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Home My WebLink About08-26-15 (3) Wells Fargo Financial National Bank Account Number—8000 Visit us at wellsfargo.com/cardholders Billing Cycle 11/03/2014 to 12/02/2014 Customer Service:1-800-059-8451 Monday-Friday,8 a.m.-6 p.m.CT 24 Hour Automated Service Summary of Account Activity . Payment Information Previous Balance 52,871.57 New Balance $2,791.57 Payments -S80.00 Minimum Payment Due $54.30 Other Credits -$0.00 Payment Due Date 12/27/2014 Purchases/Debits +$0.00 Late Payment Warning:lf we do not receive your minimum payment by Fees Charged +$0.00 the Payment Due Date listed above,you may have to pay up to a$35.00 Interest Charged +$0.00 late fee. New Balance $2,791.57 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more In interest and it will take you longer to pay Credit Limit $3,300.00 off your balance.For exam le: Available Credit $508.00 1f you make no additional You will pay off the And you will end up charges using this card paying a an estimated Statement Closing Date 12/02/2074 and each month you P y g Days In Billing Cycle 30 pay.. statement In about... total of... Onlytheminimum 4years $2,792.00 payment $78.00 3years $2,792.00 (Savings=$0.00) For Information about Credit Counseling and Debt Management Services, please call 1-877-285.2108,or go online: www.usdo. ov/ust/eo/ba /ccde/cc a rovedhtm Important Inforrnatlon Reminder:Your credit card account may not be paid ahead to avoid making payments in future billing periods.You may pay more than the Minimum Payment Due at any time.However,to avoid late fees and delinquency we must receive at least the Minimum Payment Due(as reflected on each monthly statement)on or before the Payment Due Date each billing period until your balance is zero. Sign up for free access to Wefts Forgo Online•today!It's the easy and secure way to manage your account and make payments virtually anytime,anywhere. Plus,choose paperless statements to reduce clutter and help the environment.To sign up,visit wellsfargo.com/cardholders. Transaction Summary Reference Number Trans Date Post Date Description of Transaction or Credit Amount 990000051 P938800NG4KE2)68R 11/14 11/14 PAYMENTTHANKYOU S80.00- Fees- TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged . •12/02 12/02 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2014 Totals Year-To-Date Total fees charged in 2014 $25.00 Total Interest charged in 2014 $0.00 Interest Charge Calculation Your Annual Percentage Rate(APR)Is the annual Interest rate on your account. Typeof Balance Transaction Special Terms Annual Balance Interest Balance Date End Date Percentage Subject to Charge Rate(APR) Interest Rate Current Transactions To pay your bill and manage your account online,sign up for Wells Fargo Online*at wellsfargo.com/cardholders.If you use a bill payment service other than Wells Fargo Online to make payments with us,we are not responsible for the accuracy and timeliness of your online bill payments. You may also pay by phone using your bank routing and checking account number by calling 24 hours 1-800-459-8451. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION 5685 Ji1.7 1 7 1 161202 0 PAOCS 1 of 5 10 9388 2180 A031 01AA5685 Please return bottom portion with your payment.We must rective'payment by the due date.Do not send cash.Retain upper portion for your records. Account ft —8000 WELLS FARGO FINANCIAL NATIONAL BANK New Balance $2,791.57 Client Processing-MAC N0003-038 800 Walnut Street Minimum Payment Due $54.30 Des Moines IA 50309 Payment Due Date 12/27/2014 Please Print Address and/or Phone Number Changes Below: Address Amount ❑❑❑I❑❑❑ —11-1city State Zip Enclosed $ ( ) ( ) Make checks payable to: Home Phone Work Phone DONALD N ZULU 34 LANCASTER AVE WELLS FARGO FINANCIAL NATIONAL BANK ENOLA PA 17025-2008 P.O.BOX 660431 DALLAS TX 75266-0431 I((rh(rm(trout(411r(IIIIII)upplOtu(nl(t414Pnlll Prlrl(Irlltrr)Prlllrnrmllrrnllullrllrplrmrrh(nnipr ' Wells Fargo Financial National Bank Account Ending In 8000 Visit us at wellsfargo.com/cardholders Billing Cycle 11/03/2014 to 12/02/2014 Customer Service:1-80OA59-8451 Monday-Friday,8 a.m:6 p.m.CT 24 Hour Automated Service Interest Charge Calculation(continued) TypeofBalance Transaction Special Terms Annual Balance Interest Balance Date End Date Percentage Subjectto Charge Rate(APR) Interest Rate REGULAR N/A N/A 27.99%(v) $0.00 $0.00 $0.00 SPECIAL RATE W/EQUAL PYMT 03/31/2014 N/A 0.00% $2820.90 $0.00 $2791.57 (v)=Variable Rate See reverse side of the second page for an explanation of how the Balance Subject to Interest Rate for each Type of Balance was computed and an explanation of how to avoid additional interest charges. Online Statements are convenient,great for the Tired of the paper environment,and best of all no cost to you! • View,download,and print up to 24 months of statements—anytime,anywhere you access the uct eetl • Reduce the amount of paper you receive each month and conserve trees is Switch to Online Statements todayl • Receive monthly reminders—we will let you wellsfargoxom/cardholders know by email when your statement is ready I Online Statements require a computer with internet access.The length of Online Statement storage varies depending on the product:up to 24 months for credit cards,home equity and personal loans and lines of credit,home mortgage loans,and student loans;and up to 7years for deposit accounts and trust and managed investment accounts.The amount of time which the specific product statements are available online is indicated on the`Statements and Documents' page when viewing your Online Statements.Online Statements require Adobe Acrobat Reader•4.05 version or greater. ECG-11720220214 5685 JIIJ 1 7 1 141202 0 PAGE 2 of 5 1 0 9388 2180 A031 01AA5685 • Explanation of How Interest Was Computed,Including An Explanation of How the Average Daily Balance(Identified on Your Statement as Balance Subject to Interest Rate or Balance Subject to Deferred Interest)Was Determined Please see your Credit Card Agreement("Agreement")for complete information. Please note that"accrued interest"may also be referred to as"deferred interest"and"subacccunt(s)"may also be referred to as"balance(s)." If"REGULAR"or"SPECIAL(SPEC)RATE"or"SPECIAL(SPEC)RATE W/EQUAL PYMT'(Regular Rate or Special Rate or Special Rate with Equal Payments)is indicated in the INTEREST CHARGE CALCULATION section of your statement,the interest charge for the Billing Cycle for the balance will be the amount obtained by applying the daily periodic rate(the daily periodic rate for a Billing Cycle is figured by dividing the APR by 365)to the average daily balance("ADB"),as described below in HOW WE CALCULATE THE AVERAGE DAILY BALANCE.Then,we multiply this amount by the number of days in the Billing Cycle. HOW TO AVOID PAYING INTEREST.We begin charging interest on a purchase on the date it posts to your Account.You can avoid interest on any portion of a purchase balance shown on yourcurrent statement that you pay by the Payment Due Date if the balance shown on your previous statement was zero or was paid in full by the Payment Due Date. If"CASH ADVANCE(S)"is indicated in the INTEREST CHARGE CALCULATION section of your statement,the interest charge for the Billing Cycle for the balance will be the amount obtained by applying the daily periodic rate(the daily periodic rate for a Billing Cycle is figured by dividing the APR by 365)to the average daily balance("ADB"),as described below in HOW WE CALCULATE THE AVERAGE DAILY BALANCE.Then,we multiply this amount by the number of days in the Billing Cycle. PAYING INTEREST.We will begin charging interest on a cash advance on the date the cash advance posts to your Account. If"NO INT IF PD IN FULL NO PMT"or"NO INT IF PD IN FULL W/PMT"or"NO INT IF PD IN FULL EQ-PMT'(No Interest if Paid in Full with No Payments or No Interest if Paid in Full with Payments or No Interest if Paid in Full with Equal Payments)is indicated in the SPECIAL TERMS CALCULATION section of your statement,the deferred interest charge for the Billing Cycle for the balance will be the amount obtained by applying the daily periodic rate(the daily periodic rate for a Billing Cycle is figured by dividing the APR by 365)to the average daily balance("ADB"),as described below in HOW WE CALCULATE THE AVERAGE DAILY BALANCE.Then,we multiply this amount by the number of days in the Billing Cycle. HOW TO AVOID PAYING INTEREST.We begin accruing interest on a purchase with No Interest if Paid in Full terms on the date the purchase posts to your Account.We calculate interest on the purchase balance.This amount is called the deferred interest charge(see"Deferred Interest Charges"shown in the SPECIAL TERMS CALCULATION section of your statement).The deferred interest charge will not be added to the regular balance unless you do not pay the balance in full by the end of the special terms period(see Special Terms End Date shown in the SPECIAL TERMS CALCULATION section of your statement).You may avoid interest on the balance by paying it in full before the end of the special terms period. If"NO INT NO PYMT"or"NO INT W/PYMT"or"NO INT NO PYMT THEN EQUAL PYMT"or"NO INT W/EQUAL PYMT" (No Interest with No Payments or No Interest with Payments or No Interest with No Payments,then Equal Payments or No Interest with Equal Payments)is indicated in the INTEREST CHARGE CALCULATION section of your statement,there will be no interest charge on the purchase balance until the end of the special terms period(see Special Terms End Date shown in the INTEREST CHARGE CALCULATION section of the statement).If a"Date Special Terms Change"is indicated in the INTEREST CHARGE CALCULATION section of your statement,it means that on that date,the payment terms for the balance will change based upon the particular special terms plan indicated. HOW TO AVOID PAYING INTEREST.You may avoid interest on the balance by paying it in full before the end of the special terms period. If"NO INT NO PYMT THEN SPEC RATE"or"NO INT W/PYMT THEN SPEC RATE"(No Interest with No Payments,then Special Rate or No Interest with Payments,then Special Rate)is indicated in the INTEREST CHARGE CALCULATION section of your statement,there will be no interest charge on the purchase balance until the end of the Date Special Terms Change indicated in the INTEREST CHARGE CALCULATION section of your statement. After that,interest will be computed as stated above in the"REGULAR"or"SPECIAL(SPEC)RATE"paragraph.The"Date Special Terms Change" means that on that date,the interest terms,the payment terms,or both will change based upon the particular special terms plan indicated. HOW TO AVOID PAYING INTEREST.You may avoid interest on the balance by paying it in full by the Date Special Terms Change. HOW WE CALCULATE THE AVERAGE DAILY BALANCE("ADB") The ADB for each type of balance is calculated separately,starting with the beginning balance on the first day of each Billing Cycle.The beginning balance on the first day of the Billing Cycle includes the following: The prior Billing Cycle's ending balance,which includes any unpaid fees posted to your Account in the prior Billing Cycle(if applicable). Any late payment fees posted in the current Billing Cycle that are related to a late payment in the prior Billing Cycle(if applicable). We take the beginning balance each day and add any new purchases.Except for the first day of each Billing Cycle,we then add interest equal to the previous day's balance multiplied by the daily periodic rate.(This means interest is compounded daily.)Then,we subtract any payments or credits.This gives us the daily balance.Any daily balance that is a credit balance will be treated as zero.Then,we add up all the daily balances for the Billing Cycle. We divide this amount by the number of days in the Billing Cycle.This gives us the ADB. 4575(OM5685AP) OM568573(09/02/14) 5685 NJ 1 7 1 141202 0 PAGE 3 of 5 1 0 9388 2180 A031 OIAA5685 DONALD N ZULLI Account Number 8000 Dec 02,2014 • IMPORTANT CHANGE IN TERMS NOTICE REGARDING YOUR ACCOUNT Wells Fargo Financial National Bank("Wells Fargo")is making several changes to your Credit Card Agreement("Agreement').Wells Fargo is committed to working with you today,and tomorrow,to help meet all of your financial needs. The Important Changes to Your Account Terms table below summarizes the changes that are being made to your account terms. These changes will take effect on April 1,2015.If you have questions,you may contact us either by phone at 1-800-459-8451 or by writing to Wells Fargo Financial National Bank,Attention:Operational Support,MAC N0003-062,800 Walnut Street,Des Moines,IA 50309. Important Changes to Your Account Terms-Revised Terms as of April 1,2015 Penalty Fees •Late Payment Up to$38.00 •Returned Payment Up to$38.00 April 1,2015 Changes The changes below will become effective April 1,2015.You may not reject these changes. 1. In the section of the Agreement that is presented in the form of a table,the row titled"Penalty Fees-Late Payment and Returned Payment"is deleted and replaced with the following: Penalty Fees •Late Payment Up to S38.00 •Returned Payment I Up to 38.00 2. The section of the Agreement titled"How We Will Calculate Your Penalty Fees"is deleted and replaced with the following: How We Will Calculate Your Penalty Fees:The fee will be the lesser of the Minimum Payment Due or$27.00.For any subsequent event within a rolling six billing cycle period,the fee will be the lesser of the Minimum Payment Due or 38.00. NOTE:The changes above may not affect your account if you are currently participating in a special hardship repayment plan managed by us or a debt counseling agency,or if you are protected by the Servicemembers Civil Relief Act("SCRA"),if the terms of the special hardship repayment plan or SCRA relief override the changes.Once you are no longer participating in a special hardship repayment plan or SCRA relief,all of the changes above will apply. Agreement clarifications.Please note that the changes below are being made to your Agreement as clarification to existing terms that are already in effect.Please also be aware that you may not reject these changes. 1. The section of the Agreement titled"Agreement'is deleted and replaced with the following: AGREEMENT.This Credit Card Agreement("Agreement")covers the use of your Credit Card Account("Account')with us.It includes the Important Terms of Your Credit Card Account.You accept the terms of this Agreement by opening or using your Account.Your signature on your application or solicitation for this Account,including without limitation any electronic or digital signature,as well as your signature on Sales Slips or any Account-related document,represents your signature on this Agreement.If you have a joint Account,each of you is bound by this Agreement.Please read this Agreement carefully and save it for future reference. 2. The section of the Agreement titled"Special Rate"is deleted and replaced with the following: Special Rate.This means the APR shown on the Sales Slip will be used to figure interest on the purchase balance. A special rate of 0%APR may be advertised as a"no interest"special terms promotion. The following notice is meant for customers who speak Spanish,Chinese,Vietnamese,Korean orTagalog. 1MPORTANTE:Si usted no lee ingl6s,pida a su int6rprete que revise y le describa el contenido de esta carta.Ll"amens al 1-800-459-8451 Para discutir su duda o recibir una respuesta a sus preguntas. Ak Tr VRL"',VFNAUC ?�9 1�r �s� 3 Th`�Cf �JC�7'e ° OEM 1-800-459-8451 QUAN TRONG:Ne"u guy vi kh6ng doc dufuc tie"ng Anh,hay nha ngLfdi thong dich cua quy vi xem vA trinh bay lai not dung la thLP nay cho quq vi.Xin goi chOng t6i tai s6 digin thoai 1-800-459-8451 M ban ve tai lieu nay hoac giAi d6p baa"t ca thac mac nao. g- h .4011 za�l *4A1'l, -1491 o I(ZI611 A 0l M_91 'hl-$z 7J-4:,7 hul 4 rd o}Adhl X611 5-44 1 S}tl>}E o}AJ .t}aP19,j°hll-111-800-459-8451 _ ;i1*4i`r�h1�. _ MAHALAGA: Kung hindi kayo nakakabasa ng Ingles, iparepaso at ipalarawan sa inyong tagasaling-wika ang mga nilalaman ng liham na ito sa inyo.Tawagan kami sa 1-800-459-8451 upang mapag-usapan ito at masagot ang ano mang mga katanungan. 0401114 5685 NS 1 7 1 141202 0 PAGE 4 of 5 10 9388 2180 A031 01AA5685