Wells Fargo Active Cash^SM Credit Card Terms and Conditions

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Summary of the Wells Fargo Rewards^® Program Terms and Conditions and Addendum for the Wells Fargo Active Cash Visa^® Card

Effective: March 18, 2023

1. In this summary, You will find the following terms:

   • "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its Wells Fargo Rewards^® ("Program"), according to Our records.
   • "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A.

   Additional Defined Terms

   Addendums	Addendums go with these Program Terms and Conditions and give specific Terms and Conditions for Your Wells Fargo rewards-based Credit Card. The Addendum may also address Rewards expiration and forfeiture,and annual earning maximums.
   Credit Card	An eligible Wells Fargo Credit Card that participates in the Wells Fargo Rewards Program.
   Rewards Account	An account within the Rewards Program that holds, calculates and/or collects Rewards.
   Rewards	The following items that You can earn by participating in the Program: Cash Rewards (including Rebates which will be earned as Cash Rewards) Points

2. The Program Terms and Conditions and Addendum(s) represent the Program’s complete terms (collectively "Terms"), including any additional terms and conditions that We reference within these Terms and any promotional terms and conditions for earning bonus Rewards. This Program is not available for products, promotions, or offers unless specifically allowed.  Rewards only have cash value when You redeem them.
3. By participating in this Program, You agree to these Terms and acknowledge that You must also consent to certain agreements for online use of Your account.
4. You can earn unlimited Cash Rewards, unless We tell You otherwise.  You earn two cents ($0.02) Cash Rewards for every $1 You spend with this Credit Card for net purchases (purchases minus returns/credits). We round the amount to the nearest one cent. You may also earn bonus Cash Rewards for promotions or offers connected to Your Credit Card account. We will let You know the terms and conditions for earning bonus Cash Rewards when We have a promotion or offer for Your Credit Card. There may be a limit on bonus Cash Rewards.
5. You do not earn Cash Rewards on some transactions.  Examples of transactions which do not earn Cash Rewards:

   Cash Advances and Equivalents of Any Kind	ATM transactions, cash advances, traveler’s checks, money orders, pre-paid gift cards, wire transfers
   Balance Transfers	Balance Transfers, SUPERCHECKSTM
   Disputes, Illegal Actions, and Violations	Disputed or illegal purchases, purchases that violate the terms of Your Credit Card account agreement or the Wells Fargo Rewards Program Terms and Conditions or Addendum
   Fees and Interest of Any Kind	Fees or interest posted to Your Credit Card account such as returned payment fees, late fees, monthly or annual fees
   Gambling Transactions of Any Kind	Bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers

6. If You return a purchase or get a credit from a disputed purchase, these situations may reduce or eliminate Cash Rewards You have earned and may cause a negative Cash Rewards balance. Deducted Cash Rewards will appear in Your Rewards Account in 1 to 2 billing periods.
7. Cash Rewards do not expire while this Credit Card account is open.
8. You can earn Rewards in a variety of ways, including purchases made with Your Credit Card at qualifying merchants, other promotions or offers, or through transfers or gifts.
9. You can redeem Your Rewards for a variety of uses that include cash redemption options, charitable donations, merchandise, physical and electronic gift cards, or travel.
10. Manual redemptions made by phone or online are redeemable in $0.01/1 Point increments. Automatic or paper check redemptions made online or by phone are redeemable in $25/2,500 Point increments only and can be done either by automatically applying it to Your eligible Wells Fargo Checking or Savings accounts, or Wells Fargo credit products that are qualified to receive cash redemptions, or by requesting a paper check. Point redemptions via a withdrawal from a Wells Fargo ATM or a Rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in $20/2,000 Point increments only. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM.
11. We can change the Terms and change, suspend, or terminate any part of the Program at any time and for any reason. These changes may prevent You from earning and/or using Rewards, decrease Rewards value, or cause You to lose Rewards. We will notify You in advance in writing when We make material changes to Your Terms or Program. You must redeem Your Rewards within three months from the date We notify You of the discontinuation. You will lose any unredeemed Rewards remaining after the three-month period.
12. We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. We will suspend or disqualify You from the Program if You violate these Terms or Your Credit Card terms and conditions, engage in fraud or suspected fraud or someone associated with Your account does so, misuse or gaming the Program or if You take another similar action, according to Us in Our sole discretion. If We suspend or cancel Your Program, this action may prevent You from earning and/or using Rewards, decrease Rewards value, cause You to lose Rewards, and/or require Us to close Your Credit Card.
13. A Credit Card becomes delinquent when You do not make a required payment by its due date. When this happens, Your ability to earn and redeem Rewards changes until the Credit Card is not delinquent or closes.  The Rewards associated with that Credit Card are not available for redemption, transfer or gifting.
14. If You want to cancel Wells Fargo Rewards, You must close Your Credit Card account. If the Credit Card that closes is the last Credit Card in Your Rewards Account any Rewards Pending or Rewards in Your Rewards Account on the date the Account closed will be forfeited except as provided for in the Wells Fargo Rewards Program Terms and Conditions. If You have multiple Credit Cards tied to Your Rewards Account and You close one of the Credit Cards, Your Rewards will remain in Your Reward Account.
15. These Terms are only a summary. Other restrictions and requirements apply. The full Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Active Cash Visa^® Card will be provided upon enrollment. You can also find the most current Wells Fargo Rewards Program Terms and Conditions online at wellsfargo.com/rewardsterms.