Wells Fargo Financial National Bank

800 Walnut St.

MAC N0003-06E

Des Moines, IA 50309

1-800-551-5111

Important reminders about your Wells Fargo Financial National Bank credit card program

Thank you for choosing Wells Fargo Financial National Bank for your consumer credit card program. We appreciate collaborating with and providing merchants like you a consumer financing program that helps generate business and increase your sales.

Important compliance reminders

We’d like to remind you of a few requirements referenced in the Wells Fargo Financial National Bank General Dealer Agreement, which must be followed to remain compliant when offering this credit card program to your customers. If you have questions about other requirements or policies of your credit card program offered through Wells Fargo Financial National Bank, please refer to your General Dealer Agreement.

· You may not charge Wells Fargo applicants/cardholders a fee for financing. (For example: you may not charge a transaction fee or processing fee in connection with purchases financed with our card).

· To help protect the security of your customers’ applications and personal information, including names, social security numbers, etc., you must process your own Wells Fargo Financial National Bank credit applications and charges. Third parties cannot be utilized for these processing functions and you cannot assist any third parties in processing applications or charges under this credit card program.

· You must use the current version of our credit application and regularly submit all credit applications, both approved and denied, to Wells Fargo Financial National Bank in accordance with the document submission procedures associated with your credit card program.

· You may not prefund. (For example: you may not present a charge for funding before the merchandise has been delivered or the services have been performed).

Online Resource Center

The easiest way to make sure you’re using the most current version of our credit application is by utilizing the Internet Processing System (IPS) located within the Online Resource Center. Log on to wellsfargo.com/retailservices regularly to find important program notices, updates, training, and tools to help make your credit card program work its best for your business.

If you have general questions about your credit card program, please call us at 1-800-551-5111, Monday through Saturday, 8:00 a.m. to 10:00 p.m. or Sunday 10:00 a.m. to 10:00 p.m. Central Time.

Thank you for your business. We look forward to serving you and your cardholders throughout 2012 and beyond.

For merchant use only.

Confidentiality Notice: This message contains privileged and confidential information intended only for the use of a retail merchant who is a member of a Wells Fargo Financial National Bank credit card program. If the reader of this message is not the intended recipient or the employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination or copying of this information is strictly prohibited. Wells Fargo Financial National Bank is an Equal Housing Lender.

Wells Fargo Financial National Bank is a division of Wells Fargo Financial National Bank.