Introducing a suite of credit cards for Wells Fargo Advisors clients

Superb benefits and rewards await you Indulge in one of the most competitive rewards programs available. Receive premium services and protections. Whatever your lifestyle, travel, or spending needs, we have a card for you. 1

Wells Fargo Advisors By Invitation Visa Signature Card Live life fully with our most exclusive card With top travel and rewards benefits, your Wells Fargo Advisors By Invitation Visa Signature Card is designed to complement your active lifestyle and refined tastes. 3x points on travel 1 (airfare, hotels, cruises, car rentals, and travel 1 agency bookings) No fee on foreign currency conversion 2 points 2x at restaurants 1 points on other 1x net purchases 1 Anniversary Bonus 35,000 points when you spend $75,000 in net purchases annually 3 For footnotes 1-5, see Important Disclosures on page 9. 50% more value from your points when redeemed for airfare 4 For example, 35,000 points can currently be redeemed for a $525 value toward airfare, as compared to a $350 value toward cash redemption options. Up to $100 statement credit toward Global Entry ($100) or TSA Pre P ($85) application fee 5 2

Wells Fargo Advisors Premium Rewards Visa Signature Card Enjoy premium beneﬁts with no annual fee6 Featuring first-class travel and rewards benefits, the Wells Fargo Advisors Premium Rewards Visa Signature Card offers accelerated rewards-earning opportunities and travel benefits with no annual fee.6 1.5x points on travel7 (airfare, hotels, cruises, car rentals, and travel agency bookings) 1.5x 1x points at restaurants7 points on other net purchases7 Anniversary Bonus 10,000 points when you spend $25,000 in No fee on foreign currency conversion6 net purchases annually8 For footnotes 6-9, see Important Disclosures on pages 9-10. 50% more value from your points when redeemed for airfare For example, 35,000 points can currently be redeemed for a $525 value toward airfare, as compared to a $350 value toward cash redemption options. 3

Wells Fargo Propel World American Express Card Earn a welcome bonus and get away Put the globally respected American Express brand behind your purchases. The Wells Fargo Propel World American Express Card offers unique rewards and is designed to enhance your travel experience. Welcome Bonus 40,000 bonus points when you spend $3,000 in net purchases in first three months 10 points points Annual 3x on airfare 2x 11 at hotels 11 Relationship Bonus 10%, 25%, or 50% points on other on non-bonus rewards 1x net purchases 11 points with qualifying Wells Fargo Checking or Savings Account or PMA Package 12 For footnotes 10-14, see Important Disclosures on pages 10-11. No fee on foreign currency conversion 13 Up to $100 per year statement credit toward incidental airline charges 14 4

All three cards oﬀer a world of robust rewards The Wells Fargo Go FarTM Rewards Program lets you choose from thousands of rewards, including custom-tailored vacation packages. Let a personal planner help you map out a one-of-a-kind experience, from golf with a pro, to a spa escape, or even a trip around the world. We oﬀer air-travel redemption virtually worldwide, including ﬁrst-class with no blackout dates and no booking fees.15 In addition to travel, you can choose from sporting goods, electronics, cash redemption possibilities, and more. To learn more, visit GoFarRewards.wf.com or call 1-877-517-1358. For footnote 15, see Important Disclosures on page 11. 5

Choose world-class service and security Eligible Wells Fargo consumer credit cards oﬀer cellular telephone protection16 and chip-based technology for greater global acceptance and added security when used at chip-enabled terminals. They also oﬀer Zero Liability Protection for promptly reported unauthorized transactions. For footnote 16, see Important Disclosures on page 11. 6

Your relationship has its beneﬁts Contact your Wells Fargo Advisors Financial Advisor to apply for a card with the features and beneﬁts for you. 7

Choose the card that s best for you Contact your Wells Fargo Advisors Financial Advisor to apply today. Wells Fargo Advisors By Invitation Visa Signature Card Wells Fargo Advisors Premium Rewards Visa Signature Card Wells Fargo Propel World American Express Card Annual Fee $0 first year 2 $350 thereafter, waived with $1 million relationship with Wells Fargo No annual fee 6 $0 first year $175 thereafter 13 Accelerated Earnings 3X on travel (airlines, hotels, cruises, and travel agency bookings), 2X at restaurants, and 1X on other net purchases 1 1.5X on restaurants and travel (airlines, hotels, cruises, and travel agency bookings) and 1X on other net purchases 7 3X on airlines, 2X on hotels, and 1X on other net purchases 11 Welcome Bonus No No 40,000 points when you spend $3,000 in net purchases within three months of account opening 10 Annual Bonus 35,000 points when you spend $75,000 annually 3 10,000 points when you spend $25,000 annually 8 Annual relationship bonus of 10%, 25%, or 50% on non-bonus points with qualifying consumer Wells Fargo checking or savings account or PMA Package 12 Global Entry/ TSA Pre-Check Statement credit toward Global Entry application ($100 credit) or TSA Pre application 5 ($85 credit) No No Airline incidental reimbursements No No Up to $100 in airline fee reimbursements annually for qualifying charges 14 Experiential Benefits Visa Signature Concierge Visa Signature Luxury Hotel Collection Visa Signature Concierge Visa Signature Luxury Hotel Collection Premium concierge Luxury Hotel Program Pre-sale ticket access to qualifying entertainment events before the general public For footnotes 1, 2, 5-8, 10-14, see Important Disclosures on pages 9-11. 8

Important Disclosures 1 3 rewards points (1 base plus 2 bonus) are earned for each $1 spent in net purchases (purchases minus returns/credits) only at retailers whose merchant category code for Visa is classified as: airline, passenger railway, cruise line, hotel/motel, travel agency, or vehicle/auto rental. 2 points (1 base plus 1 bonus) are earned for each $1 spent in net purchases only at retailers whose merchant category code for Visa is classified as restaurant. Purchases not processed using these merchant codes for Visa 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, retailers who submit purchases using a mobile/wireless card reader or if you use a mobile or digital wallet. 1 point will be earned for each dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS, cash equivalents such as money orders and pre-paid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Advisors By Invitation Visa Signature Card for details. your account open date. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Advisors By Invitation Visa Signature Card for details. 4 Flights must be redeemed through Go Far Rewards. For airline ticket redemptions, the number of points required to be redeemed is equivalent to the ticket costs divided by 0.015, rounded up to the nearest whole point. Points comparison is based on Go Far Rewards cash redemption options, where the number of points required to redeem is equivalent to the ticket cost divided by 0.01. Cash redemption options must be redeemed in $25 increments (currently 2,500 points). Certain restrictions and limitations apply. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo By Invitation Visa Signature Card. 5 Global Entry and TSA Pre3 are U.S. government programs. Visa and Wells Fargo Bank, National Association, 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 Pre3 program. For complete details on the Global Entry or TSA Pre3 programs, including full terms and conditions, go to globalentry.gov and tsa.gov/tsa-precheck. You must complete the Global Entry application and pay a $100 nonrefundable application fee or the TSA Pre3 application and pay a $85 nonrefundable application fee with a valid Wells Fargo By Invitation Visa Signature Card to be eligible for this 2 There is a variable APR for purchases and balance transfers of 12.75%. There is a variable cash advance APR of 24.24%. These APRs will vary with the market based on U.S. Prime Rate. If you are charged interest, the charge will be no less than $1.00. There is a $0 introductory annual fee for the first year. After that, there is a $350 annual fee for each subsequent year, which may be waived in each subsequent year that your household relationship with Wells Fargo totals $1 million or more on June 30. There is a balance transfer fee of up to 5% for each balance transfer, with a minimum of $5. A cash advance fee of either $10 or 5% of the amount of each advance, whichever is greater, applies for each advance. This information about the cost of the credit card account described in this disclosure is accurate as of 09/15/2016. To find out what may have changed, call 1-800-932-6736. Wells Fargo Advisors By Invitation Visa Signature Card is issued by Wells Fargo Bank, N.A. 3 You will earn 35,000 points (Your Anniversary Bonus ) if you have made at least $75,000 in net purchases on your Wells Fargo Advisors By Invitation Visa Signature credit card account during the 12-month period that begins immediately on your account open date (Your Anniversary Year ). This Anniversary Bonus is solely for your Wells Fargo Advisors By Invitation Visa Signature credit card and excludes all transactions made with other Wells Fargo credit cards. If the net purchase threshold is met prior to the end of Your Anniversary Year, it will show as pending on your Rewards Account until the next month after the end of the Anniversary Year when the Anniversary Bonus will be posted. The Anniversary Bonus will be awarded annually in the same manner as long as you make the required amount of net purchases during any subsequent Anniversary Year, which begins on the anniversary of statement credit. Up to 2 cardholders per account can each receive either the $100 or $85 next month after the end of the Anniversary Year when the Anniversary Bonus will be posted. The Anniversary Bonus will be awarded annually in the same manner as long as you make the required amount of net purchases during any subsequent Anniversary Year, which begins on the anniversary of your account open date. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Advisors By Invitation Visa Signature Card for details. 6 There is an introductory 0% APR for purchases and balance transfers for 12 months; after that, a variable APR of 15.75-17.75% rate based on your creditworthiness applies. There is a variable cash advance APR of 24.24%. These APRs will vary with the market based on U.S. Prime Rate. If you are charged interest, the charge will be no less than $1.00. $0 annual fee. An introductory balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 12 months applies; after that, there is a fee of up to 5% for each balance transfer, with a minimum of $5. A cash advance fee of either $10 or 5% of the amount of each advance, whichever is greater, applies for each advance. An overdraft protection advance fee of $12.50 or $20 per day depending on the total amount of the advance applies. This information about the cost of the credit card account described in this disclosure is accurate as of 09/15/2016. To find out what may have changed, call 1-800-932-6736. Wells Fargo Advisors Premium Rewards Visa Signature Card is issued by Wells Fargo Bank, N.A. 9

7 1.5 rewards points (1 base plus 0.5 bonus) are earned for each $1 spent in net purchases (purchases minus returns/credits) only at retailers whose merchant category code for Visa is classified as: airline, passenger railway, cruise line, hotel/motel, travel agency, vehicle/auto rental or restaurant. Purchases not processed using these merchant codes for Visa 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 rewards points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. 1 point will be earned for each dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS, cash equivalents such as money orders and pre-paid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Advisors Premium Rewards Visa Signature Card for details. 8 You will earn 10,000 Points (Your Anniversary Bonus ) if you have made at least $25,000 in net purchases on your Wells Fargo Advisors Premium Rewards Visa Signature credit card account during the 12 month period that begins immediately on your account open date (Your Anniversary Year ). This Anniversary Bonus is solely for Your Wells Fargo Advisors Premium Rewards Visa Signature credit card, and excludes all transactions made with other Wells Fargo credit cards. If the net purchase 10 To qualify for the 40,000 bonus rewards points, a total of $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account was opened. The 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 impact the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS, cash equivalents such as money orders and pre-paid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel World American Express Card for details. 11 Three rewards points (1 base point plus 2 bonus points) are earned per dollar spent on net purchases (purchases minus returns/credits) made directly with airlines whose merchant category for American Express is classified in the airlines and air carriers category; (charter flights and private jet flights are not considered airlines and air carriers) and two rewards points (1 base point plus 1 bonus point) are earned per dollar spent on net purchases made with hotels whose merchant category for American Express is classified in the lodging hotels, motels, and resorts category; (timeshares, recreation camps, and campgrounds are not considered lodging hotels, motels, and resorts). You may not earn bonus points for airfare or hotels purchased as part of vacation packages, or if purchased through third parties including third party travel agents or aggregators. Purchases not processed using these codes for American Express will not qualify for bonus points. Wells Fargo does not have the ability to control threshold is met prior to the end of Your Anniversary Year, it will show as pending on Your Rewards Account until the next month after the end of the Anniversary Year when the Anniversary Bonus will be posted. The Anniversary Bonus will be awarded annually in the same manner, as long as you make the required amount of net purchases during any subsequent Anniversary Year, which begins on the anniversary of your account open date. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Advisors Premium Rewards Visa Signature Card for details. 9 Flights must be redeemed through Go Far Rewards. For airline ticket redemptions, the number of points required to be redeemed is equivalent to the ticket costs divided by 0.015, rounded up to the nearest whole point. Points comparison is based on Go Far Rewards cash redemption options, where the number of points required to redeem is equivalent to the ticket cost divided by 0.01. Cash redemption options must be redeemed in $25 increments (currently 2,500 points). Certain restrictions and limitations apply. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Advisors Premium Rewards Visa Signature Card. 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, retailers who submit purchases using a mobile/wireless card reader or if you use a mobile or digital wallet. One rewards point will be earned per dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS, cash equivalents such as money orders and pre-paid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Please refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel World American Express Card for details. 12 If you own a qualifying Wells Fargo consumer checking or savings account, or a relationship package (each a qualifying deposit account ), you will earn a relationship bonus of 10%, 25%, or 50% on rewards points earned on net purchases (purchases minus returns/credits) made on your credit card account. You cannot earn a relationship bonus on points that are earned as either bonus points or as promotional points. Your relationship bonus percentage will be determined based on the type of qualifying deposit account you own. If you own an eligible checking or savings account, you will earn a 10% relationship bonus. If you own the primary checking account in a relationship package, you will earn either a 25% or 50% relationship bonus, depending on the statement-ending qualifying 10

relationship balances and type of relationship package. If you own more than one qualifying deposit account, you will earn the most favorable bonus rewards points percentage you qualify for at the time your relationship bonus is calculated. The relationship bonus, which will be in the form of rewards points, will post to your account in the 13th month after your credit card account was opened and annually on this date thereafter for as long as you maintain your qualifying deposit account. Please refer to the Wells Fargo Rewards Program Terms and Conditions for the Wells Fargo Propel World American Express Card or the Wells Fargo Propel 365 American Express Card for details. Relationship package refers to the PMA Package. On or about Feb 10, 2017, the PMA Package will be renamed to Portfolio by Wells Fargo. 13 There is an introductory 0% APR for purchases and balance transfers for 12 months; after that, a variable APR of 14.24% rate to 22.24% rate based on your creditworthiness applies. There is a variable cash advance APR of either $10, $20 or 5% rate. These APRs will vary with the market based on U.S. Prime Rate. If you are charged interest, the charge will be no less than $1.00. There is a $0 introductory annual fee for the first year. After that, there is a $175 annual fee for each subsequent year. An introductory balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 12 months applies; after that, there is a fee of up to 5% for each balance transfer, with a minimum of $5. A cash advance fee of either $10 or 5% of the amount of each advance, whichever is greater, applies for each advance. An overdraft protection advance fee of $12.50 or $20 per day depending on the total amount of the advance applies. This information about the cost of the credit card account described in this disclosure is accurate as of 09/15/2016. To find out what 16 Cellular Telephone Protection can reimburse the eligible Wells Fargo Advisors credit card cardholder for damage to or theft of a cellular wireless telephone. Eligible Cellular Wireless Telephones are limited to the primary line and up to the first three additional lines as listed on your provider s monthly statement. Cellular Telephone Protection is subject to a $25.00 deductible per claim and a maximum of 2 claims per 12 month period. The maximum benefit limit is $600.00 per occurrence and $1,200.00 per 12 month period. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a $25.00 deductible. This benefit does not cover cellular telephones that are lost. This protection is only available when cell phone bills are paid from your Wells Fargo Advisors 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, or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a pre-paid plan. 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 your first cellular telephone billing on your Wells Fargo Advisors Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Advisors Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner s or automobile insurance policies, or through a plan provided through the seller of the telephone. Read all the coverage benefits and exclusions for this protection by going to wellsfargo.com/ cellphone or call 1-866-804-4770, 24 hours a day, seven days a week. may have changed, call 1-800-932-6736. Wells Fargo Propel World American Express Card is issued by Wells Fargo Bank, N.A. 14 Each Wells Fargo Propel World American Express Card Account will be eligible to receive credit totaling up to $100 per year for airline qualifying charges. Qualifying charges are domestic or international airline transactions (excluding ticket purchases) that are processed by retailers or airlines under the merchant code for American Express in the category of airlines and air carriers. Wells Fargo does not have the ability to control how a retailer or airline chooses to classify their business and purchases made at retailers or airlines that do not process transactions using these codes for American Express will not qualify for credits. Cardholder is responsible for alerting Wells Fargo within 90 days of the transaction to receive credit for any qualifying charges that did not automatically post to your statement. Certain limitations and restrictions apply; please see the Airline Benefit Addendum to Consumer Credit Card Customer Agreement and Disclosure Statement for further details. 15 Flights must be redeemed through Go Far Rewards. Certain restrictions and limitations apply. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and corresponding Credit Card Addendum for details. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer credit card cardholder for damage to or theft of a cellular wireless telephone. Eligible Cellular Wireless Telephones are limited to the primary line and up to the first three additional lines as listed on your provider s monthly statement. Cellular Telephone Protection is subject to a $25.00 deductible per claim and a maximum of 2 claims per 12 month period. The maximum benefit limit is $600.00 per occurrence and $1,200.00 per 12 month period. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a $25.00 deductible. This benefit does not cover cellular telephones that are lost. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer 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, or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a pre-paid plan. 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 your first cellular telephone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner s or automobile insurance policies, or through a plan provided through the seller of the telephone. For complete coverage benefits and exclusions regarding this protection call 1-866-804-4770, 24 hours a day, seven days a week or go to wellsfargo. com/cellphone. 11

Investment and Insurance Products: NOT FDIC Insured NO Bank Guarantee MAY Lose Value Credit cards are issued by Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company. Lending and other banking services available through the Lending & Banking Services Group of Wells Fargo Advisors are offered by banking and non-banking affiliates of Wells Fargo & Company. American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Wells Fargo Bank, N.A., pursuant to a license from American Express. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. 2015-2016 Wells Fargo Clearing Services, LLC. All rights reserved. 96242-v2 1016-05331 0000592981 (Rev 01, 1 ea)