Credit Defense Platinum Service Guide

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1 Wells Fargo Card Services Credit Defense Platinum Service PO Box Birmingham, AL Credit Defense Platinum Service Guide # # Sample A Sample 1145 Sanctuary Pkwy Ste 300 Alpharetta GA W

2 WELLS FARGO Account Number Ending in 1234 Statement Billing Period 01/09/2010 to 02/05/2010 Page 1 of 4 Balance Summary Previous Balance $ Payments $15.00 Other Credits $ Cash Advances $ Purchases, Balance Transfers & $37.56 Other Charges + Fees Charged $ Interest Charged $2.16 = New Balance $ Total Credit Limit $7,000 Total Available Credit Payment Information New Balance $ Send Payments To: PO Box 6412, Carol Stream IL, Scheduled Minimum Payment $15.00 Scheduled Payment Due Date 03/02/2010 Late Payment Warning: If we do not receive yourscheduled Minimum Paymentby 03/02/2010, you may have to pay a late fee up to $39.Your Annual Percentage Rates (APRs) may also increase up to the Penalty APR of 24.74%. 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 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 19 month(s) $263 If you would like information about credit counseling services, refer to or call Wells Fargo Home Rebate (SM) Program Summary Transactions Trans 01/09 01/25 01/27 Fees 02/05 Rebate Earned This Month: $0.38 Rebate Bonus / Adjustments This Month: $0.00 Rebate Distributed This Month: $0.00 Total Rebate Balance: $5.73 Program Anniversary Month: 7 Post 01/09 01/25 01/27 02/05 Interest Charged Reference Number QS2SYGNTJV D9S73XGDMN DQ3FWE1AX3 Description WALGREENS #7628 SMITHTOWN NY PAYMENT-THANK YOU CONCORD WALGREENS #7628 SMITHTOWN NY CREDIT DEFENSE P TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES TOTAL INTEREST FOR THIS PERIOD 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN Hour Customer Service: TDD for Hearing/Speech Impaired: Outside the US Call Collect: Wells Fargo Online : wellsfargo.com Send General Inquiries To: PO Box 10347, Des Moines IA, CA $2.54 $2.16 Credits $6,760 Charges $ $2.16 About Your Service Guide Thank you for enrolling in the optional Credit Defense Platinum service on your Wells Fargo Credit Card account. You have made a smart choice to protect your account during stressful times. Please review carefully and file away for easy reference. This Credit Defense Platinum Service Guide ( Service Guide ) will help you understand the features and benefits of the Credit Defense Platinum service. This Service Guide amends your Customer Agreement and Disclosure Statement with Wells Fargo Bank, N.A. What is Debt Cancellation The Credit Defense Platinum service is a debt cancellation service. It provides you with benefits outlined in this document. This service will cancel debt owed on your account if any of the covered events listed in this document happens to you or your joint cardholder (if joint account). Except for the benefit due to loss of life, the benefit is a fixed amount based on the statement immediately following the date of the event, whichever is the larger of: 4% of the New Balance plus the Credit Defense Platinum fee or the Minimum Payment. For involuntary unemployment, disability, and hospitalization, the benefit amount will be credited to your account up to 12 months as long as you remain qualified. In the event of auto or pet expenses of $250 or greater, or should you move to a new address, the benefit amount will be credited for 1 month. If approved for a loss of life benefit, the New Balance on the credit card statement ent immediately medi following the date of death will be cancelled. Fast Facts About Your Enrollment Account Number Ending In: 5511 This Credit Defense Platinum service is for your Wells Fargo Credit Card account ending in You enrolled in the service by application and enrollment became effective on August 27, This optional service provides the primary cardholder and/or joint cardholder (if joint account) with unique benefits. These benefits are described in this Service Guide. Using the service and having debt cancelled on your account will NOT negatively affect your credit rating and using the service will NOT negatively affect the status of your Wells Fargo Credit Card account. Transactions Trans Post Reference Number Description Credits Charges 1-2 Cost The fee for this service will automatically be billed on your monthly Wells Fargo Credit Card statement. The cost is 39 cents for each $100 of your ending monthly balance. For example, if the New Balance on your statement is $2000, the cost for that month would be 39 cents multiplied by 20 for a total of $7.80. You can end your enrollment in this optional service at any time. Just call us. 30-Day Review Period Your satisfaction with the service is important to us. Should you decide this program is not for you, simply end your enrollment within 30 days of your effective date of August 27, 2013 and you will receive a credit of any fees billed to your account. Fees 02/05 02/05 CREDIT DEFENSE P 2.12 TOTAL FEES FOR THIS PERIOD $2.12

3 How To Request Benefits For fastest service, simply call us at to request a benefit request form. You will be able to reach us Monday through Friday. Our hours are 7:00 a.m. to 7:00 p.m. Pacific Time. When you call, we will take down some basic information and then mail the benefit request form to you. Allow 5 to 7 business days to receive the form in the mail. Just follow the steps on the form and send it back to us. If you prefer, you can also receive a benefit request form by writing us at: Credit Defense Customer Care Team, PO Box , Atlanta, GA While your benefit request is being processed, please remember to keep paying any amount owed on your account. If approved, your debt cancellation benefits will go back to the very first day of the covered event. Call Us: Monday through Friday 7:00 a.m. to 7:00 p.m. Pacific Time Mail Us: Credit Defense Customer Care Team PO Box Atlanta, GA Number of Benefits and Benefit Amount For all benefits except loss of life, the benefit is a fixed amount based on the credit card statement immediately following the date of the event, whichever is the larger of: 4% of the New Balance plus the Credit Defense Platinum fee or the Minimum Payment. For disability, involuntary unemployment or hospitalization, you are eligible for up to 12 monthly benefit payments. In the event of auto or pet expenses of $250 or greater, or should you move to a new address, you are eligible for one benefit payment per calendar year. Because the benefit is a fixed amount based on the credit card statement immediately following the date of the event, it may not cover the current Minimum Payment due on your statement each month during the benefit period. If the benefit amount is less than the Minimum Payment, it is your responsibility to pay any amounts not covered by the benefit amount (such as, without limitation, any additional purchases or cash advances or interest rate increases) to ensure the Minimum Payment is paid on your account. In the event of loss of life, a one-time benefit amount equal to the New Balance on the credit card statement immediately following the date of death will be credited. There is no limit to the number of times you can request a new benefit for involuntary unemployment, disability and hospitalization in a calendar year. However, you are only eligible for one benefit per occurrence.

4 Involuntary Unemployment If you ever lose your job involuntarily and are out of work, you may request a benefit under this service. To qualify for this benefit, you must have been employed for a minimum of 3 months as a permanent employee by someone other than yourself or another member of your household at the time of your unemployment. Your loss of employment can be caused by termination of your employment, a general strike, a layoff, a unionized labor dispute or a lockout. Out of work Call and request your benefits. To qualify for a benefit due to involuntary unemployment, you must: have been employed for a minimum of 3 months as a permanent employee at the time of unemployment; register with your state unemployment office or job service, and provide a copy of your unemployment benefit check stub or benefit statement as proof of registering; in the event of a strike, labor dispute or lockout, a union representative must sign a form specifying the situation involving the unemployment; not be self-employed or retired at the time of unemployment; complete and return the monthly benefit request forms to continue timely processing of your monthly benefits; meet all requirements, as determined by us, applicable to your circumstances as described in this Service Guide; continue to make at least your Minimum Payment(s) on your account until you are notified by us that your benefit request has been approved; and the involuntary unemployment must occur after your date of enrollment in the service. To continue to qualify for benefits, you must: complete and return the monthly benefit request forms to continue timely processing of your monthly benefits; not return to work. You will not qualify for involuntary unemployment benefits if: you voluntarily quit your job; you were self-employed or employed ed by a family member or household old member; you are retired. Disability If you ever become disabled, you may request a benefit under this service. Been disabled Call and request your benefits. To qualify for a benefit due to disability, you must: be disabled due to sickness or injury; be under the continuous care of a physician or licensed health care practitioner who will verify disability in order for the benefit to continue; complete and return the forms required by us for the initial proof of disability; complete and return the monthly benefit request forms required by us for continuing proof of your disability to continue timely processing of your monthly benefits; meet all requirements, as determined by us, applicable to your circumstances as described in this Service Guide; continue to make at least your Minimum Payment(s) on your account until you are notified by us that your benefit request has been approved; and the disability must occur after your date of enrollment in the service.

5 Hospitalization If you ever become hospitalized overnight, you may request a benefit under this service. Been hospitalized overnight Call and request your benefits. To qualify for a benefit due to hospitalization, you must: be hospitalized overnight; complete and return the forms required by us for the initial proof of hospitalization; complete and return the monthly benefit request forms required by us for continuing proof of hospitalization to continue timely processing of your monthly benefits; meet all requirements, as determined by us, applicable to your circumstances as described in this Service Guide; continue to make at least your Minimum Payment(s) on your account until you are notified by us that your benefit request has been approved; and the hospitalization must occur after your date of enrollment in the service. Auto Services If you have auto services expenses totaling $250 or greater, you may request a benefit under this service. Have auto expenses for $250 or greater Call and request your benefit. To qualify for an auto services benefit you must: provide a detailed receipt of auto service(s) that total $250 or greater for a single visit; complete and return the forms required by us for proof of services; meet all requirements, as determined by us, applicable to your circumstances as described in this Service Guide; continue to make at least your Minimum Payment(s) on your account until you are notified by us that your benefit request has been approved; and the auto services must occur after your date of enrollment in the service. Please note: You are eligible for one auto services benefit in a calendar year.

6 Pet Services If you have pet services totaling $250 or greater, you may request a benefit under this service. Have pet expenses for $250 or greater Call and request your benefit. To qualify for a benefit for a pet service, you must: provide a detailed receipt of pet services that total $250 or greater for a single visit; complete and return the forms required by us; meet all requirements, as determined by us, applicable to your circumstances as described in this Service Guide; continue to make at least your Minimum Payment(s) on your account until you are notified by us that your benefit has been approved; and the pet services must occur after your date of enrollment in the service. Please note: You are eligible for one pet services benefit in a calendar year. Moving If you have moved, you may request a benefit under this service. Have you moved Call and request your benefit. To qualify for a benefit for moving, you must: provide copies of utility bills showing your name with your previous and new addresses; provide documentation from campus housing verifying your move, if you are a college student living in campus housing; complete and return the forms required by us; meet all requirements, as determined by us, applicable to your circumstances as described in this Service Guide; continue to make at least your Minimum Payment(s) on your account until you are notified by us that your benefit has been approved; and the move must occur after your date of enrollment in the service. Please note: You are eligible for one moving benefit in a calendar year.

7 Loss of Life If you lose your life, your survivors and/or estate may request a benefit under this service. By calling your survivors and/or estate will be provided with a benefit request form to be completed by them. To qualify for a benefit due to loss of life: your survivors and/or estate must notify us within 24 months after the date of death by calling the Customer Care Team; we may request a copy of the death certificate; if we do so, your survivors and/or estate must complete and return the forms required by us for the proof of death within 90 days of our request; all requirements must be met as determined by us, applicable to your circumstances as described in this Service Guide; your estate should continue to make at least your Minimum Payment(s) on your account until the estate is notified by us that the benefit request has been approved; and the loss must occur after your date of enrollment in the service.

8 Credit Defense Platinum Service Agreement Additional Terms and Conditions This agreement contains all of the terms applicable to the benefits. The Credit Defense Platinum service will apply to your account as long as you pay the monthly fee, which will be billed on your monthly statement. Under this agreement, benefits specifically apply to the primary cardholder and/ or the joint cardholder (if joint account) on this account. Authorized Credit Card users are not eligible for benefits. Service Provided We will provide Credit Defense Platinum service benefits for the events outlined in this Service Guide when they occur to the primary and/or joint cardholder as long as the service requirements are met. As long as you maintain this service on your account and pay the applicable fee, you can use the service as many times as needed, subject to conditions outlined in this Service Guide. Receiving Benefits To receive benefits, you will need to take action. You will first need to reach us and request benefits. Then, complete the benefit request form we will send to you and possibly provide some supporting documents to obtain approval from us. If approved, the benefit payments will be shown on your monthly credit card statement. The benefit payment will be reflected as a credit amount. We will also send you a letter describing the approved benefit amount. In some cases, a benefit may be denied. In these cases, you will receive a letter which will explain why you were not eligible to receive benefits at that time. In some cases, we may simply need additional information upon the receipt of which the review process will continue. While awaiting word from us on your benefit request, you will need to continue to make your monthly Minimum Payment on this account. Your satisfaction with the Credit Defense Platinum service is very important to us. You can reach specially trained representatives by phone at with questions about a benefit or any aspect of the program. When A Benefit Ends For a disability, hospitalization or unemployment, your benefit will end upon the occurrence of any of the following: when your covered event ends; failure to provide your monthly benefit request forms within 180 days; after we have credited your account with 12 benefit payments; if you request to have your benefit stopped; if we discover you intentionally misrepresented to us any information pertaining to your covered event; if we determine, in our sole discretion, that the answers to questions in the initial report were incomplete, false or misleading in any way; if we determine, in our sole discretion, that the qualification icat ation and eligibility requirements described in this Service Guide are not met; or if we determine you violated any of the terms and conditions of this Service Guide or the Customer Agreement and Disclosure Statement. Additional Terms and Conditions (continued) When your benefit ends, regardless rdl of the reason, you will again be responsible for making payments on your account in accordance with your Customer Agreement and Disclosure Statement. For life, moving, pet and auto services, the benefit is a single payment per calendar year. Ending The Service You can end the Credit Defense Platinum service at any time by calling us at to cancel the service. You will be able to reach us Monday through Friday from 7:00 a.m. to 7:00 p.m. Pacific Time. If you prefer, you can also end your enrollment by writing us at: Credit Defense Customer Care Team, PO Box , Atlanta, GA We may end this service with no advance notice to you if: your account is closed for any reason; your account becomes 90 days (3 billing cycles) past due; you violate any of the terms and conditions of your Customer Agreement and Disclosure Statement or this Service Guide. We may end this service with 30 days advance notice to you if: we decide to discontinue offering this program to all program participants for any reason. Additional Service Details If we ever change or add benefits to the Credit Defense Platinum service, we will notify you in writing or as required by law. Any changes to this Service Guide that occur during your benefit period will not take effect until your benefit period ends, including a cancellation of this service. If you receive a notice from us of a change in the Service Guide and/or service and you do not wish to be bound by those changes, you must notify us within 30 days of receipt of that notice and we will cancel your service. If you do not notify us within the 30 day period, you will become bound to all changes for which you received notice. If you meet the benefit requirements on the date of event, you are eligible to receive benefits regardless of whether you have active protection at the time the event is reported. We reserve the right to waive any of the requirements listed in this document at our sole discretion. However, if we do this, we will not be obligated to waive the same requirement or another requirement in any other situation. Because this Service Guide is made part of your Customer Agreement and Disclosure Statement with Wells Fargo Bank, N.A. any arbitration provisions listed will apply to this service. All other provisions of your Customer Agreement and Disclosure Statement remain in full force and effect. In the event of any conflict between the terms of this Service Guide and the terms contained in the Customer Agreement and Disclosure Statement, the terms of this Service Guide shall govern. We will not file a Form 1099 with the Internal Revenue Service if your debt is cancelled in any covered event. Any and all taxes related to benefits received by you are your responsibility. We strongly recommend that you seek the advice of your tax advisor regarding this matter.

9 Cut & keep this card: This card confirms your enrollment into the program. Credit Defense Platinum ENROLLMENT CARD Credit Defense Platinum protects: Involuntary Unemployment Pet Services Disability Moving Hospitalization Loss of Life Auto Services

10 Cut & keep this card: This card confirms your enrollment into the program. Credit Defense Platinum ENROLLMENT CARD Sample A Sample I enrolled in the optional Wells Fargo Credit Defense Platinum service. Questions Risk Free Review Period We want you to be pleased with your enrollment in the Credit Defense Platinum service. Should you ever request benefits, we will be ready to serve you in a prompt and pleasant manner. You have 30 days from the effective date to make sure this service makes sense for you. If not, you can choose to cancel the Credit Defense Platinum service option and we will promptly issue a credit for any fees billed to your account. The credit will appear on your next monthly account statement. Thank you for enrolling in this optional service. W W Wells Fargo Bank, N.A. WF 0913-CDP SG E

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