Wells Fargo Business Credit Card Agreement

To request a copy of your account agreement or ask other questions about your credit card account: If you wish to link your account to your Wells Fargo checking account for overdraft protection, please note the following. If you have a shared checking account, you are responsible for all advances, including interest and fees, from your credit card to cover overdrafts, regardless of who writes the check, makes the purchase of the debit card, or participates in any other transaction that caused the overdraft. Depending on the terms of your account, an overdraft protection fee may be charged to your account each day an overdraft protection advance is made, and interest will be charged from the date each advance is made. Your credit card must be activated; If it is not activated, no money will be transferred to cover the overdraft. Once your credit card is activated, please wait up to 3 business days for your overdraft protection to be fully activated. For more information, see the Customer Agreement and consumer credit card disclosure statement. There may be other options available to protect against overdrafts, which can be less expensive. More information on overdraft protection with your credit card can be found under www.wellsfargo.com/credit-cards/features/overdraft-protection. For more information about other options, see www.wellsfargo.com/checking/overdraft-services/. How we calculate your variable APR information: Unless an introductory or advertising APR is in effect, we will add a “margin” to the U.S. policy rate to determine your standard variable APR. For each billing period, we use the U.S.

federal funds rate or the average U.S. rate if there is more than one that is published in the Monetary Rates column of the Wall Street Journal three business days before the closing date of your settlement….

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