The Wells Fargo Rewards

®

Program

Terms and Conditions

Effective: September 2013

Section 1: Your Contract With Us

Section 2: Your Rewards Program Account, Rewards Currency And Earning Mechanisms

Section 3: Options For Redeeming Rewards

Section 4: Transfer And Gifting Of Rewards Currency

“Wells Fargo”, “We”, “Us”, or “Our” shall mean Wells Fargo Bank, N.A. This Program is not available for product(s),

promotion(s) or offer(s) unless specifically allowed.

2. The Program may encompass multiple product(s), or promotion(s), or offer(s) (collectively and each an “Earning

Mechanism(s)”). Each Earning Mechanism will also have terms and conditions which may address Program fees, Rewards

Currency (defined in Section 2 below) expiration, annual earnings maximums and Program cancellation (“Addendum(s)”) that

will supplement these Program Terms and Conditions. These Program Terms and Conditions and Addendum(s), as well as

any additional terms and conditions that are referenced in these Program Terms and Conditions, represent the complete terms

of the Program (collectively “Terms”). You also acknowledge that You will be required to consent to certain agreements for

online functionality. You agree to these Terms by using the Program.

3. Changes to the Terms or Program: Wells Fargo reserves the right to amend, cancel, or temporarily suspend the

4. We have the right to monitor all activity with Your use of the Program. From time to time, We may monitor and record

telephone calls regarding Your Program to assure the quality of Our service. You agree and consent, in order for Us to service

Your Program that We may from time to time make calls and send text messages to You, using prerecorded/artificial voice

messages and/or through the use of an automatic dialing device, at any telephone number associated with Your account,

including mobile phone numbers that could result in charges to You. You also expressly consent to Wells Fargo sending

email messages about Your Program to any email address You provide to Us. Your consent overrides any “do-not-call or do-

not-email” restrictions You may have registered under federal or state law or any internal Wells Fargo privacy or solicitation

preference You have previously expressed. You agree to promptly notify Us if You change any contact information You

provide to Us, including Your name, mailing address, e-mail addresses, or phone numbers.

5. This Program is offered by Wells Fargo and is supported by several service providers, including Epsilon (program and online

(collectively “Affiliates”) maintain control over independent suppliers. Independent suppliers may include airline, hotel,

cruise line, rental car, merchandise, activity, and gift card suppliers (collectively and each a “Supplier(s)”) that will provide

accommodations, products, services or benefits (individually and collectively “Services”) related to this Program. Wells

Fargo and Service Providers are not co-vendors with any Supplier. Neither Wells Fargo nor Service Providers nor their

respective Affiliates will be responsible for any loss or injury to property or persons which may be caused or contributed to by

Suppliers or by any other cause, condition or event beyond the direct control of Wells Fargo or Service Providers or their

respective Affiliates. You agree to release Wells Fargo, Service Providers and their respective Affiliates, as well as their

respective officers, shareholders, assigns, directors, employees and agents from any and all liability for claims resulting from

any acts or omissions of the Suppliers providing or failing to provide Services in connection with the Program, or from any

other cause, condition or event beyond the direct control of Service Providers, Wells Fargo or each of their respective

8. These Terms are void where prohibited by law. All registered marks, trademarks and service marks belong to their respective

owners.

9. These Terms and Your participation in the Program are governed by federal law and, to the extent applicable, the laws of the

State of South Dakota, no matter where You live or use the Program.

10. If any provision of the Terms are determined to be unlawful, the rest of the Terms will stand and the unlawful provision will

be deemed amended to conform to law.

11. We may waive or delay enforcing any of our rights without losing them. If there is more than one owner of a particular

Earning Mechanism, a default by one of You will be a default by all of You, and we may waive or delay in enforcing a right

against one of You without waiving it as to all of You. Neither We nor our Service Providers are responsible for any disputes

between owners of Earning Mechanisms or any authorized users relating to Rewards Currency, redemption of rewards, or use

Wells Fargo Rewards Program account (“Rewards Account”) will be automatically opened for You. A Rewards Account

holds, calculates and accumulates Rewards Currency, and will have at least one Earning Mechanism assigned to it. A Rebate

Earning Mechanism will display as “Cash Rewards” in Your Rewards Account. You can earn Rewards Currency in a variety

of ways, including purchases made with an Earning Mechanism at qualifying merchants or in connection with other

promotions or offers.

14. Rewards Accounts involving automatic redemptions will be combined if requested by You. Any other Rewards Accounts

with the same Rewards Currency and the same owner will be combined into one Rewards Account. You can also combine any

of Your other individually owned Rewards Accounts into any Rewards Account that is jointly owned by You and another

person as long as all of the Rewards Accounts have the same Rewards Currency.

15. If You have questions or disputes about any Rewards Account balance, please call the Wells Fargo Rewards Service Center at

Rewards Currency to any third party except as provided in these Terms nor can Rewards Currency be transferred by operation

of law, such as by inheritance, in bankruptcy or in connection with a division of property by spouses or domestic partners.

17. If You have a Rewards Account with multiple Earning Mechanisms that can be cancelled or closed, only Rewards Currency

associated with the Earning Mechanism that is cancelled or closed will be forfeited. No other Rewards Currency will be

impacted.

18. Any pending Rewards Currency related to the closed or cancelled Earning Mechanism will also be forfeited. “Pending”

Rewards Currency is currency that has not yet posted to the Rewards Account and is not yet available for redemption,

transferring or gifting.

Section 3: Options For Redeeming Rewards

21. You can automatically redeem a cash redemption option into a Redemption Account, or receive a paper check. You can only

choose one automatic Redemption Account option at a time. If You select a paper check, You will not be able to select a

22. Certain products or accounts may not be eligible for the cash redemption options. Please call the Wells Fargo Rewards Service

Center at 1-877-517-1358 or visit MyWellsFargoRewards.com for more information.

23. For automatic cash redemption options, Wells Fargo will review Your Rewards Account to determine Rewards Currency

earned. When You have earned Your designated amount, We will redeem the Rewards Currency into either a designated

Redemption Account or send You a paper check.

24. If You elect to receive a paper check, a check will be issued using the name and address We have on record for You and

delivered via first-class U.S. mail. Alternate addresses will not be accepted.

25. If the Rewards Currency cannot be applied to the Redemption Account, We will notify You, and Your Rewards Currency will

remain in Your Rewards Account. Your automatic cash redemption option will also default to a manual cash redemption

option until You direct Us otherwise.

26. At any time, You can change Your designated Redemption Account to another Redemption Account (e.g. from checking to

savings). Any cash redemption option currently in process will be applied to the Redemption Account selected before You

27. If You choose to redeem in the form of a credit to a Redemption Account, it will be applied as a credit to the principal balance.

You still need to make any payments due on the Redemption Account.

28. Automatic cash redemption options will be processed and posted to the Redemption Account’s statement within four to six

30. You may transfer any or all of Your Rewards Currency to another Rewards Account owned by You or as a gift to another

Program Customer. Simply use the transfer feature on MyWellsFargoRewards.com or call the Wells Fargo Rewards Service

Center at 1-877-517-1358.

31. Rewards Currency can only be transferred or gifted if it is associated with an Earning Mechanism which is open, not

delinquent or in default. To receive Rewards Currency, the Rewards Account must also be associated with one Earning

Mechanism that is open, not delinquent or in default. You cannot transfer or gift Rewards Currency until it has posted to Your

Rewards Account.

32. A completed gift of Rewards Currency between You and another Program Customer cannot be reversed and is considered

final.

rewards items, Services or Suppliers, change the amount of Rewards Currency or the cash payment amount required

for rewards at any time, for any reason, without notice to You. We do not guarantee that any specific reward will be

available for any particular length of time.

35. All rewards redemptions are final and non-refundable, unless specifically stated otherwise in these Terms.

36. Terms and conditions for specific rewards are available on MyWellsFargoRewards.com or by calling the Wells Fargo

Rewards Service Center at 1-877-517-1358.

37. Rewards may be redeemed by using Rewards Currency, a combination of Rewards Currency and a payment card, or a

payment card, depending on the reward selected.

38. If You choose to redeem eligible non-travel items using a combination of Rewards Currency and a payment card, You will

39. Rewards may not be valid where prohibited by law, if sold for cash or other consideration, or if altered, photocopied, or

reproduced.

40. Except as otherwise provided in these Terms, Rewards Currency and rewards have no cash value.

determined by Us, at Our sole discretion. Items ordered at the same time may arrive separately. If You request expedited or

rush shipment of any reward(s) order, including applicable travel rewards, You will be charged the additional shipping fee. If

order.

exchangeable, refundable, transferable, nor redeemable for cash and cannot be combined with any other discounts, coupons or

rewards. If an electronic method of distribution is not applicable, all travel certificates, tickets and documents will be

delivered via a traceable method and will not be replaceable in the event of loss, destruction or theft. You may request travel

56. If You use a payment card for a travel reward, Your card account will include a charge for taxes and fees. This charge will

59. Montrose Travel is not able to facilitate a rebate for applicable Goods and Services Tax ("GST") or Value Added Tax

with connecting flights, delay or costs caused by transportation arranged or purchased through the Supplier. Neither Wells

Fargo nor Montrose Travel and their respective Affiliates have control over the air flight schedules, carriers selected, or

72. It is Your responsibility to make deposits and final payments by the due dates. Until payments are confirmed by the Supplier,

the individual travel insurance provider.

74. Hotel reservations include room and applicable taxes only, unless otherwise noted. Any additional hotel charges, such as

resort fees and hotel energy surcharges and incidentals that You incur while traveling, are not included in Your reservation and

must be paid directly to the hotel. Incidental charges may include but not be limited to, parking fees, baby-sitting, room

service, phone and internet usage fees, in-room movies, mini-bar charges and gratuities.

Travel nor their respective Affiliates shall be liable for not providing this notice or for damages that may result from such

renovation or refurbishment.

Merchandise And Gift Card

82. Merchandise redemptions are subject to the rules of the merchant. The manufacturers' warranty, if any, applies to all

merchandise offered.

84. Gift cards are non-redeemable for cash equivalent.

85. Gift cards cannot be used towards the purchase of gift cards.

Charitable Contributions/Donations

86. Consult Your tax advisor about whether Your redemption of Rewards Currency towards a charitable contribution/donation is

tax deductible.

You and We agree that any Covered Dispute between or among You and Us, regardless of when it arose, will, upon demand by either

You or Us, be resolved by the following arbitration process.

right to a jury trial or a trial before a judge in a public court.

retain the right to pursue in small claims court in the state where You reside any dispute that is within that court's jurisdiction.

B. Definition of disputes

Binding arbitration is a means of having an independent third party resolve a Covered Dispute without using the court system, judges

or juries. Either You or We may require the submission of a Covered Dispute to binding arbitration at any reasonable time

notwithstanding that a lawsuit or other proceeding has been commenced. If either You or We fail to submit to binding arbitration

following a lawful demand, the one who fails to so submit bears all costs and expenses (including attorney's fees and expenses)

incurred by the other in compelling arbitration.

Neither You nor We will be entitled to join or consolidate Covered Disputes by or against others in any arbitration, or to

include in any arbitration any Covered Dispute as a representative or member of a class, or to act in any arbitration in the

interest of the general public or in a private attorney general capacity.

Each arbitration, including the selection of the arbitrator will be administered by the American Arbitration Association ("AAA"), or

such other administrator as You and We may mutually agree to (the AAA or such other mutually agreeable administrator to be

referred to hereinafter as the "Arbitration Administrator"), according to the Commercial Arbitration Rules and the Supplemental

Procedures for Consumer Related Disputes ("AAA Rules"). To the extent that there is any variance between the AAA Rules and this

Arbitration Provision, this Arbitration Provision will control. Arbitrator(s) must be a member of the state bar where the arbitration is

If any of the provisions of this arbitration agreement dealing with class action, class arbitration, private attorney general action, other

representative action, joinder, or consolidation is found to be unlawful or unenforceable, that invalid provision shall not be severable

and this entire arbitration agreement shall be unenforceable.

property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or ancillary remedies such as

injunctive relief, attachment, garnishment, or court appointment of a receiver by a court having jurisdiction.

E. Miscellaneous

You and We each agree to take all steps and execute all documents necessary for the implementation of arbitration proceedings. The

arbitrator may hear and rule on appropriate dispositive motions as part of the arbitration proceeding, such as motions for judgments on

the pleadings, summary judgment, or partial summary judgment. The AAA, the arbitrators, You and We, must, to the extent feasible,

relationship between You and Us. This Arbitration Provision constitutes the entire agreement between You and us related to

arbitration of a Covered Dispute and supersedes all prior arrangements and other communications concerning dispute resolution.

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 law applicable

to this Agreement 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. Unless inconsistent with applicable law, each of Us shall bear the expense of our own attorney, expert and

witness fees, regardless of which of Us prevails in the arbitration.