Wells Fargo Financial National Bank

A guide to reading your statement

The statement shown is general and for illustrative purposes only. Your actual statement may
look slightly different depending on your credit card product.

Billing Cycle
Reflects the dates your statement covers.
Need help?
Issued by Wells Fargo Financial National Bank Account Number XXXX XXXX XXXX XXXX Visit us at wellsfargo.com/cardholders
We’re available to answer your call Monday – Friday, Billing Cycle mm/dd/ccyy to mm/dd/ccyy Customer Service: 1-800-459-8451
Monday-Friday, 8 a.m.-6 p.m. CT
8:00 a.m. – 6:00 p.m., Central Time, or you can get 1
24 Hour Automated Service

Summary of Account Activity Payment Information

answers on our website 24/7. Previous Balance $0.00 New Balance $0.00
Payments -$0.00 Minimum Payment Due $0.00

Summary of Account Activity

Other Credits -$0.00 Payment Due Date mm/dd/ccyy
Purchases/Debits +$0.00 Urgent! Special Term(s) expiring - see
Fees Charged +$0.00 Special Terms Expiration Alert(s)
A summary of all your account activity during the Interest Charged +$0.00 Late Payment Warning: If we do not receive your minimum payment by
the Payment Due Date listed above, you may have to pay up to a $XX.XX
New Balance $0.00
billing cycle, including any payments, purchases, Credit Limit $0.00
late fee.
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
interest, and fees. Available Credit
Statement Closing Date
$0.00
mm/dd/ccyy
pay off your balance. For example:
If you make no You will pay off the And you will end

Payment Information
Days in Billing Cycle 31 additional charges using balance shown on up paying an
this card and each this statement in estimated total
month you pay… about… of…
View your minimum payment due this month, Only the minimum
X years $0.00
payment
your due date, and the impact of paying only your $0.00 3 years $0.00
(Savings = $0.00)
minimum payment each month. For information about Credit Counseling and Debt Management
Services, please call 1-877-285-2108, or go online:
www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
Special Term(s) expiring To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau at:
http://www.consumerfinance.gov/learnmore

One or more No Interest if Paid in Full balance(s) Important Information

is about to expire.
**SPECIAL TERMS EXPIRATION ALERT(S)**

Transaction Summary To avoid paying Deferred Interest Charge(s), you must pay $000.00 by the Special Terms End Date. This amount includes the Minimum Payment Due, which
must be paid by mm/dd/ccyy to avoid a late fee.

View your purchases, other transaction activity, and Type of Balance Special Terms
End Date
Deferred
Interest Charge
Special Terms
Balance

payments listed in order of transaction date. You’ll also NO INT IF PD IN FULL W/PMT mm/dd/ccyy $0.00 $0.00

see a total for fees and interest charged for this billing
Transaction Summary
Reference Number Trans Date Post Date Description of Transaction or Credit Amount

cycle as well as year-to-date. 200001485

200001485
48902229102
48903857201
mm/dd/ccyy
mm/dd/ccyy
mm/dd/ccyy
mm/dd/ccyy
Merchant Name, City and State
Merchant Name, City and State
$0.00
$0.00

Special Terms Calculation

Fees
mm/dd/ccyy mm/dd/ccyy LATE FEE $0.00

A message to remind you of your special terms

TOTAL FEES FOR THIS PERIOD $0.00
Interest Charged

promotions that have expiration dates. If you do

mm/dd/ccyy mm/dd/ccyy INTEREST CHARGE ON PURCHASES $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00

not pay off your expiring No Interest if Paid in Full ccyy Totals Year-to-Date
Total fees charged in ccyy $0.00
balance(s) in full by the Specials Terms End Date(s), Total interest charged in ccyy $0.00

deferred interest will be charged from the purchase To pay your bill and manage your account online, sign up for Wells Fargo Online® at wellsfargo.com/cardholders. If you use a bill payment service other than
Wells Fargo Online to make payments with us, we are not responsible for the accuracy and timeliness of your online bill payments.
date and added to your balance. You may also pay by phone using your bank routing and checking account number by calling 24 hours 1-800-459-8451.
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

Special Terms End Date

5685 0001 JUJ 1 7 7 111111 0 I D PAGE X of X 10 5843 0240 AC05 01AA5685 45373
Please return bottom portion with your payment. We must receive payment by the due date. Do not send cash. Retain upper portion for your records.
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Program Name Account # XXXX XXXX XXXX XXXX
The date that your special terms promotion ends. WELLS FARGO FINANCIAL NATIONAL BANK
CLIENT PROCESSING. MAC N0003-04E
New Balance
Minimum Payment Due
$0.00
$0.00
800 WALNUT STREET Payment Due Date mm/dd/ccyy
Deferred Interest Charge DES MOINES
IssuedIAby50309
Wells Fargo Financial National Bank Urgent!inSpecial
Account Ending XXXX Term(s) expiring - see
Special Terms
Billing Cycle mm/dd/ccyy Expiration Alert(s)
to mm/dd/ccyy
Visit us at wellsfargo.com/cardholders
Customer Service: 1-800-459-8451

The amount of interest that has accrued in total from Please Print Address and/or Phone Number Changes Below:
Amount
$
Monday-Friday, 8 a.m.-6 p.m. CT
24 Hour Automated Service
Enclosed
the original purchase date for No Interest if Paid in Address , .
Special Terms Calculation
City To avoid paying Deferred Interest
State Charge(s), you mustZip pay your Special Terms Balance in full by the Special Terms End Date.
Full balances. ( ) Your Annual Percentage Rate
Type of Balance
Home Phone
( (APR) ) is the annual interest rate on your account.
Work Phone Transaction Special Terms MakeAnnual
checks payable to: Balance Deferred Special
Date End Date Percentage Subject to Interest Terms

Interest Charge Calculation NONAME

INT IF PD IN FULL W/PMT mm/dd/ccyy mm/dd/ccyy
Rate (APR)
27.99%
Deferred Interest
(v) FINANCIAL NATIONAL $0.00 $0.00 $0.00
Charge Balance

CUSTOMER WELLS FARGO BANK

Lists each type of balance (i.e., regular, special terms, ADDRESS LINE 1
(v) = Variable Rate
ADDRESS LINE 2
P.O. BOX 660431
DALLAS TX 75266-0431

etc.) and applicable balance, and interest charge for See reverse
CITY, STATE ZIP side of the second page for an explanation
explanation of how to avoid additional interest charges.
of how the Balance Subject to Deferred Interest for each Type of Balance was computed and an

Barcode Barcode
each type of balance. Interest Charge Calculation
00000000000000000000000000000000000000001234567
Your Annual Percentage Rate (APR) is the annual interest rate on your account.

Annual Percentage Rate

Type of Balance Transaction Special Terms Annual Balance Interest Balance
Date End Date Percentage Subject to Charge
Rate (APR) Interest Rate
The annual percentage rate used to calculate the REGULAR N/A N/A 27.99% (v) $0.00 $0.00 $0.00

Interest Charge(s) for each type of balance. NO INT W/EQUAL PYMT

SPECIAL RATE
mm/dd/ccyy
mm/dd/ccyy
mm/dd/ccyy
N/A
00.00%
15.99%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
(v) = Variable Rate
See reverse side of the second page for an explanation of how the Balance Subject to Interest Rate for each Type of Balance was computed and an explanation of
how to avoid additional interest charges.

© 2014 Well Fargo Financial National Bank. All rights reserved. ECG-1175147 0314