Your signature means that all of the information you provided as part of your application is true and complete and that you have received, read and agree to the terms of out Credit Card Agreement, our Arbitration Agreement, and the Wells Fargo Retail Services Privacy Notice.  You agree that in order to process your application, we will obtain information necessary to evaluate your credit, employment, assets, and income records.  You also authorize us to obtain a credit report at no cost to you.  You give us and we will retain a purchase-money security interest in goods purchased under our Credit Card Agreement.  The Arbitration Agreement may not apply to you if you are on active duty military service (Including active guard or reserve service) or you are a spouse or dependent of a person who is on such active duty military service (please see the important statement concerning Active Duty Military Service paragraph in the Credit Card Agreement for more information).  If this credit application is for joint credit, you acknowledge that you intend to apply for joint credit that you both will use.