Signify Business Elite Credit Card Customer Agreement

Wells Fargo Signify Business Elite^® Card Account Agreement
Business Credit Card Customer Agreement and Disclosure Statement

Mastercard World Elite^®

Effective: March 31, 2026

In this contract, "the Bank," "Wells Fargo," "we," "our," and "us" refer to Wells Fargo Bank, N.A. "You" and "your" mean the person (guarantor for the business or a sole proprietor) who applied for and received a Mastercard® Business Credit Card (Business Credit Card). "Customer" means the business organization that applied for and received a Business Credit Card. "Business Credit Card" means any cards we issue to you or any devices we allow you to use for accessing your Business Credit Card Account (Account) to obtain credit.

Parte 1: Uso de Su Cuenta

¿En qué consiste este contrato?
This contract is for your Account and is between Wells Fargo Bank, N.A. and each Guarantor.
El contrato incluye la siguiente información:
- Business Credit Card Customer Agreement (Agreement)
- Future changes to this contract
You accept this Agreement’s terms, including but not limited to any finance charges and other charges, by doing the following:
- Business Credit Card Customer Agreement (Agreement)
- Using or confirming your Account
- Requesting a transfer from the Account by you or your Administrator(s) or Cardholder(s)
Please carefully read this Agreement and keep it for your records.
Este Acuerdo contiene disposiciones de resolución de disputas, incluidos un acuerdo de arbitraje, una renuncia a demandas formuladas como acción colectiva y una renuncia a juicio por jurado, que afectan sus derechos legales. En el arbitraje, es posible que haya menos exhibición de pruebas y revisión de apelaciones que en un tribunal. Revise estas disposiciones detenidamente.
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¿Cómo puede usar esta Cuenta?

This Account is for business use only. You agree that you (guarantor for the business or a sole proprietor)) and your business are not a Money Service Business as defined by federal law. If you are such a business, you need to tell us and follow all the rules and laws that apply to those types of businesses.

You can use your Business Credit Card to buy goods or services wherever you can use a Mastercard.

Tipo de Transacción	Detalles
Cash Advances	When you use your Business Credit Card Account to get cash or for cash-like transactions, we treat certain transaction types as a Cash Advance. These transactions include, but are not limited to: El uso de la Tarjeta de Crédito en: Cajero automático (ATM) Cajero(a) Banca por Internet Wells Fargo Online (wellsfargo.com/es) o a través de la app de Wells Fargo Mobile Cash-like transactions (to the extent accepted), such as: Monedas digitales Fichas de juego de casino Moneda extranjera Boletos de lotería Giros postales Apuestas externas Apuestas por Internet Otras apuestas Transferencia de dinero de persona a persona Apuestas deportivas Cheques de viajero Giros electrónicos Vouchers que puede canjear por efectivo o artículos similares Transfers Overdraft Protection Advances
Compras	"Purchases" means when you use your Credit Card to buy or lease goods or services. Tax payments and associated fees are Purchases. Cash Advances are not Purchases.
Otra	Cualquier otra transacción que permitamos.

Further, you cannot use your Account:

For any transactions that are against the law
To pay off any other Wells Fargo credit account

If you try to do so, we may close your Account.

We are not responsible for anyone who refuses to accept your Credit Card or any other Credit Access Device. "Credit Access Device" means a device other than your Credit Card that we allow you to use for accessing your Account to obtain credit, like mobile devices.

Knowing Your Responsibility to Pay

When you use your Account or let someone else use it, you promise to pay the total amount of the Purchases and Cash Advances. You also promise to pay all interest, fees, and other amounts that you may owe us.

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¿Podemos limitar el uso que usted haga de la Cuenta?
Sí. Podremos limitar o cerrar su Cuenta. Si lo hacemos, los términos de este Contrato se aplicarán hasta que usted pague su Cuenta por completo.
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¿Qué es su Límite de Crédito?
"Credit Limit" means the amount of credit that is available for you to use with your Account. We provide this amount to you with your Credit Card, and it shows on each of your billing statements. You promise to use your Account only to the limits. We can adjust your Credit Limit at any time, including automatically increasing your Credit Limit if you qualify.
You may also receive a Cash Credit Limit, which is the cash advance limit that is available for you to use from your Account. This amount is lower than your Credit Limit. We provide this amount to you with your Credit Card, and it shows on each of your billing statements. You promise to use your Account only to the limits. Further, we may restrict the amount of your Credit Limit that you can use for Cash Advances.
Adding More Business Credit Cards
Any Business Credit Cards you add to your Account will have its own Account number. After adding them, you can set spending limits for each Business Credit Card.
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¿Qué sucede si excede su Límite de Crédito disponible?
You must not use the Account in any way that makes it go over the Credit Limit. If you do, we may either allow the transaction without increasing your Credit Limit or deny the transaction. We may also take the following steps:
- Close the Account
- Lower the Credit Limit
- Take other actions without telling you (except when the law requires us to)
You have to pay back any money you spend, even if the amount is more than the Credit Limit. If we allow the transaction, we may require you to pay the over-limit amount along with your next statement’s Minimum Payment. You will still be liable (responsible) for all credit you receive.
"Pago Mínimo" significa el monto mínimo que usted debe pagar a más tardar en la Fecha de Vencimiento del Pago. Puede encontrar esta fecha en cada estado de cuenta de su Cuenta. "Fecha de Vencimiento del Pago" significa la fecha en la que vence el Pago Mínimo.
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Who can you assign to your Account?
- Account Guarantor(s)
  The Account Guarantor(s) is the person(s) who signed on behalf of the business and is personally responsible for the money the business owes to us. They can access the Account funds and receive information about the Account through customer service and online banking.
  The Account Guarantor(s) is personally liable (responsible) for the Account’s entire debt. By signing for and opening the Account, the Account Guarantor(s) agrees they are specifically authorized to do so and can make legally binding agreements. The Account Guarantor(s) also promises to compensate us for any losses or costs if it turns out they did not have the authority to open the Account.
  The Account Guarantor(s) agrees to take full responsibility, along with the business, for paying off all amounts you owe on this Account, even if the business receives more credit in the future. We may try to receive the money from the Account Guarantor(s) first before the business or anyone else. The Account Guarantor(s) also agrees to cover Wells Fargo's costs and reasonable lawyers' fees if we have to take legal action to enforce this personal guarantee.
- Administrators
  You can choose up to three Account Administrators for your business. An Administrator is a person (not an Account Guarantor) who can take all the actions you can with the Account, although they are not responsible for it. If you have more than one Business Credit Card Account for your business with Wells Fargo, an Administrator will be able to view and take actions for all of your Wells Fargo business credit card accounts for that business. The actions they can take include (but are not limited to):
  - Receiving Account details over the phone, through Online Banking, or in person
  - Opening or closing Business Credit Card holder (Cardholder) accounts
  - Transferring money in and out of the Account
  - Making payments
  - Choosing or removing other Administrators
  - Closing the whole Account
  Adding or Removing an Administrator
  To add or remove an Administrator, contact us in one of the following ways:
  Método de contacto
  Detalles
  By phone
  1-800-231-5511 We accept all relay calls, including 711.
  Online
  www.wellsfargo.com
  When adding an Administrator, you must give us the following details about them:
  Full name
  Número de Seguro Social
  Birthday
  Phone number
  Email
  By doing so, you agree that you have the Administrator’s permission to share their details.
- Employee Cardholders
  Employee Cardholders are employees who hold Business Credit Cards (except the sole proprietor, business owners, and Account Guarantors). They are not responsible for charges on the Business Credit Card they use. Each Business Credit Card will have the name of the Business Credit Card holder (Cardholder) and a unique account number. They can use their Business Credit Card and the Account to:
  - Make charges and transactions
  - Receive information about their own Business Credit Card
  - Use services by phone, in writing, or online
  - Order a new Business Credit Card
  - Change their Business Credit Card’s billing information
  - Stop future charges on their Business Credit Card
  The Account Guarantor(s) or an Administrator can add Employee Cardholders or close individual Employee Cardholder accounts. To do so, contact us in one of the following ways:
  Método de contacto
  Detalles
  By phone
  1-800-231-5511 We accept all relay calls, including 711.
  Online
  www.wellsfargo.com
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Método de contacto	Detalles
By phone	1-800-231-5511 We accept all relay calls, including 711.
Online	www.wellsfargo.com

Método de contacto	Detalles
By phone	1-800-231-5511 We accept all relay calls, including 711.
Online	www.wellsfargo.com

How do we manage your Account’s billing?

Your Account will either use Individual Billing or Consolidated Billing:

Billing System	Details
Individual	Each Cardholder will receive a separate monthly bill every month that the Account has any balance or financial activity. You pay these bills individually.
Consolidated	We combine and organize financial information from multiple credit cards into a single statement. You will have one main account for billing purposes (Company Control Account). If you have Employee Cardholders (Cardholder Sub-Accounts), we connect them to the Company Control Account, along with the guarantor(s)’ card(s). We move all Cardholder Sub-Account transactions to the Company Control Account for billing. As a result, we do not send each Employee Cardholder (Cardholder Sub-Account) their own billing statement. However, you have an option to receive Employee Cardholder (Cardholder Sub-Account) memo statements. You make all payments to the Company Control Account.

Billing System

Details

Individual

Each Cardholder will receive a separate monthly bill every month that the Account has any balance or financial activity.

You pay these bills individually.

Consolidated

We combine and organize financial information from multiple credit cards into a single statement.

You will have one main account for billing purposes (Company Control Account). If you have Employee Cardholders (Cardholder Sub-Accounts), we connect them to the Company Control Account, along with the guarantor(s)’ card(s). We move all Cardholder Sub-Account transactions to the Company Control Account for billing. As a result, we do not send each Employee Cardholder (Cardholder Sub-Account) their own billing statement. However, you have an option to receive Employee Cardholder (Cardholder Sub-Account) memo statements.

You make all payments to the Company Control Account.

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Will you receive a monthly billing statement?
We will send you a billing statement when your Account has a balance or financial activity. The billing statements will include
- Any balance you still owe since your last statement’s closing date
- Your Minimum Payment Due
- Your Payment Due Date
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¿Qué puede ocasionar que su Cuenta se encuentre en situación de incumplimiento?

Su Cuenta está en situación de incumplimiento si se produce cualquiera de los siguientes escenarios:

Reason	Details
Payments	You do not make a Minimum Payment by the Payment Due Date. Your payment returns to Wells Fargo unpaid or reverses for any reason. You file for bankruptcy. An Account Guarantor cannot pay their debts.
Account Activity	Your Account balance goes over your credit limit. We notice excessive or suspicious Account activity. Your Account is suspected with kiting.
Information and Terms	You do not provide us with necessary information about your Account when we request it. You do not honor this Agreement’s terms. The Customer or Account Guarantor default under any other agreement you have with us. Your application includes a false statement.
Changes in Your Business	An Account Guarantor changes. Your business’s type, volume, or ownership and/or organizational structure significantly changes. You or an Account Guarantor dies. An Account Guarantor no longer represents the account or can no longer pay the required debts.

In any of these scenarios, we will require you to immediately pay your Account balance. We may also require you to immediately pay any other accounts with us that you or an Account Guarantor is responsible for. This payment includes any interest and other charges.

In addition, we may do the following:

No permitir futuras transacciones en su Cuenta
Cerrar su Cuenta
Close your other Wells Fargo accounts, including any an Account Guarantor is responsible for (subject to applicable law)
Increase your monthly payment amounts
Cancel any Account promotional rates
Increase your interest rate on existing and new balances
Increase your Late Fee

Pagar nuestros costos cuando su Cuenta se encuentre en situación de incumplimiento

Usted conviene en pagar los costos de cobranza, honorarios de abogados y costos judiciales en los que incurramos como consecuencia de hacer valer nuestros derechos en virtud de este Contrato.

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¿Qué debe hacer si pierde o le roban su Tarjeta de Crédito o si su Cuenta está en riesgo?
Notifíquenos de inmediato si ocurre lo siguiente:
- Your Business Credit Card or Account information is lost or stolen, or
- Cree que alguien la está usando sin su permiso.
Call us at 1-800-231-5511.
Please note: Authorized use includes an Account Guarantor, Administrator, or Cardholder who use the Account or Business Credit Card even after not working for or being connected to you. This detail applies as long as it follows the law. To avoid this scenario, be sure to promptly call us and cancel their ability to use the Business Credit Card.
Investigaciones y responsabilidad por uso no autorizado y protección de Cero Responsabilidad
You agree to assist us in our investigation of your claim. If we find that you are not responsible, then we will not hold you liable for your Account’s Unauthorized Use. "Unauthorized Use" means when a person uses a Business Credit Card who is not you, an Administrator, or a Cardholder. The person does not have actual, implied, or apparent authority to use the card in this way. Further, a Guarantor, an Administrator, and/or the Cardholder receive no benefit from its use.
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¿Quién puede cerrar su Cuenta?

Entidad	Detalles
Usted	You may close your Account at any time. This includes an Account Guarantor and any Account Administrator.
Administrator	An Administrator can close your Account at any time.
Wells Fargo Bank, N.A.	We may close this Account and any Account you have with us for any reason at any time.

When your Account closes, you must:

Destroy any Business Credit Card(s) you have
Pay the balance that you owe us according to this Agreement’s terms, including any Purchases, Cash Advances, interest, and other charges that post to your Account after we cancel it.

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Parte 2: Realizar transacciones y otra actividad de la Cuenta

How do we manage Authorizations?

"Authorizations" are all your Account transactions, which we must first approve. We can limit how many Authorizations you receive in a specific time period (like a day, weekend, or week).

Reasons We May Deny Authorizations

We may not approve Authorizations for the following reasons:

Reason	Why We Can Deny the Authorization
Business Type	The request came from a certain type of business we do not approve, like those selling cryptocurrencies and online gambling sites.
Account Use Without Your Permission	We think someone is using your Account without your permission.
Authorization System Is Not Working	We may not be able to approve your transaction if our Authorization system is not working. This situation may happen even if your transaction does not go over your Credit Limit and your Account is in good standing. For safety, we cannot share how our Authorization system works.
Transaction Exceeds Your Credit Limit	We do not have to approve Authorizations that go over your Credit Limit. You agree that you are responsible for these transactions, including interest and other charges.
Transaction Exceeds Your Cash Credit Limit	We do not have to approve Authorizations that go over your Cash Credit Limit. You agree that you are responsible for these cash transactions, including interest, cash advance fees and other charges.

In all situations, we are not responsible if we are unable to approve an Authorization.

Managing Temporary Authorizations

We may allow temporary authorizations that are greater than your actual Purchase amount for transactions at some merchants, such as:

Car rental companies
Gas stations
Hotels
Restaurants

This temporary authorization may make less credit available on your Account for several days. This step usually happens until the date when the merchant provides the actual Purchase amount.

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¿Cómo puede obtener Adelantos en Efectivo?

Cash Advances from ATMs
You can use your Personal Identification Number (PIN) to get Cash Advances at Wells Fargo ATMs or an ATM that accepts Mastercard. You may have limits on how much and how frequently you can use your Business Credit Card for Cash Advances from ATMs. If your Account has a Cash Credit Limit, you can only get Cash Advances up to that limit. The ATM owner may also restrict how you can use it. Your Cash Advance amount will include any fees that the ATM owner charges you.
Adelantos en Efectivo para Protección contra Sobregiros
You may choose to use your Business Credit Card to provide an automatic Cash Advance to cover an overdraft on a linked Wells Fargo checking account (Overdraft Protection Advance). Overdraft Protection Advances are optional and may not be available for all checking accounts. To cover the Overdraft Protection Advance, we will advance the specific overdraft amount and apply a $25.00 minimum. If your Business Credit Card’s available credit is less than these amounts, then we will either advance the amount of your available credit or return the item unpaid.

Fees and Annual Percentage Rate (APR)

"APR" is a rate that we use to calculate interest on your Account’s balance and shows as a percentage. You can find overdraft protection APR and fees in Important Terms of Your Credit Card Account, which is a summary of your Account’s APRs, fees, and other important information.

Please note: Overdraft Protection Advances, interest, and fees may cause your Account balance to exceed your Credit Limit.

More than one person on checking account

If the checking account you link for the Overdraft Protection Advance has more than one person listed on it or with access to it, then the following applies:

You are responsible for all overdraft protection advances. This responsibility is regardless of who accesses the funds that causes the overdraft.
You agree that we can disclose to any other person on your checking account that this Business Credit Card links to it for overdraft protection.

We can cancel, suspend, or change your overdraft protection service at any time and for any reason without notifying you. These reasons include Overdraft Protection Advances that result from paying your Account or keeping a zero or negative balance in your linked checking account.

Linking Accounts

If you chose to have Consolidated Billing, then you can only link the Company Control Account for the Overdraft Protection Advance. The checking account you have determines which types of accounts you can link for this service. Some checking accounts allow you to link both a credit account and a deposit account at the same time. If this is the case, you can choose which account to advance the funds from first. If you do not choose the account, we will take money from your linked deposit account first and then from your linked credit account, if you have credit available under this Agreement.

Paying Interest Rates and Fees

Charges We Apply	Details
Interest Rates	Cash Advances may have a different interest rate than Purchases. We start applying these rates to Cash Advance balances from the date you make the transaction.
Cash Advance Fee	We charge this fee for each Cash Advance you make.

For more details on Cash Advance transaction types, refer to "Part 1 – Section 2: How can you use this Account?" and for pricing, please call the number listed on the back of your credit card.

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Can you use your Business Credit Card in a mobile app?
Yes. We may allow you and any additional cardholders to load a Business Credit Card into an app on an electronic device, such as a mobile wallet. You can then use this app to make Purchases and transactions without presenting your physical Business Credit Card.
Examples of electronic devices include smart phones, tablets, and other devices. Separate terms governing your use of your Business Credit Card through a mobile device and this Agreement cover those transactions.
When you make Business Credit Card transactions with your mobile device, third parties may use and receive information related to that device and those transactions. Examples of third parties include merchants and digital wallet operators.
- Cargos de terceros
  Es posible que terceros le cobren cargos por su transacción, como cargos por servicio de mensajería y datos del proveedor de telefonía móvil.
- Restricciones
  En cualquier momento, podremos restringir parcial o totalmente su capacidad para realizar transacciones de crédito a través de un dispositivo de terceros/móvil.
- Eliminación de la Cuenta
  You agree to promptly notify us if you remove or want to remove your Account information from any app on an electronic device. To do so, call the number on the back of your Business Credit Card.
Please note: We have no control over those devices and cannot guarantee how well they work. You also should protect the device’s security the same as you would protect your Business Credit Card or other valuable information.
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Can we transfer money to and from your Account?
Yes. You permit us to move money between your Account and other accounts. You can do so up to the available Credit Limit or Cash Credit Limit, whichever is less, if applicable. We can make transfers by receiving instructions from:
- You
- Account Guarantor(s)
- Administrator(s)
- Cardholder(s)
- Anyone you approve to request transfers, whether this approval is spoken, electronic, or in writing
We are not responsible for transfers that we believe, in good faith, that you approve. You agree to protect us from any harm, like damages or costs, if a problem exists as a result of these transfers. We treat these transfers like Cash Advances, unless we state otherwise. In addition, transfers will not earn cash-back credit or points.
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What happens if you misuse your Account in order to earn or use Rewards?
If you abuse, misuse, or game your Account in order to earn or use Rewards, or try to do so, then we may close or restrict your Business Credit Card. This misuse means that you make multiple Purchases and payments during a Billing Cycle, which causes your total Purchases amount to substantially exceed your Credit Limit. Each billing statement shows a statement closing date, which is your Billing Cycle’s last day. "Billing Cycle" means the time period between billing statements.
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How does an international transaction in foreign currency convert to U.S. dollars?
When you use your Mastercard to make a transaction in a currency other than U.S. dollars, Mastercard International (Mastercard) converts the charge into a U.S. dollar amount. Mastercard uses one of the following steps to determine the exchange rate between the transaction currency and the billing currency:
- Seleccionar un tipo de cambio del rango disponible en los mercados mayoristas de monedas para la fecha de procesamiento central aplicable. Este tipo de cambio podría variar del tipo de cambio que Mastercard reciba. O bien,
- Usar el tipo de cambio ordenado por el gobierno en vigencia para la fecha de procesamiento central aplicable.
The processing date’s currency conversion rate may differ from the rate in effect on the transaction date or the date when the transaction posts to your Account. You may also pay an extra fee for converting the currency. If you have additional questions about foreign currency conversion, please call the number listed on the back of your credit card.
Uso de conversiones de comercios
Some merchants outside of the U.S. can give you an option for how to convert the Credit Card transaction into U.S. dollars. They can have you choose whether you want Mastercard or the merchant to make the conversion. If you choose for the merchant to do it, then they determine the conversion rate, not Mastercard.
Please note: We do not charge you a foreign currency conversion fee.
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Parte 3: Comprender los cargos e intereses

¿Cuáles son los cargos de la Cuenta?

The following fees may apply to your Account, and you agree to pay them. If you would like to know the specific amount of these fees, please call the number listed on the back of your credit card.

Tipo de cargo	Cuándo cobramos este cargo
Cargo por Adelanto en Efectivo	This fee may be charged on a Cash Advance from your Account, including an advance for overdraft protection.
Cargo por Pago Atrasado	This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date.

We may charge additional fees if you and we both agree. We will add all fees to the Purchases balance, except Cash Advance fees which will be added to the Cash Advance balance on your Account.

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When do we charge interest to your Account?
- Para la mayoría de las transacciones: Cobraremos intereses a partir de la fecha en que usted realiza la transacción en su Cuenta.
- Para cargos: Cobramos intereses a partir del primer día del Ciclo de Facturación después del Ciclo de Facturación anterior en el que el cargo se registre en su Cuenta.
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¿Tiene su Cuenta un Cargo Mínimo por Intereses?
Su Cuenta podría tener un Cargo Mínimo por Intereses. "Cargo Mínimo por Intereses" significa el monto más bajo de intereses que le cobremos si usted adeuda algún interés en un Ciclo de Facturación.
For details of this charge, please call the number listed on the back of your credit card.
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What interest charges will you owe us?
The following details describe the interest you may owe each Billing Cycle. You can find details on the APRs that apply to different balances by calling the number listed on the back of your credit card.
- Promotional Rate
  If we offer you a promotional rate after you open your Business Credit Card, then you will receive the terms at that time. When any promotional rates expire, your remaining balances receive the applicable regular APR terms. For additional information, you can call the number listed on the back of your credit card.
- Tasa APR variable estándar
  A variable APR is an interest rate that varies with the market based on the Wells Fargo Prime Rate. To calculate your variable APR for each Billing Cycle, we use the Wells Fargo Prime Rate and add a margin. Please call the number listed on the back of your credit card for the margin on your Account’s Purchases, Cash Advances, and Overdraft Protection Advances.
How We Determine the Wells Fargo Prime Rate
Each Billing Cycle, we use the Wells Fargo Prime Rate, which is the rate announced by the Bank from time to time as its "Prime Rate" three business days before your billing statement’s closing date.
A change in the APR may increase or decrease the total amount of interest you pay and your Minimum Payment. If the Wells Fargo Prime Rate changes and affects your APR, the new APR will apply to both existing and future balances on the first day of your Billing Cycle. The APR will continue to vary even if you or we close your Account.
- Tasas APR Fijas
"Fixed APRs" means APRs that do not change with the market based on the Wells Fargo Prime Rate. However, if one or more Fixed APRs apply to your Account, we may change the Fixed APR from time to time. We do so by following the terms that we describe in "Part 6 – Section 1: Can we change this Agreement?" You can find the APRs that apply to your Account by calling the number listed on the back of your credit card.
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¿Cuál es su tasa periódica diaria?
La tasa periódica diaria es una tasa de interés diaria. Para calcularla, dividimos cada Tasa APR aplicable por 365.
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¿Cómo calculamos los intereses en su Cuenta?

Seguimos los pasos que se detallan a continuación para calcular los intereses de su Cuenta:

Paso 1: Calcular el saldo diario.

Calculamos su saldo diario por separado para cada categoría de transacción. Tomamos las siguientes medidas:

Comenzamos con el saldo diario desde el final del día anterior.
Sumamos todas las transacciones nuevas y otros cargos, incluidos los intereses acumulados en el saldo del día anterior (los intereses se capitalizan a diario).
Luego, restamos todo pago o abono.

Por ejemplo:

Cálculo	Monto
Saldo diario para Compras del día anterior	$1,000
Sumamos nuevas Compras	+ $500
Add Fees and interest accrued on the previous day's transaction category balance	+ $50
Subtract Payments, credits, and adjustments that posted that day	– $250
= Nuevo saldo diario para Compras	= $1300

Paso 2: Calcular el Saldo Diario Promedio (ADB, por sus siglas en inglés).
Sumamos todos los saldos diarios correspondientes al Ciclo de Facturación comenzando por el saldo inicial en el primer día del Ciclo de Facturación. Este saldo inicial incluye todos los cargos impagos desde el Ciclo de Facturación anterior y todos los cargos por pago atrasado que le cobremos durante el Ciclo de Facturación actual. Tratamos cualquier saldo diario que tenga un saldo a favor como un saldo en cero. Luego, dividimos este monto por la cantidad de días en el Ciclo de Facturación.
Por ejemplo:
Cálculo
Monto
Suma de los saldos diarios
$4,000
Dividimos por la cantidad de días del Ciclo de Facturación
÷ 30
= ADB
= $133.33
Paso 3: Calcular los intereses.
Calculamos los intereses que cobraremos por cada tipo de saldo de la siguiente manera:
1. Multiplicamos la tasa periódica diaria por el ADB.
2. Multiplicamos el total de la viñeta anterior por la cantidad de días del Ciclo de Facturación.
Por ejemplo:
Cálculo
Monto
Tasa periódica diaria
0.05%
Multiplicamos por el ADB
x 133.33
Multiplicamos por la cantidad de días del Ciclo de Facturación
x 30
= Intereses cobrados
= $2.00

Cálculo	Monto
Suma de los saldos diarios	$4,000
Dividimos por la cantidad de días del Ciclo de Facturación	÷ 30
= ADB	= $133.33

Cálculo	Monto
Tasa periódica diaria	0.05%
Multiplicamos por el ADB	x 133.33
Multiplicamos por la cantidad de días del Ciclo de Facturación	x 30
= Intereses cobrados	= $2.00

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¿Cómo puede evitar pagar intereses en su Cuenta?
You can avoid paying interest on new Purchases by paying your entire New Balance by the Payment Due Date on each Billing Cycle’s statement. However, you must always pay interest on Cash Advances and Overdraft Cash Advances.
"New Balance" means the total amount you owe by the statement’s closing date. You can find this detail on your billing statement.
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¿Cuándo aplicamos transacciones, cargos y abonos específicos en su Cuenta?
Transacciones
- Purchases: We add this amount to the Purchase balance on the transaction date that your statement shows.
- Adelanto en Efectivo: Sumamos este monto al saldo de Adelantos en Efectivo en la fecha de la transacción que se indica en su estado de cuenta.
- Adelanto de Protección contra sobregiros: Sumamos este monto al saldo de Adelantos en Efectivo en la fecha de la transacción que se indica en su estado de cuenta.
Cargos
- Cargo por Adelanto en Efectivo: Sumamos este cargo a su saldo de Adelantos en Efectivo en la fecha de la transacción que se indica en su estado de cuenta.
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Parte 4: Realizar y procesar pagos

¿Cuánto debe pagar a más tardar en la Fecha de Vencimiento del Pago?
Monto que puede pagar en cualquier momento
Usted puede pagar la totalidad o una parte del saldo de su Cuenta en cualquier momento.
Monto que debe pagar a más tardar en la Fecha de Vencimiento del Pago
Deberá realizar su Pago Mínimo a más tardar en la Fecha de Vencimiento del Pago. Puede encontrar este monto y la fecha en su estado de cuenta.
Su Pago Mínimo incluye cualquier monto atrasado más el monto que resulte mayor entre los siguientes:
- 5% of the New Balance on your billing statement plus the total we bill you during the Billing Cycle for interest and any late fees. We round your Minimum Payment amount up to the next highest whole dollar amount.
- $500 or the Account’s entire balance if the New Balance is less than $500.00
Además, deberá pagar todo monto que se encuentre sobre el Límite de Crédito de su Cuenta. Sin embargo, no incluimos este monto en su Pago Mínimo.
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How much do you need to pay for Accounts with Individual Billing?

You or Individual Cardholders must pay the Total Amount Due by the Current Payment Due Date listed on your billing statement. You can also choose to pay more than this amount at any time.

The "Total Amount Due" includes the following:

Any Current Payment Due
Any Past Due Amounts
Any payments due from a promotional balance that your promotions terms require. This payment may happen if you had a promotional rate that did not require you to repay during the promotion’s time period. When that promotion ends, the Total Amount Due will include any promotional balance that you have left and now must repay.

If you do not have any Past Due Amounts or promotional balances, then you only pay the Current Payment Due, which means the following:

Current Payment Due	What You Pay
Always included	You will pay one of the following amounts, whichever is more: The total amount of Bank Fees and Finance Charges, plus 5% of the New Balance. Read "Part 3: Understanding Fees and Interest" of this document for more details on your Account’s fees and interest. $500 If the New Balance is less than $500, you will only pay the New Balance.
Sometimes included	You may pay fees that you charge to your Account for additional products or services we provide you. If we include these fees, we will describe the amounts in the information we give you for those products and services.

Current Payment Due

What You Pay

Always included

You will pay one of the following amounts, whichever is more:

The total amount of Bank Fees and Finance Charges, plus 5% of the New Balance. Read "Part 3: Understanding Fees and Interest" of this document for more details on your Account’s fees and interest.
$500

If the New Balance is less than $500, you will only pay the New Balance.

Sometimes included

You may pay fees that you charge to your Account for additional products or services we provide you. If we include these fees, we will describe the amounts in the information we give you for those products and services.

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¿Cómo puede realizar un pago?
Deberá pagar en dólares estadounidenses con un cheque personal, giro postal o cheque de caja que emita un banco de Estados Unidos.
También puede enviarnos su pago por correo postal o pagar electrónicamente. Si realiza su pago por correo postal, envíelo a la dirección que figura en su estado de cuenta y utilice el sobre y el cupón de pago que se adjuntan (si recibe estados de cuenta impresos).
Conversiones electrónicas
Podremos convertir cheques u otros documentos en papel en una transacción electrónica. Para hacerlo, seguimos los procedimientos que establece la National Automated Clearing House Association (Asociación Nacional de la Cámara de Compensación Automatizada). Cuando se sigue este paso, conservamos una copia del cheque o documento que usted nos envía y no el original. Puede solicitar que le enviemos esta copia.
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¿Qué métodos de pago no aceptamos?

Methods	Details
We Never Allow	You cannot use the following methods to pay this Account: A Wells Fargo Bank, N.A. credit or loan account, excluding personal loans Any Wells Fargo–affiliated company credit or loan account, excluding personal loans
We May Not Allow	We may choose not to accept: Any payment from a third-party Any drafts endorsed to us Any drafts drawn by anyone other than you

Methods

Details

We Never Allow

You cannot use the following methods to pay this Account:

A Wells Fargo Bank, N.A. credit or loan account, excluding personal loans
Any Wells Fargo–affiliated company credit or loan account, excluding personal loans

We May Not Allow

We may choose not to accept:

Any payment from a third-party
Any drafts endorsed to us
Any drafts drawn by anyone other than you

Please note: Do not mail cash. You also cannot pay your Minimum Payment with credits, such as refunds for returned Purchases.

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¿Cuándo procesamos los pagos?

Cómo realiza un pago	Cuándo abonamos pagos en su Cuenta
Pagos enviados por correo postal que recibimos a más tardar a las 5:00 p.m. en la zona horaria donde los recibimos.	El día que recibimos el pago
Pagos enviados por correo postal que recibimos después de las 5:00 p.m. en la zona horaria donde los recibimos.	El día después de que recibimos el pago
Pagos electrónicos que recibimos a través de la Banca por Internet Wells Fargo Online en wellsfargo.com/es	La hora de corte que compartimos con usted cuando realiza su pago

Realizar pagos que no siguen nuestras instrucciones

Podremos abonar su pago hasta cinco días después de que lo recibamos si usted no sigue nuestras instrucciones sobre cómo realizar un pago.

Please note: We may choose to hold some of your available Credit Limit until we honor your payment.

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¿Cómo aplicamos sus pagos?
Pago Mínimo
Por lo general, procesamos su Pago Mínimo en el siguiente orden:
1. Saldos con Tasas APR más bajas (como Compras)
2. Saldos con Tasas APR más altas (como Adelantos en Efectivo)
Montos que exceden el Pago Mínimo
If you pay more than your required Minimum Payment, then we apply the excess to the higher APR balances first and then to lower ones. We do so based on the balances in your last billing statement.
Please note: If we accept payments that are less than the full amount you owe, we do not consider it as a full payment.
Other Payments
We may choose to accept the following other types of payments without losing any of our Agreement rights:
- Late payments
- Partial payments
- Post-dated checks
- Any payment with a restrictive endorsement
Please note: We will post checks when we receive them and not wait until the check’s written date.
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¿Cuándo registramos pagos en su Cuenta?
Registramos los pagos en el transcurso del Ciclo de Facturación en el que usted nos los envía.
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Can you make automatic payments?
Yes. We may allow you to pay your Account’s balance due every month with automatic payments from a bank account of your choice. You can decide if you want to pay the Last Statement Balance, Minimum Payment or Other Amount.
You can use either a business or personal bank account for these automatic payments. If you pick a personal bank account, you have to be that account’s owner. By choosing a personal bank account, you agree that we can send any important messages about these automatic payments to your preferred email or mailing address on file for your business Account. You also agree that you can access and keep these messages sent to that address.
We may stop your ability to make automated payments and/or close your Account if a scheduled payment:
- Does not go through for any reason
- Creates an Overdraft Protection Advance from your Account
We can take these steps without notifying you.
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What happens to your balance after your Account closes or defaults?
You will still have to pay your remaining balance should your Account close or default. We encourage you to pay it off as quickly as possible to minimize interest payments.
To help make this process faster, at any time, we may do the following:
1. Set the Current Payment Due amount to stay the same until you pay off your balance ("fixed amount").
2. Reduce your required payment once your New Balance becomes less than the fixed amount. Your statement will show this amount.
To make this decision, we will compare the fixed amount to the standard Current Payment Due calculation. You will then pay whichever of these two amounts is more.
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Parte 5: Administrar detalles de contacto y su información
1. ¿Cómo podremos comunicarnos con usted?
  Usted conviene en que tenemos su consentimiento para comunicarnos con usted de cualquiera de las siguientes maneras:
  - Contact information you provide us for any account:
    - Email address
    - Mailing address
    - Phone number
  - Any number you contact us from
  - Any number that we obtain in any other way
  If you gave us a phone number, you agree that you own or are authorized to give us that number. You also agree that you will cover the costs, expenses, and reasonable attorney fees we have to pay as a result of trying to contact you at the number(s).
  By agreeing that we can contact you, you allow us and any companies working on our behalf who service your Account to contact you in any way, including:
  - The use of any automated system for selecting, dialing, or storing telephone numbers
  - Calls to cell, mobile, or wireless phone numbers
  - Email
  - Mail
  - Prerecorded or artificial voice messages
  - Push notifications
  - Text or SMS messages
  - Any other data or voice transmission technology
  You are responsible to pay any service provider charges that result from us contacting you in any way. These charges include but are not limited to:
  - Data
  - Equipment
  - Text
  - Or other plans
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2. Can we check credit reports about you and your business?
  Yes. We can check credit reports for you and your business anytime. You agree to provide updated financial information for you and the business whenever we ask.
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3. ¿Podemos verificar su información de crédito más de una vez?
  Sí. En cualquier momento, podemos revisar cualquier información que usted haya proporcionado en su solicitud de crédito.
  Esta revisión podría incluir:
  - Solicitar informes de las agencias de información crediticia
  - Verificar su situación crediticia actual
  - Verifying your business organization, assets, and income records
  We will use this information to decide if you and your business are still creditworthy. You also let the bank use and share this information with our partner companies to know whether you and your business qualify for other products and services.
  If your or your business’s creditworthiness changes negatively, we can close your Account and reduce your credit limit. You agree that we can share with other companies about our experiences with your and the business’s accounts.
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4. ¿Podemos monitorear las llamadas telefónicas entre usted y nosotros?
  Sí. Podremos monitorear y grabar cualquier llamada telefónica que nos haga.
  Además, podremos usar tecnología de reconocimiento de voz para verificar su identidad cuando usted nos llame. Podremos captar y almacenar su impresión vocal para este fin.
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5. What information can we report about you to the Small Business Financial Exchange (SBFE) credit bureau?
  We may report the following information about you to the SBFE:
  - The name of you, your business, and your Account Guarantor(s)
  - Historial de la Cuenta
  - Rendimiento de la Cuenta
  - Estado de la Cuenta
  - Violaciones de la Cuenta
  - Violaciones de los términos del contrato
  These reports about your business and the Account Guarantor(s) may reflect any of your late payments, missed payments, or other Account(s) defaults.
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6. What should you do if your business or contact information changes?
  You must promptly contact us if you change any of the business or contact information you provided us. This information includes your:
  Nombre
  Business ownership
  Account Guarantor(s)
  Dirección postal
  Direcciones de correo electrónico
  Números de teléfono
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7. When should you inform a merchant about changes to your Business Credit Card information?
  You may choose to give a merchant your Business Credit Card information to bill your account for recurring payments or to keep it on file for future Purchases or payments. If your Business Credit Card’s number, expiration date, or security code changes, contact the merchant with your new Business Credit Card information.
  Some card networks provide update services and receive updated Business Credit Card information from Wells Fargo. Merchants that participate in these services will receive updated Business Credit Card information from the network for credit cards that you have provided them. We cannot tell you which merchant will receive these updates. Some merchants do not subscribe to such network services, so you should always provide each merchant with your new Business Credit Card information.
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Parte 6: Conocer los términos legales de la Cuenta
1. ¿Podemos cambiar este Contrato?
  Yes. We may change this Agreement at any time. These changes may apply to existing and future balances. We will notify you ahead of time in writing of any changes through mail or email, depending on your preference. If you receive online statements, we may send you an email. We can use the most recent contact information that we have on file for you.
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2. ¿Qué sucede si alguna parte de este Contrato no es ejecutable?
  Si alguna parte de este Contrato no es ejecutable, todas las otras disposiciones del Contrato permanecerán en vigencia.
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3. ¿Pueden cambiar nuestros derechos en virtud del Contrato?
  No. Podremos renunciar a la ejecución de cualquiera de nuestros derechos o demorar dicha ejecución, sin perderlos. Una sentencia de divorcio o de separación o un acuerdo a no litigar no afecta ninguno de nuestros derechos para hacer valer este Contrato.
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4. ¿Cuál es la ley que rige este Contrato?
  Federal law and South Dakota laws govern this Agreement, your Account, and the Account Guarantor(s)’ personal responsibility of any money you owe on the Account.
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5. Who can assign your Agreement to others?
  Usted no puede ceder su Cuenta ni ninguna de sus obligaciones en virtud del Contrato.
  
  Nosotros podremos ceder su Cuenta y todos o cualquiera de los derechos y obligaciones en virtud de este Contrato a un tercero.
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6. What is the process for bringing a lawsuit against us?
  If you bring a lawsuit against us for any reason, you must do so within one year from when the problem started. If you wait longer, you cannot file the lawsuit. This rule applies to different types of lawsuits, such as if there was harm, a contract problem, or another valid reason that you and we agree on.
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7. What is our lien and right of set-off?
  Under South Dakota law, we can take hold of property you own if you do not pay what you owe us. If this happens, we can use the money you have with us to cover what you owe. This includes any money you have in any bank account with us.
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8. What is our right in enforcing personal guaranty?
  By signing as an Account Guarantor and by using this Account, you give up certain rights. You agree that the bank does not have to:
  - Proceed against your business or anyone else before proceeding against the Account Guarantor(s)
  - Collect or use the property or assets that you or someone else holds as security
  - Tell you about any sale of a property that we hold from you or another person as security before taking action
  - Take any action or remedy in our power
  - Ask for, request, object to, notify about an objection, or notify about missed payments that relate to any money you owe or any proof of debt we hold as security for the guaranteed debt
  An Account Guarantor also:
  - Waives any defenses that relate to any defense by you or others
  - Cannot require us to tell them about changes in additional debt you have or any
  - Allows us to make changes to the terms of the Account’s debt responsibility without notifying them or you
  - Permits us to take and manage security for the debt
  - Allows us to decide how to sell any property we use as security, including any non-judicial sale that the controlling security agreement allows
  - Allows us to decide how we apply payments, even if laws state otherwise
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9. Equal Credit Opportunity Act (ECOA) Notice
  ECOA Notice
  The Federal Equal Credit Opportunity Act ("ECOA") prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all, or part of the applicant’s income is derived from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning Wells Fargo Bank N.A. is the Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
  ECOA Information
  If any application for additional business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact Wells Fargo Business Card – Credit Services, P.O Box 40310, Mesa, AZ 85274 or call 1-833-728-1691, within 60 days from the date you are notified of our decision. We will send you a written statement of reasons for the denial within 30 days of receiving your request for the statement.
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10. Programa de Resolución de Disputas: Acuerdo de Arbitraje
  1. Renuncia a demandas formuladas como acción colectiva y renuncia a juicio por jurado. Usted y Wells Fargo Bank, N.A., (el "Banco") convienen en que cualquier proceso, ya sea en un arbitraje o en un tribunal, se llevará a cabo solo de forma individual y no como una demanda formulada como acción colectiva, conjunta, consolidada, mediante un fiscal general privado o por medio de representantes. Usted y el Banco convienen en renunciar a cualquier derecho de iniciar dicha demanda en un arbitraje o en un tribunal, o de participar en ella, en la medida máxima permitida por la ley aplicable. No obstante lo antes expuesto, las partes conservan el derecho de participar en un acuerdo de conciliación en torno a una demanda formulada como acción colectiva.
  2. Arbitraje Obligatorio. Usted y el Banco convienen en que, si surge una Disputa entre usted y el Banco y, si así lo requieren usted o el Banco, la Disputa se resolverá mediante el siguiente proceso de arbitraje. No obstante lo antes expuesto, el Banco no iniciará un arbitraje para cobrar una deuda de consumidores, pero se reserva el derecho de llevar a arbitraje todas las otras disputas con sus clientes consumidores. El árbitro es quien decidirá sobre todos los problemas, con la salvedad de que un tribunal con jurisdicción competente deberá decidir sobre los problemas relacionados con el alcance y la fuerza ejecutiva del Acuerdo de Arbitraje o si una Disputa puede o debe ser sometida a arbitraje. Una "Disputa" es cualquier desacuerdo entre usted y el Banco que no se haya resuelto. Esto incluye cualquier desacuerdo vinculado de cualquier forma con la Cuenta o servicios, Cuentas o asuntos relacionados; con su uso de cualquiera de los establecimientos o las sucursales bancarias del Banco o con cualquier medio que usted pueda usar para acceder al Banco. Incluye reclamos basados en promesas o contratos incumplidos, agravios civiles u otras acciones ilegítimas. Además, incluye los reclamos establecidos por la ley, por el derecho común y por el derecho de equidad. Una Disputa también incluye cualquier desacuerdo con respecto al significado o la aplicación de este Acuerdo de Arbitraje. USTED ENTIENDE Y CONVIENE EN QUE TANTO USTED COMO EL BANCO RENUNCIAN AL DERECHO A UN JUICIO POR JURADO O A UN JUICIO ANTE UN JUEZ EN UN TRIBUNAL PÚBLICO. Como única excepción a este Acuerdo de Arbitraje, usted y el Banco conservan el derecho de presentar ante un tribunal de reclamos de menor cuantía cualquier Disputa que esté comprendida dentro de la jurisdicción de dicho tribunal. Cualquier desacuerdo sobre si una Disputa califica para un tribunal de reclamos de menor cuantía será resuelto por el tribunal de reclamos de menor cuantía en primera instancia y, de lo contrario, por un tribunal con jurisdicción competente, y cualquier arbitraje quedará pendiente a la espera de dicha resolución. Si usted o el Banco no se someten al arbitraje obligatorio después de formulada una demanda legítima, la parte que incumpla será responsable de todos los costos y gastos incurridos por la otra parte al hacer valer el arbitraje. El arbitraje se realizará en el estado donde usted resida.
  3. Procedimiento de Arbitraje. Usted o el Banco podrán someter, en cualquier momento, una Disputa a arbitraje obligatorio, no obstante se haya presentado una demanda o iniciado otro proceso anteriormente. La parte que inicia el arbitraje debe incluir en la demanda de arbitraje toda la información que se indica a continuación: (i) el nombre, la dirección, el número de teléfono y la dirección de correo electrónico del demandante; (ii) el nombre del titular de cuenta correspondiente (si no es el demandante) y el número de Cuenta; (iii) información suficiente como para identificar cualquier transacción en cuestión, incluida la fecha y el lugar de dicha transacción, si corresponde; (iv) una descripción detallada de la naturaleza y la base de los reclamos alegados; y (v) una descripción detallada de la naturaleza y la base del resarcimiento pretendido, incluido un cálculo de este. La demanda debe estar firmada en persona por la parte que inicia el arbitraje (y por un abogado si el demandante tiene representación). Al presentar una demanda de arbitraje, el demandante (y, el abogado, si el demandante tiene representación) declaran que, al igual que en el tribunal, cumplen con los requisitos de la Regla Federal de Procedimiento Civil 11(b). El árbitro está autorizado a imponer cualquier sanción disponible en virtud de la Regla Federal de Procedimiento Civil 11 a las partes representadas y a sus abogados. Si el árbitro considera que la corroboración de su reclamo o del reclamo del Banco, o el resarcimiento pretendido, eran insustanciales o se presentaron con un fin indebido (según las normas expuestas en la Regla Federal de Procedimiento Civil 11(b)), entonces el Banco o usted también podrán solicitar el reembolso de los honorarios correspondientes. Usted o el Banco podrán solicitar que el arbitraje se lleve a cabo mediante una audiencia por video o en persona, o a través de presentaciones escritas, salvo en el caso de cualquier disputa en la que se soliciten $10,000 o más, o un mandato judicial, que se llevará a cabo mediante una audiencia por video o en persona, a menos que las partes convengan en lo contrario. Cualquier audiencia en persona se llevará a cabo en el condado o la parroquia en que usted reside o en otra ubicación mutuamente convenida. Usted y un representante del Banco comparecerán personalmente ante cualquier audiencia (con un abogado, si tienen representación).
  4. Reglas de Arbitraje. Cada arbitraje, incluida la selección del (de los) árbitro(s), será administrado por la Asociación Americana de Arbitraje (AAA, por sus siglas en inglés) u otro administrador que usted y el Banco escojan de mutuo acuerdo (se hará referencia de aquí en adelante a la AAA o al administrador que se escoja de mutuo acuerdo como el "Administrador del Arbitraje"), de acuerdo con las Reglas de Arbitraje Comercial y los Procedimientos Suplementarios para Disputas Relacionadas con el Consumidor (las "Reglas de la AAA"). Si existe alguna diferencia entre las Reglas de la AAA y este Acuerdo de Arbitraje, se aplicará este Acuerdo de Arbitraje. Si la AAA no está disponible o no está dispuesta a administrar un arbitraje consistente con este Acuerdo de Arbitraje, las partes convendrán en designar un administrador alternativo que lo haga. Si las partes no pueden convenir en ello, deberán solicitar conjuntamente a un tribunal con jurisdicción competente que designe un administrador que lo haga. El (los) árbitro(s) debe(n) ser miembro(s) del colegio de abogados del estado donde se lleve a cabo el arbitraje, con especialización en el derecho sustantivo pertinente al tema de la Disputa. Usted y el Banco (las "Partes") convienen en que en esta relación: (1) Las Partes están participando en transacciones que involucran el comercio interestatal y (2) Este Acuerdo de Arbitraje y cualquier arbitraje resultante se regirán por las disposiciones de la Federal Arbitration Act [Ley Federal de Arbitraje] (Título 9 del Código de Estados Unidos) y, en la medida en que cualquier disposición de esa Ley sea inaplicable, no ejecutable o no válida, por las leyes del estado de Dakota del Sur.
  5. Divisibilidad. NI USTED NI EL BANCO TENDRÁN DERECHO A UNIR O CONSOLIDAR DISPUTAS DE TERCEROS O CONTRA TERCEROS EN UN ARBITRAJE, NI A INCLUIR EN UN ARBITRAJE ALGUNA DISPUTA FORMULADA EN CALIDAD DE REPRESENTANTE O INTEGRANTE DE UNA DEMANDA COLECTIVA, NI A ACTUAR EN UN ARBITRAJE EN INTERÉS DEL PÚBLICO GENERAL O EN CALIDAD DE FISCAL GENERAL PRIVADO. Si se determina que alguna disposición de este Acuerdo de Arbitraje que trata sobre una demanda formulada como acción colectiva, arbitrajes colectivos, acciones presentadas por un fiscal general privado, otra acción representativa, unión o consolidación es ilegal o no ejecutable, dicha disposición no válida no se podrá separar del conjunto y este Acuerdo de Arbitraje será no ejecutable en su totalidad.
  6. Conservación de derechos. Este Acuerdo de Arbitraje no prohíbe a las Partes el ejercicio de cualquier derecho legítimo o el uso de cualquier otro recurso disponible para conservar, ejecutar u obtener posesión de bienes inmuebles o bienes muebles, ejercer recursos de autoayuda u obtener recursos provisionales o auxiliares, tales como mandato judicial, secuestro de bienes, embargo de bienes en posesión de terceros o el nombramiento de un síndico por parte de un tribunal con jurisdicción competente. Toda ley de prescripción aplicable a una Disputa se aplica a todo arbitraje entre las Partes. Este Acuerdo de Arbitraje continuará en vigencia luego del pago, la terminación, la modificación o el vencimiento de la Cuenta o de cualquier otra relación entre usted y el Banco.
  7. Fees and Expenses of Arbitration. Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the state in which you opened your Account limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall exceed this limitation. Bank will pay any costs that are required to be paid by it under the Arbitration Administrator’s rules and procedures, and subject to applicable law. If the arbitrator rules in your favor on any claim presented, the Bank will reimburse you for arbitration filing fees you have paid up to $700.00. Unless applicable law states otherwise, each party will pay their own attorney, expert, and witness fees. This rule applies no matter which party wins arbitration.
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11. Sus derechos en relación con la facturación
  Keep This Notice For Future Use.
  What To Do If You Find a Mistake On Your Statement. If you think there is an error on your statement, write to us at:
  Wells Fargo Card Services
  P.O. Box 9262
  Des Moines, IA 50306
  En su carta, proporciónenos la siguiente información:
  - Your name, business name and Account number;
  - The date and dollar amount of the suspected error;
  - Si cree que hay un error en su cuenta, describa lo que cree que está mal y por qué cree que es un error.
  You can also contact us at the phone number listed on the back of your card.
  Debe comunicarse con nosotros:
  - En el transcurso de 60 días después de que haya aparecido el error en su estado de cuenta.
  - Por lo menos 3 días laborables antes de que se programe un pago automatizado si desea suspender un pago respecto del monto que cree que es erróneo.
  Debe notificarnos por escrito sobre cualquier posible error a la dirección indicada arriba. Podrá notificarnos por cualquier otro medio (incluso llamarnos al número de teléfono que aparece en el frente de su estado de cuenta), pero si lo hace, no estamos obligados a investigar cualquier posible error, y es probable que usted deba pagar el monto en cuestión.
  Qué sucederá después de que recibamos su carta.
  En cuanto recibamos su carta, tendremos que tomar dos medidas:
  1. En el transcurso de los 30 días posteriores a la recepción de su carta, debemos informarle que la hemos recibido. También le informaremos si ya hemos corregido el error.
  2. En el transcurso de los 90 días posteriores a la recepción de su carta, debemos corregir el error o explicarle por qué consideramos que la cuenta es correcta.
  Mientras investigamos si ha habido un error o no:
  - No podemos intentar cobrar el monto en cuestión ni reportar que usted se encuentra en mora respecto de ese monto.
  - El cargo en cuestión podrá permanecer en su estado de cuenta, y nosotros podremos seguir cobrándole intereses sobre ese monto.
  - Aunque no tenga que pagar el monto en cuestión, usted es responsable del monto restante de su saldo.
  - Podemos aplicar cualquier monto impago en función de su Límite de Crédito.
  Después de que finalicemos nuestra investigación, sucederá alguno de estos dos hechos:
  - Si cometimos un error: usted no tendrá que pagar el monto en cuestión ni los intereses u otros cargos en relación con ese monto.
  - If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe, and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
  Si recibe nuestra explicación, pero sigue considerando que la cuenta es incorrecta, debe escribirnos en el transcurso de 10 días e indicarnos que sigue negándose a pagar. Si lo hace, no podremos reportar que usted se encuentra en mora sin reportar también que usted está cuestionando su cuenta. Debemos decirle el nombre de cualquier tercero a quien le hayamos reportado que usted se encuentra en mora, y debemos informarles a esas organizaciones cuando el asunto se haya resuelto entre nosotros. Si no cumplimos con todas las reglas arriba mencionadas, usted no tendrá que pagar el monto en cuestión, incluso si la cuenta es correcta.
  Sus derechos si no está satisfecho con sus compras con Tarjeta de Crédito. Si no está satisfecho con los bienes o servicios que ha comprado con su tarjeta de crédito y ha intentado corregir de buena fe el problema con el comercio, usted podrá tener derecho a no pagar el monto restante adeudado de la Compra.
  Para ejercer este derecho, todos los siguientes enunciados deben ser ciertos:
  1. The Purchase must have been made in your home state or within 100 miles of your current business mailing address, and the Purchase price must have been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
  2. Usted debe haber utilizado su tarjeta de crédito para la Compra. No califican las Compras realizadas con Adelantos en Efectivo de un ATM, ni con un cheque con acceso a su Cuenta de tarjeta de crédito.
  3. No debe haber pagado todavía la Compra en su totalidad.
  If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
  Wells Fargo Card Services
  P.O. Box 9262
  Des Moines, IA 50306
  Mientras investigamos, se aplican las mismas reglas para el monto en disputa arriba mencionadas. Después de finalizar nuestra investigación, le comunicaremos nuestra decisión. En ese momento, si pensamos que usted adeuda un monto y no lo paga, podremos reportar que usted se encuentra en mora.
  vuelva al comienzo

Wells Fargo Business Customer Service

1-800-231-5511

We accept all relay calls, including 711.

M-141197 (12/25)

LS10173

DT1-02052027-12-8795960-1.1

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Signify Business Elite Credit Card Customer Agreement

Wells Fargo Signify Business Elite® Card Account AgreementBusiness Credit Card Customer Agreement and Disclosure Statement

Table of Contents

Parte 1: Uso de Su Cuenta

Parte 2: Realizar transacciones y otra actividad de la Cuenta

Parte 3: Comprender los cargos e intereses

Parte 4: Realizar y procesar pagos

Parte 5: Administrar detalles de contacto y su información

Parte 6: Conocer los términos legales de la Cuenta

Parte 1: Uso de Su Cuenta

¿En qué consiste este contrato?

¿Cómo puede usar esta Cuenta?

Knowing Your Responsibility to Pay

¿Podemos limitar el uso que usted haga de la Cuenta?

¿Qué es su Límite de Crédito?

¿Qué sucede si excede su Límite de Crédito disponible?

Who can you assign to your Account?

How do we manage your Account’s billing?

Will you receive a monthly billing statement?

¿Qué puede ocasionar que su Cuenta se encuentre en situación de incumplimiento?

Pagar nuestros costos cuando su Cuenta se encuentre en situación de incumplimiento

¿Qué debe hacer si pierde o le roban su Tarjeta de Crédito o si su Cuenta está en riesgo?

Investigaciones y responsabilidad por uso no autorizado y protección de Cero Responsabilidad

¿Quién puede cerrar su Cuenta?

Parte 2: Realizar transacciones y otra actividad de la Cuenta

How do we manage Authorizations?

¿Cómo puede obtener Adelantos en Efectivo?

Can you use your Business Credit Card in a mobile app?

Can we transfer money to and from your Account?

What happens if you misuse your Account in order to earn or use Rewards?

How does an international transaction in foreign currency convert to U.S. dollars?

Uso de conversiones de comercios

Parte 3: Comprender los cargos e intereses

¿Cuáles son los cargos de la Cuenta?

When do we charge interest to your Account?

¿Tiene su Cuenta un Cargo Mínimo por Intereses?

What interest charges will you owe us?

How We Determine the Wells Fargo Prime Rate

¿Cuál es su tasa periódica diaria?

¿Cómo calculamos los intereses en su Cuenta?

¿Cómo puede evitar pagar intereses en su Cuenta?

¿Cuándo aplicamos transacciones, cargos y abonos específicos en su Cuenta?

Transacciones

Cargos

Parte 4: Realizar y procesar pagos

¿Cuánto debe pagar a más tardar en la Fecha de Vencimiento del Pago?

Monto que puede pagar en cualquier momento

Monto que debe pagar a más tardar en la Fecha de Vencimiento del Pago

How much do you need to pay for Accounts with Individual Billing?

¿Cómo puede realizar un pago?

Conversiones electrónicas

¿Qué métodos de pago no aceptamos?

¿Cuándo procesamos los pagos?

Realizar pagos que no siguen nuestras instrucciones

¿Cómo aplicamos sus pagos?

Pago Mínimo

Montos que exceden el Pago Mínimo

¿Cuándo registramos pagos en su Cuenta?

Can you make automatic payments?

What happens to your balance after your Account closes or defaults?

Parte 5: Administrar detalles de contacto y su información

¿Cómo podremos comunicarnos con usted?

Can we check credit reports about you and your business?

¿Podemos verificar su información de crédito más de una vez?

¿Podemos monitorear las llamadas telefónicas entre usted y nosotros?

What information can we report about you to the Small Business Financial Exchange (SBFE) credit bureau?

What should you do if your business or contact information changes?

When should you inform a merchant about changes to your Business Credit Card information?

Parte 6: Conocer los términos legales de la Cuenta

¿Podemos cambiar este Contrato?

¿Qué sucede si alguna parte de este Contrato no es ejecutable?

¿Pueden cambiar nuestros derechos en virtud del Contrato?

¿Cuál es la ley que rige este Contrato?

Who can assign your Agreement to others?

What is the process for bringing a lawsuit against us?

What is our lien and right of set-off?

What is our right in enforcing personal guaranty?

Equal Credit Opportunity Act (ECOA) Notice

Wells Fargo Signify Business Elite^® Card Account Agreement
Business Credit Card Customer Agreement and Disclosure Statement