to «Cte.
Sparol Rafe fa Creda CaedP archases: If you basca problern *th thequalrty of goodsa services you puichased with a credit card. and you have 'red ri goud farth tocorrect stee probkm enth the
mechan,. you may not have to pay the temaining amount doe on the goods or s rvKtl.You have oha e:4~ ton cok when the penthese poet wat more iban S50 and the porches< wat made in tour
home cate a within 100 males of your res34ing eddess and you have na pad the balance of the doputed charge. B we asna operate the merchante d we mallad you the adra Inement fort the
ptoperlyor seances, all mechases are cometed restan:len of amount or locationof puichase.
(t'ida Information. NOTICE.W. may finish iniamation aboul your account to consumo 'epa tino agencies. You have the right b dispute the accurey of inforrnateon that we have reponed by
wming to usar P.O.Box 14517, Des Manes, IA S0306-3517 and descraong Use :eco& infamation chut it inaccutate ce in dispute and the basisfa any dispute with suppoiling doosnentation. the
case of information that you bailete relates to an dentity (helt, you val need to aovade us votar en rdentity theft repott
Payments. tonforrning Payments' are payments meted using the enclocad payment coupon to dio payment addniss specified on the statement or.geneally.made va the"TransNrs' tab 'Make
Peyment' kik on the credit card Account Active), tab of Wells Repto Online Bankeg erhttpd/wwwwells/atgo.com-. Contarnos; Payments retened VIO mail by 500 p.m. wil be aedited at d the
date of recoge. Confamirg Payomms retened af ter 500pm vea be cracited a: of the net day.Cut-off irnos fa Conformang %retes moda via our Web saz val be di:elosad at the time of Oto
vengaba, •hion•Conforming Primen/Care payments made by any other mear» and may not recen* creditfa up to Ave dan afterthe date of recept bon-Conforming payments "lude. bot not
lirnted payments by cerufied mart. FedExa UPS.a envekoes addiessed
MakcAbout Electronk Check ConeneetWhenyou acorde a chak as payment.you autlgrizeus cebe' so use informaban han yero check to make a ore-tene eleolyonic fund hender frornyourecountot to
orees, Ose payriwm as a check tramada,. When we use informe!~ lean your check to nee anelearonic fund tiende, finds me/ be withdiawn frian youreczunt as som as ate tenº day we receive roa
payment. and yodwil not receive your checkback hantour fiemos, intotimon.
A3ymcnno hall'« lesa TMnAccounr Balance Request B you estad lo pay your account in full with an amount less iban the total owed en your account. yaz must send your reo uest bu: at: PO. Boa
10311, bs Manes. IA 503060311.Such payments wel not dite harpa, your fui] debt.
How We Cakulate Varar Balance. We use a method callecraverage daily balance bncluding new pUIChateij..FOr more information togardeng this calculaba,. pitase rele r to your Credit Card Account
Agreement or call 0-41 10114r ee Costaste Ser vice number 'cerned on thehatt ofthis statement
How to Ayer' Paying Inleest onPurthenes. Yola Pasneut Due Date is at kast 25 days af ter the done of each bruAno perod We w 11 not chato, you intent ron mochases if youpay yola entre balance
by thedue date each month.1W wvl beginchargang interest on casi, advances and balance transfers on the e/ensebendate.
Secured Atacarme. Por Secured accounts. your credit card account is Intuid by a pledge of your Secured Card Colateral Account with Wells rasgo Bank, NA.. ostablithed in conectan wth your
appkation lor che card You agite that ibis pledge ex ludes and gives the right to Bank to redepo, codea( and withdraw any partt a Me full amount ol the Secured Carel Collateral Account troon ainy
default onder yes S«uted credit <rel ageement, or in the evem your Secured credit card agreement is terminated by Bank for any reatas lhis pkdge is roven asa security interest any and all
~ni; you ont encluding interesa lees and tost: Mire h may aun» under your Secured credit card account You agree that if yout Sécate' credo card account ssclo,ed fa any remo. the bank may
*N'y lunch in the Secured Cara Conciten,' Account to Ny off any balance on thecredit card «cantil Mereare gil lunch temaining in the Colateral Mcount alter dona these lunch mg:timan
on Ondosa fa upa to 60 days befa* (»mg remitid to you
Customer Servir. Monnaing Glos may be recorded or rren:nned
INFORMACIÓN IMPORTANTE SOBRE SU CUENTA
Resumen de De«h os de facturación. Si cree que hay ag.ur error os ledo Or cut Pita L.9 In o, o 's nn(t,ne od +" fcin-a<40f, S.Cbte una transacción ove aparece en su estado de cuenta. MI
faya escribanos en una hola separada tan aceitocorno le sea pouble. a la siguiente dirección: RO. fía 522 Des Manes. I A 50306-0522. Debe comunica. se con nosotros dentro de un l'asode bodas
de la fecha en que le hayamos enviado el primer estado de cuenta en que apago!, el Erra. Puede comunicarse ton nosotros por catos medios (lo que inc luye llamarnos al número que aparece en el
frente del evado de cuesta) peto de hacerlo noarteVaga sus der«h os.
En tu carta (unellotificaciai por Escrito'), por lava nalgota siguiente información
• Su nana' y número de cuenta.
• la fecha y el monto en dotares del Erra del que sospecha.
• Una desapegan del Erra y la razón por la cual usted cree que es un Erra. Si necesita más informando, por favor descnba el item del que no esta seguro.
No tiene que pagar al momo del supuesto Error mientras lo investiguemos pero seguirá obligadoa pagar las pacemos de saldo de su cuanta que !PD foernon parte de monto del supuesto Enea.
Mientras investiguemos, no podremos reportarlo en Nadad de deudor moroso. n. tomar mecidas para colear el monto del supuesto Error. Si nos ha °Leonado e pagar 1Ucuenta de tarjeta de crédito
de manera automática desde su cuenta decheques odeahorro:, puede suspende el pago por cualquier monto que crea que enes blof. Pea suspender el pego. su abur-caceen por Escrito debe
llegarnos tres (31 chas hablen antes del dia en que esté programad() el pago aulOnlatiCO
Regia Espeoalp oro Compras con Tolera de Creditar Si usted tiene algún problema con la calidad de los Loen.. o se vKi01 que KIQUif lb ton una tarjeta de crédito, y ha intentado de buena fe resolver el
problema cal el comerciante qua no tenga que paga el monto restante adeudado poda bienes ose vicios. Usted cuenta con esta protección solamente si el pre< jade Canae superó a los SSO y la
compra fu...abada enelestadoen que tendeos una distancia no supera a 100 miles de su cliteceion postal, y seerpre que no haya pagado el takki del cargo en disputa. Si tomos los propietarias u
°pegadores de dicho comercio. o si le enviamos por careo un enuncio publicas, o de los benes o servicios, todas tes <erais están cubetas sin importar el monto o lugar de la ergra.
Información de Crédito. AWSOt Podremos dar información sobe su cuenta a las agencias de igormes sobre consurredores. Usted tiene el derecho a cuestionar ki exactitud de la infamación reportada
por nosotros aletarga ala ugueent• dirección, PO. Boa 14517, Des Manes, I A 50506-3117. En tu cara, deberá describir la infamación «pacifica que tea inexacta o on chsputa. y fundamenta( cualquw
disputa con documentación de respaldo Si considere que se trata de información relacionada con el robo de identidad, deberá enviamos una denunca de robo de identidadcorrespondiente.
Pagos. los Pagos en Conformdad'son pagos enviados por cateo usando el cupón de popo adjunto.> la dirección de pago que se espeo6ca en el estado de cuenta o ben pagos generalmente
realzados atreves de la Echa 'ronices' (Tranderencias) o el enlace Itske a Paymen(' (Paella* un pago) en la fxha 54ecount Actiyity(ActiWdad de la cuenta) de la tarjeta de crédito de la Banca
por Interne, Wells Pego Online en~ brego on (en ingles). los Papos en Conformidad recibidos pa correo no mis tarde de las 503p m. se aeredtatán en la fecha en que se reciban los Pagos
en Conformidad e« dados después de las SOO pm. se acreditarán al da siguiente. las horas de cate para los Pagos en Conformidad realizadosa través de nuestro sito Web se cornunkaren en el
momentode la transacción. lOttnos en lit( umplirnientici son pagos realizados por cualquier otro medro, yes posible que no se acrediten hasta cinco des después de a fecha en que te reciban lot
Pago, en incumplimiento incluyen. entre otros. pagos pa correo ceitiRcedo. FedExo (AS, o sobres con dirección plegable
Aviso Sobe Corwengin de Cheques Eketroll<01: N PrOPOrOCnar un cheonacanoferms de papo. usted nos da su autorización para utázar la información de suchequea/inN realzar una sola transferencia
electrdrica de su canta °procesar el pago cavo una tontaccien de cheque Cuerdo nosotros usamos la nfarracien de tu cheque para realizar una trandereneu elecOónica de fiados los muna podrán ser
retirados de su cuenta tan rapdo corno el mornocka en que /cebamos su pago y su institución financiera nO le regresará tu cheque.
Popo TOWPO, Vol MOMO Ato, of Soldo de. /o Cuento. Si usted prensa lechada, la totalidad del saldo de su canta por in monto ideo al montototal adeudado en su cuenta. deberá enviamos $u solicitada La
>puente dirección: ROBOK 10311, Des Mories.IA 50306-0311.Chchon pagos no cancelaran la maldad de su deuda.
Cómo Calculamos Su Saldo. Uranio: un método denorninado'saldo diario promedio (incluyendo nuevas comprasY. Para más información acerca de este elculo por farsa lame a ntre5110 mermo
gatuno de Servicio al Cliente editadoal frente de este estado de cuenta.
Cómo tuna, Pagar Internes obre Compras. La fecha de Vencimiento del Pago es al menos 25 din después delCene de cadapenadode facturación. No cargareirot 4tegiete$ sobe las compras ti usted
paga la totalidad de su saldo a más tardar en la fecha de vencimientode cada met COrneftWein01 acapa, intereses sobre adelantos en Nearca y transferencias de saldo a la fecha de tu/maco:o.
Cuentas Garantizadas. Para Cuentas Garantizedaf, su cuenta de paleta de crédito está garantizada poi la entrega en prenda de su Cuenta Colatetal de la Tarjeta Garantizada de N'eh FargoBank,N.A..,
establecida en relación con su solicrtud de la tarjeta. Usted conviene en que estaentrega en prenda incluye y da el Banco el derecho a reata e cobrar y releer asalarie parte o la totalidad del monto
depositadoen la Cuenta Colateral de la Tarjeta Garantizada en caso decuelgue' acto de incumplenento bajo su convenio de la tarjeta de «edito garantizada. o en caso de que dicho convenio sea
terminado por el Banco, pa cualquier mama Esta prenda te entrega como paremia do cada uno y todos los monto:que usted adeude, incluidos bes internes. cuotas y costos que puedan acumulanw
bajo su Cuenta de respeta de Crédito Garantizada. Usted <Sta de acuerdo en que si suCuenta de Tarjeta de Crédito Garantizada se cierra por cualquer raZérl, el banco podrá eolicar los fondos
mantenido', en la Cuenta Colateral de la Tarjeta Garantizada para 'eluda« cualquier saldo en la cuenta de tarjeta de crédito. S después de hacerlo aun quedan fondos en la Cuenta Colateral. dichos
fondos podrán permanecer en depósito durante hasta 60 das ames de (R sean remitidos a usted.
/Aonitoteo del Servicio al (lente. las llamadas pueden ser grabadas o n`OnitOftedat
010P5596' 10 I 1/01t2017
z 7017 Weegs Faro° Pmo., NA ughts reserved Todos los derechos festiva/da, MA-4763301
Change of Adckess Fosen - K your addtess has changed, inmute your complete new address below. Restte to check box on reverse sido of coupon and endose in the envelope
provided Picase use this section only fa address changes B you have any questions. pecase call the toldfi ce mistan« service narnber on thefront of lbs statement.
Bemolado de Cambio de Dirección - Si su di reccion ha cambiado. proporcione su nueva dereccidn completa abajo. Asegúrese de indicar el cuadro al dorso del cupón y adjúntelo en el
sobre anexo. Por favor use esta secasen solamente para cambios de direccion. Si nene preguntas por favor llame al númerodeServicio al Cliente al frente de este estado de cuenta.
ACCOUNT ACCOUNT
FIRST LAST
NAME NAME
NEW
STREET
ADDRESS
PO BOX/
APTO
CITY.
STATENZIP
HOME WORK
PHONE PHONE
CONFIDENTIAL SDNY_Ght00028465
EFTA_00139085
EFTA01279526

WELLS FARGO CASH BACK VISA SIGNATURE® CARD WELLS
FARGO
VISA Account Number Ending in
Signature Statement Billing Period 09/22/2018 to 10/22/2019
Page 2 of 4
Transactions (Continued...)
Trans Post Reference Number Description Credits Charges
Interest Charged
INTEREST CHARGE ON PURCHASES 0.00
INTEREST CHARGE ON CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $0.00
ABC
2018 Totals Year-to-Date
$17.80
TOTAL FEES CHARGED IN 2018
$0.00
TOTAL INTEREST CHARGED IN 2018
Interest Charge Calculation
Vow Annual Percentage Rate (APR) is the annual interest rate on your account.
Days in
Annual Percentage Balance Subject to
Type of Balance Billing Interest Charge
Rate (APR) Interest Rate
Cycle
PURCHASES 15.99% variable $0.00 31 $0.00
CASH ADVANCES 25.99% variable $0.00 31 $0.00
F I DE3NTIAL6 SDNY_GM_0002faatinuGd
5596 YKG 1 7 14 181022 '
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CONFIDENTIAL --"8'
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For Account Ending In
Page 3 of 4
WELLS
FARGO
Important Changes to Your Account Terms
The information below summarizes changes that are being made to your account terms. These changes will take
effect January 25, 2019, and apply to statement cycles closing on or after that date.
• Payment Changes:The following change is being made to your minimum payment calculation in
Section 1201P ayments of your Consumer Credit Card Customer Agreement and Disclosure Statement
Minimum Payment. Your Minimum Payment Due includes any amount past due plus the greater of:
1. The sum ofl ate, returned check, returned payment, rush plastic and annual fees and interest
billed during the Billing Cycle for which the Minimum Payment is calculatedp lus 1% of the
New Balance shown on the billing statement or
2. $25.00 (or the entire balance on the Account if the New Balance is less than $25.00).
We require you to pay any amount over the limit ofy our credit card account. However, that amount is not
included in your Minimum Payment Due.
The Minimum Payment is rounded-up to the next highest whole dollar amount. Credits will not be used to
meet the Minimum Payment.
The remaining paragraphs of Section (20) remain unchanged.
If you have automatic payment established on your credit card, depending on the automatic payment
selection you have chosen, your automatic payment amount may be impacted due to the above change.
• Other changes being made to your Consumer Credit Card Customer Agreement and Disclosure Statement
are as follows:
• Modify Section (9)Authorizations replacing the first paragraph with the following:
We don't guarantee approval of transactions. We reserve the right to deny transactions for
any reason, such as account default, suspected fraudulent or unlawful activity, Internet
gambling, or any indication ofi ncreased risk related to the transaction. Ify ou engage In
abuse, misuse or gaming in connection with earning or using points or attempt to do so, we
may close or restrict your Wells Fargo credit card(s). Abuse, misuse or gaming includes, but
is not limited to, making multiple purchases and multiple payments during a billing cycle
whereby the dollar amount for each purchase in the aggregate substantially exceeds your
credit limit. We also may limit the number of authorizations we allow during a period of time.
The remaining paragraphs of Section (9) remain unchanged.
• Modify Section f/1)Fets adding the following 'Rush Plastic Fee' bullet:
• Rush Plastic Fee. This fee may be chargedi fy ou requested expedited delivery for your credit card.
The remaining paragraphs of Section (11) remain unchanged.
The rest of your Consumer Credit Card Customer Agreement and Disclosure Statement remain unchanged.
The following notice is meant for customers who speak Spanish, Chinese, Vietnamese, Korean or Tagalog.
IMPORTANTE. Si listed no lee Males, pida a au intisprete quo revise y le describe el contatido de au carte. siemens al 1400-642-
4720 pus discutir su dude o recibir una respuesta a sus presumes.
?ROSA? kiiittl9TROU: IRKtnfitilll/ritWi914,.M4(41frb'r:ftath fl 1-800-642.4120 a•t, "
.5Cittnatkleial •
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nay cho gut irj. 'Culp:4 chinks ten tei a6 dib thosi 1.800-642-4720 di ban vb tai lieu My boat snit dip bit ca the mAc do.
•ka Alalh `Sol* i1A1 *sl-Altl. 891' I-04411A 01 Aliasi ?1€e}31 All as sus sH Al .9_. rrap 91:,.
4714 fat^d Atetol Al'A P?! 1-800-642-4720 M. !1181 at- Al ±.
Si/AI-JAI AGA: Kung hindi kayo nakakabasa ng frisks, iparepaso at ipalanwan sa inyong tagasalinovika ang mga nilalaman ng
liham na ito as inyo. Tawagan kami sa 1400-642.4720 upang mapag-usapan ito at masagot ang ano mang mga katanungan.
0 2018 Wells Fargo Bank, NA All rights reserved. Member FDIC. IHA-5522904-2
Page loll 3.C-5596 Sig8114
SONY_GM_0002068nued ly
5596 YKG 1 14 181022 C ID 0ogY 5596
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