Wells Fargo Choice Privileges® Mastercards

1. 1. To qualify for the 40,000 bonus points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, balance transfers, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn rewards points. Refer to the Choice Privileges^® Mastercard^® Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for details. ←back to content

2. 2. To qualify for the 60,000 bonus points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, balance transfers, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn rewards points. Refer to the Choice Privileges^® Select Mastercard^® Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for details. ←back to content

3. 3. Five points (1 base point plus 4 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice^® brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. Three points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists for providing a home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges^® Mastercard^® Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for details. ←back to content

4. 4. Earn 5 points (1 base plus 4 bonus points) per $1 spent on qualifying net purchases made on the card account of Choice Privileges points, which will be awarded in the billing cycle when the qualifying purchases posts to the card account. Refer to the Choice Privileges^® Mastercard^® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms"). The Privileges Program has additional limits and restrictions and can be found at choicehotels.com/choice-privileges/rules-regulations. ←back to content

5. 5. Ten points (1 base point plus 9 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice^® brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. Five points (1 base point plus 4 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists for providing a home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges^® Select Mastercard^® Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for details. ←back to content

6. 6. Earn 10 points (1 base plus 9 bonus points) per $1 spent on qualifying net purchases made on the card account of Choice Privileges points, which will be awarded in the billing cycle when the qualifying purchases posts to the card account. Refer to the Choice Privileges^® Select Mastercard^® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms"). The Privileges Program has additional limits and restrictions and can be found at choicehotels.com/choice-privileges/rules-regulations. ←back to content

7. 7. To be eligible to receive the 10 Elite Night Credits with your card account, you must have an active Choice Privileges Rewards Program Member account linked to your card account. The 10 Elite Night credits will be available in your Choice Privileges Rewards Program member account within 14 days upon opening your card account. Within 14 days of January 1 of each subsequent calendar year, the 10 Elite Night Credits will be available in your Choice Privileges Rewards Program account, as long as your card account is open as of December 31 of the prior calendar year. Refer to the Choice Privileges^® Rules and Regulations for details. ←back to content

8. 8. You will earn 30,000 Points (your "anniversary bonus points") each 12-month period (an "anniversary year") that your card account remains open, not delinquent, and not in default at the time the award is issued. Your anniversary year begins on your account open date (your "anniversary date") and ends on the day prior to your next anniversary date. For example, if your account anniversary date is November 28, your account anniversary year will end on November 27 each year. Your anniversary bonus will appear as pending on your anniversary date and will be redeemable within seven days after your anniversary date. ←back to content

9. 9. To be eligible to receive the 20 Elite Night Credits with your card account, you must have an active Choice Privileges Rewards Program Member account linked to your card account. The 20 Elite Night credits will be available in your Choice Privileges Rewards Program member account within 14 days upon opening your card account. Within 14 days of January 1 of each subsequent calendar year, the 20 Elite Night Credits will be available in your Choice Privileges Rewards Program account, as long as your card account is open as of December 31 of the prior calendar year. Refer to the Choice Privileges^® Rules and Regulations for details. ←back to content

10. 10. Cellular Telephone Protection can reimburse the eligible Choice Privileges^® Mastercard^® Credit Card cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with an eligible Choice Privileges Mastercard Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from a card that is linked to a Line of Credit. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your eligible Choice Privileges Mastercard Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Choice Privileges Mastercard Credit Card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/choicebenefits.

    Note:
    Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Choice Privileges Mastercard Credit Card to get up to $600 protection. ←back to content

11. 11. Certain terms, conditions and exclusions apply. Please review your Choice Privileges World Elite Mastercard Credit Card Guide to Benefits for details. ←back to content

12. 12. Global Entry and TSA PreCheck^® are U.S. government programs. Mastercard and Wells Fargo Bank, N.A., have no control over the program, including, but not limited to, application, approval process, or enrollment; fees charged; and no liability for the Global Entry or the TSA PreCheck program. For complete details on the Global Entry and TSA PreCheck programs, including full terms and conditions, go to globalentry.gov and tsa.gov respectively. You must complete the Global Entry and/or TSA PreCheck application(s) and pay the application fee(s) with a valid Choice Privileges^® Select Mastercard^® Credit Card to be eligible for this statement credit. Your account can receive up to $100 statement credit for whichever purchase posts first to your account. The fee charged to your account must be a minimum of $68. If the purchase amount exceeds $100, the cardholder is responsible for the amount over the $100 maximum reimbursement. Please allow 6 – 8 weeks after the application fee is charged to you Choice Privileges Select Mastercard for a statement credit to be posted to your account. This benefit is only available once every four years. TSA PreCheck approval does not include Global Entry membership. Eligibility for TSA PreCheck is determined on a flight-by-flight basis and not guaranteed. Mastercard and Wells Fargo Bank, N.A., reserve the right to modify or cancel this offer at any time and without notice. Certain restrictions, limitations, and exclusions apply to receive this statement credit. Review the Choice Privileges Select World Elite Mastercard Credit Card Guide to Benefits for further details. ←back to content

13. 13. Cellular Telephone Protection can reimburse the eligible Choice Privileges^® Select Mastercard^® Credit Card cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with an eligible Choice Privileges Select Mastercard Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from a card that is linked to a Line of Credit. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your eligible Choice Privileges Select Mastercard Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Choice Privileges Select Mastercard Credit Card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/choiceselectbenefits.

    Note:
    Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Choice Privileges Select Mastercard Credit Card to get up to $800 protection. ←back to content

14. 14. Certain terms, conditions and exclusions apply. Please review your Choice Privileges Select World Elite Mastercard Credit Card Guide to Benefits for details.←back to content

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