Financing Information

REGULAR TERMS FINANCING

The regular terms disclosure below should be used when the following terms are stated within the advertisement and there is not a specific financing promotion mentioned:

No annual fees*
No pre-payment penalties*

*The [Card Name] credit card is issued with approved credit by Wells Fargo Financial National Bank. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.

NO-INTEREST OPTION WITH EQUAL PAYMENTS FEATURING # OF MONTHS

· No Interest if paid in full within [X] months!

· No Interest if paid in full within [X] months with equal payments!

Equal payments with no interest financing if paid in full within [X] months!

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.*

*The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit. The minimum monthly payment will be the amount that will pay for the purchase in full in equal payments during the promotional period. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.Offer expires [MM/DD/YYYY].

NO-INTEREST OPTION WITH EQUAL PAYMENTS FEATURING MONTH 1, YEAR

No Interest if paid in full by [Month 1, Year]!
No Interest if paid in full by [Month 1, Year] with equal payments!
Equal payments with No Interest if paid in full by [Month 1, Year]!

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.*

*The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit until [MM/01/YYYY]. The minimum monthly payment will be the amount that will pay for the purchase in full in equal payments during the promotional period. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. Offer expires [MM/DD/YYYY].

NO-INTEREST OPTION WITH REGULAR PAYMENTS FEATURING # OF MONTHS

No Interest if paid in full within [X] months!
No Interest if paid in full within [X] months with regular payments!

Low regular payments with no interest financing if paid in full within [X] months!

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.*

*The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit. Regular minimum monthly payments are required during the promotional period. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. Offer expires [MM/DD/YYYY].

NO-INTEREST OPTION WITH REGULAR PAYMENTS FEATURING MONTH 1, YEAR

No Interest if paid in full by [Month 1, Year]!
No Interest if paid in full by [Month 1, Year] with regular payments!
Low regular payments with No Interest if paid in full by [Month 1, Year]!

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.*

*The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit until [MM]/01/YYYY]. Regular minimum monthly payments are required during the promotional period. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. Offer expires [MM/DD/YYYY].

NO-INTEREST OPTION WITH CUSTOM PAYMENTS FEATURING # OF MONTHS

· No Interest if paid in full within [X] months!

· No Interest if paid in full within [X] months with custom payments!

Low custom payments with no interest financing if paid in full within [X] months!

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.*

*The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. Monthly payments of at least [% or fraction] of the purchase balance are required during the promotional period. If there is an unpaid balance on the purchase at the end of the promotional period, the balance will be transferred to the regular subaccount. The minimum monthly payment on the regular subaccount may be more than the minimum payment during the promotional period. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.Offer expires [MM/DD/YYYY].

NO-INTEREST OPTION WITH CUSTOM PAYMENTS FEATURING MONTH 1, YEAR

No Interest if paid in full by [Month 1, Year]!
No Interest if paid in full by [Month 1, Year] with custom payments!
Low custom payments with No Interest if paid in full by [Month 1, Year]!

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.*

*The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit until [MM]/01/YYYY]. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. Monthly payments of at least [% or fraction] of the purchase balance are required during the promotional period. If there is an unpaid balance on the purchase at the end of the promotional period, the balance will be transferred to the regular subaccount. The minimum monthly payment on the regular subaccount may be more than the minimum payment during the promotional period. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.Offer expires [MM/DD/YYYY].

REDUCED RATE WITH REGULAR PAYMENTS

Reduced rate of [X.XX]% APR with regular payments!*

Low regular payments with a reduced rate of [X.XX]% APR!*

*The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to qualifying purchases charged with approved credit. The special-terms APR will continue to apply until all qualifying purchases are paid in full unless you make a late payment. Regular minimum monthly payments are required during the promotional period. The regular APR will apply if you make a late payment or use the card for other transactions. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. Offer expires [MM/DD/YYYY].

REDUCED RATE WITH CUSTOM PAYMENTS

Header options:

Reduced rate of [X.XX]% APR with custom payments!*

Low custom payments with a reduced rate of [X.XX]% APR!*

*The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to qualifying purchases charged with approved credit. The special-terms APR will continue to apply until all qualifying purchases are paid in full unless you make a late payment. Monthly payments of at least [% or fraction] of the purchase balance are required during the promotional period. The regular APR will apply if you make a late payment or use the card for other transactions. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. Offer expires [MM/DD/YYYY].

PROMOTING A MONTHLY PAYMENT FOR A SPECIFIC ITEM

Please log on to the Online Resource Center at wffrs.com and utilize the Advertising Payment Calculator when creating advertisements that feature monthly payments. This tool can be found on the left navigation bar of the Online Resource Center under “Advertising Resources.”

To use the tool you will need to select the tab for the promotion you are advertising. Then provide or select the following:

1) Sale price of good(s) or service(s)

2) Promotional period (i.e., 6 months, 12 months, etc.)

3) Payment terms (i.e., regular or custom payments)

4) Annual Percentage Rate (APR) (Reduced Rate promotions only)

Once you input the appropriate information, you will receive the monthly payment amount, the total amount of payments and the time period to pay in full. You will need to use this information in the header and subhead of your advertisement.

MONTHLY PAYMENT WITH A SPECIFIC ITEM

Purchase [specific item] for $[XX.XX] per month!
Take me home for low monthly payments of $[XX.XX]! (shown with an image of the specific item)

The total of payments is $[X,XXX] and the time to repay the balance will be [XX] months.*

*The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Monthly payment is based on purchase price alone excluding tax and delivery charges. Credit purchases subject to credit approval. Other transactions may affect the monthly payment. Offer expires [MM/DD/YYYY].

MONTHLY PAYMENT WITH A SPECIFIC ITEM AND A FINANCING PROMOTION

No-interest option with regular payment example:

Purchase [specific item] for $[XX.XX] per month!

The total of payments is $[X,XXX] and the time to repay the balance will be [XX] months.*

Or take advantage of our No Interest financing if paid in full by [Month 1, Year]!

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.**

** The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit until [MM/01/YYYY]. Regular minimum monthly payments are required during the promotional period. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. Offer expires [MM/DD/YYYY].

No-interest option with equal payment example:

Purchase [specific item] for $[XX.XX] per month with No Interest financing with equal payments for [XX] months!

The total of payments is $[X,XXX] and the time to repay the balance will be [XX] months.*

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.**

** The [Card Name] credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit. The minimum monthly payment will be the amount that will pay for the purchase in full in equal payments during the promotional period. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is [AA.AA%]. The APR may vary. The APR is given as of [MM/DD/YYYY]. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. Offer expires [MM/DD/YYYY].

Special Rule for California Advertising: When an actual or estimated monthly payment amount is identified in any promotional material, California state law may require substantial additional information to accompany the disclosures specified above. Due to the difficulty in drafting a meaningful template disclosure that accommodates the variable nature of the additional information, merchants should not identify a monthly payment amount UNLESS the promotional material is submitted to Wells Fargo Financial Retail Services at ClientAdvertisingReview@wellsfargo.com ten (10) or more business days in advance of its planned use. Wells Fargo Financial Retail Services will work with the merchant to evaluate the facts surrounding the promotion and if necessary, draft a tailored disclosure that includes required additional information. Please direct all questions to Relationship Manager or Marketing for further assistance.