Account Statement
Statement Date: April 02, 2003
Page 1 of 3
50004 0000000 0000
John Doe
100 Main St.
Anytown, USA 00000
If you have any questions about this statement or your accounts, call: 800-869-3557 (1-800-TO-WELLS). Or write: WELLS
FARGO BANK, N.A., PO BOX 4233, PORTLAND, OR 97208-4233.
EquityLine with FlexAbility
Use your line of credit between 02/03/03 and
05/02/03 and these balances may qualify for
a promotional interest credit! After 05/02/03
these balances will be subject to your
standard interest rate.
Wa
John Doe
0000000 0000
Account Number: 000
6 29
98
Activity summary
Approved line of credit
Credit in use:
Line 000
654 0000000
4 10000
8
Total credit in use
Available credit
Beginning balance owed**
Ending balance owed**
$75,000.00
$10,500.00
$10,500.00
$64,500.00
$10,545.33
$10,549.94
For inquiries regarding your promotional
offer, please call 1-800-400-9324.
25
H
**These balances include unpaid finance charges and other unpaid fees and charges.
this message is testing the rename of the LCA Product category. It should appear on all stmts as no conditioning was applied.
Payment due
Account number
Past due amount
Current amount
Payment due
.................................................................................................................................................
Line 000
6544
18
0000000 0000
Total payment due on 04/22 **
$
0.00
$
49.94
0000000000 at WELLS FARGO BK NA on 04/22.
** An Automatic payment of $49.94 will be withdrawn from account 2501
$
$
49.94
49.94
67
Account Statement
Statement Date: April 02, 2003
Page 2 of 3
654 0000000 10000
000
26
Activity detail
Line 000
65440000000 18
0000
Date
effective
Transaction
Principal
amount
balance*
Description
.................................................................................................................................................
03/02
03/22
04/02
04/02
Previous Balance
Interest Payment
Periodic Interest Charge
Ending Balance
$10,500.00
- $45.33
$49.94
$10,500.00
*Each change in the principal balance is shown.
Summary of finance charges
Account number /
Effective
Number
Average
Balance range
date
of days
daily balance
Finance charge
Daily
Corresponding
annual
periodic rate
percentage rate
......................................................................................................................................................
Line 000
65440000000 0000
1
$0.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999,999.99
H
03/03
03/03
03/03
31
0
0
$10,500.00
$0.00
$0.00
$49.94
$0.00
$0.00
.015342%
.015041%
.015041%
Total for period:
Finance charge:
$49.94
Your rate(s) may vary according to the terms of your agreement. You may pay your balance(s) in full at any time.
See the disclosure page for important information about your credit card and line of credit accounts.
Thank you for banking with Wells Fargo.
5.60%
5.49%
5.49%
Are you
interested
in...
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Call us at 1-888-945-5373
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For more information on our products and services visit us at
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Line of Credit Information
Each principal balance shown on your statement represents the unpaid
amount of the loan advances under your line of credit for that day and each
day thereafter until a change in the principal balance is shown. The
Finance Charge will be determined as follows:
. Determine the principal balance for each day during the statement
period; then
. Multiply the principal balance for each day during this statement
period by the daily periodic rate in effect for such day; and
. Add these results
If your account is subject to Balance Based Pricing, the daily periodic rate
and corresponding Annual Percentage Rate (APR) will be determined
each day based on the outstanding balance of your account. The daily
periodic rate and corresponding APR applicable to each balance range
are shown in the Summary of finance charges section on your statement.
If your account is subject to a Promotional Discount, your total finance
charge for the statement period is calculated by subtracting from the
above-described standard finance charge calculation a promotional
interest credit applicable to all Promotional Period net advances on your
account during the billing cycle. Your "net advances" are that portion of the
daily of the daily balances during the Promotional Period after adding new
advances and subtracting all payments or credits that exceed the principal
balances in your account immediately before your Promotional Period
began ("Principal balance before promotional advance period began").
This promotional interest credit is calculated by adding your net advances
for each day during the Promotional Period in the billing cycle and dividing
this number by the number of Promotional Period days in the billing cycle
resulting in your average daily promotional balance. Your average daily
promotional balance is then multiplied by the number of Promotional Period
days in the billing cycle and by the daily periodic rate for the promotional
interest credit rate resulting in the promotional interest credit. The
promotional interest credit is then subtracted from the total finance charge
at your standard rate(s) to obtain the total finance charge shown on your
statement.
If your account is subject to a Promotional Rate and is subject to Balanced
Based Pricing, your total finance charge will be determined by using the
above calculation and applying this calculation to the Promotional Net
Advances in the Tiers shown on this statement.
H
Call us at 1-800-866-0743
Any transaction charges or processing charges shown on your statement
also must be added to arrive at the total Finance Charge for this period.
Loan Payments received after normal business hours will be credited the
following business day. Normal business hours are posted in each office
or branch and will be furnished upon request, or may be obtained by
calling the customer service phone number listed on your statement.
In Case of Errors or Questions About Your Credit Line
Transactions
If you think your bill is wrong, or if you need more information about a transaction on your
bill, write us at the address shown on the front of this statement as soon as possible. We
must hear from you no later than 60 days after we sent you the first bill on which the error or
problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
. Your name and account number
. The dollar amount of the suspected error
. Describe the error and explain, if you can, why you believe there is an error. If you
need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating, but you are still
obligated to pay the parts of your bill that are not in question. While we investigate your
question, we cannot report you as delinquent or take any action to collect the amount you
question.
Special Rule for Credit Card Purchases. If you have a problem with the quality of goods
or services that you purchased with a credit card, and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining amount due on the
goods or services. You have this protection only when the purchase price was more than
$50 and the purchase was made in your home state, or within 100 miles of your mailing
address. (If we own or operate the merchant, or if we mailed you the advertisement for the
property or services, all purchases are covered regardless of amount or location of
purchase.)