ExpressSend Mobile Addendum to the Wells Fargo Online Access Agreement

Wells Fargo · agreement dated October 19, 2026 · Official agreement

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ExpressSend® Mobile Addendum to the Wells Fargo Online Access Agreement

Effective October 19, 2026

This Addendum ("Addendum") and the Wells Fargo Online Access Agreement ("OAA") contain the terms and conditions governing your use of the ExpressSend® Mobile Service (the “Service”). If we make changes to this Addendum, we will update the Addendum on the website. We will notify you of changes following the procedures specified in the OAA. In the event of any inconsistency between this Addendum and the OAA, this Addendum will control.

Except as otherwise provided in this Addendum, terms defined in the OAA have the same meaning in this Addendum.

Please read this Addendum carefully. By agreeing to this Addendum, or using or accessing the Service, you are agreeing to the terms and conditions of this Addendum and the OAA. This Addendum and the OAA include, among other things:

Your agreement to these terms is essential to our agreement to provide the Service.

a) Description a) Description

These Terms and Conditions, including the Service Description and Terms of Use, govern your use of the Service. In the Terms and Conditions, "you" and "your" refer to the person using the Service, and Wells Fargo Bank, N.A., is “Wells Fargo,” "we," or "our." By using the Service, you agree to these Terms and Conditions.

You can only use the Service within the Wells Fargo Mobile® app to send money to friends and family in select countries outside the United States from your eligible Wells Fargo consumer checking or savings account. These transfers are called "International Transfers," and the person you designate to receive the funds is the "Recipient." Your Recipient can receive your International Transfer at one of our receiving locations. Depending on the delivery methods available at receiving location, you can send funds for credit to the recipient’s account or for cash pick-up by the Recipient.

You must provide accurate Recipient’s full name and current physical address in the country to which you are sending the funds. You may have up to ten active recipients at any time.

You must be the sole owner, a primary or secondary joint owner, or have power of attorney on the funding account to use the Service. If you are using a joint account to send an International Transfer, you should be aware that the Service is established on an individual basis in your name only. If the other joint owners wish to send International Transfers using the joint account, each joint owner must enroll in the Service.

The Service is intended for consumer use and is not to be used for commercial or business payments. By using the Service, you represent that the International Transfer is not being sent for commercial or business purposes or on behalf of third parties. Minors (persons who have not reached the age of majority) may not enroll in the Service. You agree to provide documentation supporting the source of funds remitted using the Service upon our request.

All International Transfers are subject to applicable federal, state and local laws and regulations of the United States and the destination country, as well as Wells Fargo's policies and the transfer limits described below.

b) Security Procedure b) Security Procedure

Refer to OAA section titled “Transfers Security Procedures (Excluding Digital Wires)”

c) Reliance on Information Provided; Inconsistency of Name and Number; Complete and Accurate Information c) Reliance on Information Provided; Inconsistency of Name and Number; Complete and Accurate Information

When adding a recipient, you must provide the name, address, and telephone number of your Recipient, and you must select the delivery method and receiving location to which your funds may be sent. The full physical address of your Recipient must be provided, and it must be located in the country to which your transfer is to be sent. Post Office Box addresses are not allowed. The telephone number you provide for your Recipient must be a number in the country to which your International Transfer is to be sent or a U.S. telephone number. We will be unable to send an International Transfer if you do not provide this information. For all International Transfers, it is your responsibility to provide the correct information for your Recipient, the receiving location, and, where applicable, the Recipient’s account number to be credited.

d) Delivery Methods d) Delivery Methods

International Transfer to Account: If an International Transfer is to be sent to an account ("International Transfer to Account"), you must provide the Recipient’s qualifying account number. The Recipient name you provide must be exactly as it appears on the account records at the receiving location. You must also ensure that the account you designate can accept transfers denominated in the International Transfer currency.

For International Transfer to Account, your Recipient must open and maintain a qualifying account with the receiving location. This account is subject to the terms and fees applicable to the account as determined by the receiving location.

Some countries restrict or limit minors from performing certain financial transactions. It is your responsibility to ensure the Recipient can receive funds sent to the designated receiving location.

FOR INTERNATIONAL TRANSFERS TO BE SENT TO YOUR RECIPIENT'S ACCOUNT, YOU MUST PROVIDE THE CORRECT RECIPIENT ACCOUNT NUMBER. YOU COULD LOSE THE ENTIRE TRANSFER AMOUNT IF THIS NUMBER IS INCORRECT.

Cash Pickup International Transfer: If an International Transfer is to be sent for cash pickup ("Cash Pickup International Transfer"), the Recipient name you provide must match exactly the name appearing on the government issued identification document(s) the Recipient will present when collecting the funds.
Note: Not all receiving locations accept foreign passports, including the U.S. passport, as a valid form of identification for a Recipient to collect Cash Pick-up International Transfer. For information on a receiving location’s accepted types of identification for Cash Pick-up International Transfer, you may call us at 1-800-556-0605.

To retrieve a Cash Pick-up International Transfer, your Recipient must present the Cash Pick-up Confirmation Number we provide to you, acceptable identification with name matching exactly what you provided when adding your Recipient in the ExpressSend service, and any other information or authentication required by the receiving location (some receiving locations may require your Recipient to submit to a fingerprint scan or photograph to collect funds) during their normal business hours. For a Cash Pick-up International Transfer sent to your Recipient, the availability of funds at a Receiving location may be delayed based on unanticipated conditions such as natural disasters, civil disturbances, system issues, currency availability, local regulatory requirements, or required receiver action(s). Location-specific security concerns may also prompt payout branches of bank receiving locations to suggest alternatives (such as opening an account) to carrying large amounts of cash out of the branch. Please contact us as soon as possible if your Recipient experiences any issues with the cash pick-up.

e) Transfer Limits e) Transfer Limits

There is a minimum amount for each International Transfer which is subject to change at any time. In addition, in many cases a receiving location may also apply limits to the number of transfers that an individual may pick up or receive during the noted period of time — not just Wells Fargo ExpressSend transfers but transfers from all International Transfer providers. For current minimum transfer limits, call us at 1-800-556-0605 or check our website at wellsfargo.com/limits.

You may not send an International Transfer that exceeds any of the following limits:

(a) Daily Limit Per Recipient — The maximum aggregate daily limit for amounts which you may transfer to each Recipient

(b) Service Option Limits — Subject to any lower limits set forth in (a) above, the maximum aggregate daily limit for amounts which you may transfer is $5,000 per day.

(c) Cumulative Limit — Subject to the limits set forth in (a) and (b) above, and the limits noted in (d) below, the maximum aggregate combined amount that you can send during any rolling 30-day period using the Service is $12,500.

(d) Receiving Location Limits — Some Receiving Locations have additional limits on the amount any one sender can remit, or any one Recipient can receive from any receiving location or combination of International Transfer providers during a specified time frame. You may call us at 1-800-556-0605 if you have questions about the limits. We are not responsible if your International Transfer is rejected because of a Receiving locations limits.

We may change our limits from time to time without prior notice based on security, compliance, Receiving location requirements, or fraud concerns. Please note that Receiving locations may also change limits without prior notice. For limits currently in effect, refer to our website at wellsfargo.com/limits.

Please note: The receiving locations are not affiliates of any Wells Fargo company, and no Wells Fargo company guarantees deposits or funds maintained at any of these institutions; nor is any Wells Fargo company responsible for the actions or inaction of these institutions. Once funds are transferred, they are NOT FDIC insured.

f) Errors and Resolution f) Errors and Resolution

If you believe an error has occurred with respect to an International Transfers you must notify us no later than 180 days after the “availability date” (the date when funds will be made available to the Recipient) disclosed to you. You may notify us by calling 1-800-556-0605 or writing to us at: Wells Fargo Bank, N.A. MAC N9777-113 GRS PO Box 5106 Sioux Falls, SD 57117-5106

When you contact us, please provide the following information:

Wells Fargo will determine whether an error occurred within 90 days after you contact us, and we will correct any error promptly. We will contact you with the results within three Business Days of completing our investigation and making our determination. If we identify that there was no error, or an error occurred that is different from the one you described, Wells Fargo will send you a written explanation. You may ask for copies of any documentation we used in our investigation.

For more information about your error resolution and cancellation rights, you may access Wells Fargo ExpressSend® Notification of Error Resolution and Cancellation Rights (PDF). (English) (Spanish) (Tagalog) (Chinese) (Vietnamese)

g) Canceling a Transfer g) Canceling a Transfer

You have the right to cancel an International Transfer within 30 minutes of completing it. If you do not contact us within 30 minutes of completing the International Transfer, you may not be able to cancel it. If you cancel your International Transfer within 30 minutes, we will refund all funds paid to us, including all fees and taxes, unless the international Transfer has already been picked up or deposited into your Recipient’s account. We will provide your refund by crediting your account within three business days after you cancel the International Transfer.

The quickest and most efficient way to request a cancellation is by logging on to your Wells Fargo Mobile® app. After you sign on, go to Pay & Transfer > ExpressSend > Activity and select the transfer you wish to cancel. You may also call us at 1-800-556-0605. You must provide enough information so we can identify the International Transfer you wish to cancel. Generally, we need to know the amount of the transfer, where the funds were sent, and other information to identify and authenticate you.

If you want to cancel an International Transfer more than 30 minutes after you send it, we will try to cancel it for you. We are not responsible if we are unable to cancel your International Transfer. If we are able to cancel your international Transfer, we will refund all amounts you paid to us, including all fees and taxes.

Any Cash Pick-up International Transfer not picked up by your Recipient within 15 days may be canceled without notice. The unclaimed funds, including any fees and taxes paid to us, will be refunded back to you.

h) Rejection of International Transfer Requests h) Rejection of International Transfer Requests

We reserve the right to reject your International Transfer requests for any reason. All terms and conditions in the OAA apply, including specifically any restrictions regarding the use of online services outside the United States of America. We’re under no obligation to honor, in whole or in part, any payment order or other instruction that could result in our contravention of applicable law, including, without limitation, requirements of the U.S. Department of the Treasury’s Office of Foreign Assets Control (“OFAC”) and the Financial Crimes Enforcement Network (“FinCEN”).

i) Available Balances i) Available Balances

Subject to the transfer limits described above, you may only send an International Transfer using funds available in your account. Your available balance will be determined in accordance with our Availability of Funds Policy as described in your deposit account agreement. You will not be allowed to send an International Transfer if your available balance is less than the amount of your transfer and any associated fees and taxes.

j) Funds Conversion to Foreign Currency j) Funds Conversion to Foreign Currency

If you are sending an International Transfer in a foreign currency, we will convert your funds to the foreign currency at our current exchange rate before sending the International Transfer to your Recipient. For an estimate of the cost of an International Transfer and the current foreign exchange rate, refer to the online International Transfer Cost Estimator online at wellsfargo.com/costestimator.

Wells Fargo makes money when it converts one currency to another currency for you. The exchange rate provided to you is set by Wells Fargo in its sole discretion, and it includes a markup. The markup may be based on many factors, including without limitation costs incurred, market risks, and our desired return. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Also, different customers may receive different exchange rates for transactions that are the same or similar. Wells Fargo reserves the right to refuse to process any request for a foreign exchange transaction.

k) Fees k) Fees

International Transfer fees vary periodically and are subject to change at any time. For the transfer fees applicable to the Service, refer to the Wells Fargo Consumer and Business Account Fees section titled ExpressSend® Service.

You agree to pay the International Transfer fees in the amounts and manner disclosed to you. A copy of Wells Fargo's current fee schedule is also available to you on request. You also agree to pay taxes that are applicable to International Transfers (exclusive of taxes based on net income of Wells Fargo), as well as any other additional fees that may apply.

l) Termination l) Termination

You or Wells Fargo may terminate your use of the Service at any time without notice. For example, we may terminate your access to the Service if we determine you are using the Service for commercial or business payments.

Any International Transfer we have already processed before the termination date will be completed, and termination will not affect your rights or responsibilities with respect to the International Transfer we have processed for you. You are responsible for any International Transfer initiated by you prior to termination.

m) Limitation of Liability m) Limitation of Liability

Any action Wells Fargo takes to detect an erroneous International Transfer or to attempt to detect an unauthorized transfer, will be taken at Wells Fargo's sole discretion. No matter how many times Wells Fargo takes this action, it will not become part of Wells Fargo's standard procedures for attempting to detect such erroneous or unauthorized transfers, and Wells Fargo will not in any situation be liable for failing to take or to correctly perform the action. You agree that Wells Fargo may delay your transfer if Wells Fargo detects it as erroneous or unauthorized.

Except as otherwise agreed in writing, Wells Fargo is liable only for damages required to be paid as provided under Regulation E, subpart B or, to the extent applicable, UCC 4A (except as expressly modified by the OAA). Except as required by Regulation E, subpart B, Wells Fargo will not be responsible for the acts or omissions of any other person or entity, including but not limited to any processor, any country's central bank, or any other financial institution, and no such person or entity will be deemed Wells Fargo's agent.

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