ExpressSend Mobile Addendum to the Wells Fargo Online Access Agreement

Legal Rights & Agreement Rules · Context

This addendum is effective October 19, 2026

The ExpressSend Mobile Addendum states an effective date of October 19, 2026.

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Effective October 19, 2026

Legal Rights & Agreement Rules · Context

The addendum and Online Access Agreement govern the service

The addendum and Wells Fargo Online Access Agreement (OAA) govern ExpressSend Mobile. This addendum controls inconsistencies; OAA definitions apply unless this addendum says otherwise. The OAA is linked but its full terms are outside this source.

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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”).

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.

Qualifications & exceptions

• The addendum prevails if the two documents conflict.

Not stated here

• Full OAA terms and definitions are not supplied here.

Legal Rights & Agreement Rules · Company commitment

Changes are posted online with notice under the OAA

Wells Fargo says it will update the addendum on its website when it changes it and notify users following OAA procedures. The notice procedures themselves are not reproduced here.

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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.

Not stated here

• The OAA notice procedures are outside this source.

Legal Rights & Agreement Rules · Procedure

Agreeing, using or accessing the service accepts both documents

Agreeing to the addendum, using the service or accessing it constitutes agreement to this addendum and the OAA. The service provider is Wells Fargo Bank, N.A.; “you” means the person using the service. Acceptance is essential to Wells Fargo providing the service.

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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.

Your agreement to these terms is essential to our agreement to provide 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."

Legal Rights & Agreement Rules · Restriction or exception

The introduction flags arbitration, jury waiver and class-action waiver

The introduction says the addendum and OAA include binding arbitration for most disputes under the addendum or concerning the service, a jury-trial waiver and waiver of class-action rights. It warns that arbitration may involve less discovery and appellate review. Detailed arbitration procedures and exceptions are not reproduced in this source.

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your agreement with us to use binding arbitration for most disputes arising under this addendum or concerning the service and to waive the right to a trial by jury. in arbitration, there may be less discovery and appellate review than in court;

your waiver of class-action rights;

Qualifications & exceptions

• Arbitration is described as applying to most service or addendum disputes.

Not stated here

• Detailed arbitration procedures and exceptions are outside this source.

Legal Rights & Agreement Rules · Context

The introduction flags limits on Wells Fargo’s liability

The introduction identifies limitations on Wells Fargo’s liability as part of the addendum and OAA. This notice does not specify their full terms or amounts.

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limitations on our liability to you;

Not stated here

• The full liability limitations are not stated in this notice.

Cross-references

• defined by (model-proposed): Liability is limited to specified statutory damages unless agreed otherwise — The operative liability paragraph provides the statutory and written-agreement qualifications that the introduction only flags.

Legal Rights & Agreement Rules · Context

The addendum specifies South Dakota law

The introduction says the parties agree that South Dakota law governs this addendum without regard to conflict-of-law principles.

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and your mutual agreement with us that this addendum will be governed by the laws of the state of South Dakota, without regard to conflict of law principles;

Legal Rights & Agreement Rules · Restriction or exception

Transfers remain subject to laws, policies and transfer limits

International Transfers are subject to applicable federal, state and local laws and regulations in the United States and destination country, Wells Fargo policies and the transfer limits described in the addendum. This statement does not supply the text of those laws or policies.

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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.

Legal Rights & Agreement Rules · Context

Additional error and cancellation information is linked in five languages

The addendum links an ExpressSend Notification of Error Resolution and Cancellation Rights PDF in English, Spanish, Tagalog, Chinese and Vietnamese for more information. Those separate PDFs are outside this supplied source, so their additional terms are not inferred here.

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

Not stated here

• The linked PDFs are not supplied as part of this source.

Legal Rights & Agreement Rules · Restriction or exception

Liability is limited to specified statutory damages unless agreed otherwise

Unless otherwise agreed in writing, Wells Fargo limits liability to damages required under Regulation E, subpart B or, where applicable, UCC 4A as expressly modified by the OAA. Except as Regulation E, subpart B requires, it disclaims responsibility for other persons’ or entities’ acts or omissions, including processors, central banks and other financial institutions; they are not deemed its agents. These laws and OAA modifications are referenced rather than supplied.

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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.

Qualifications & exceptions

• A different written agreement may apply.
• UCC 4A is included only to the extent applicable and as modified by the OAA.
• Responsibility for third parties is subject to Regulation E, subpart B requirements.

Not stated here

• The cited laws and OAA modifications are not reproduced; no conclusion about enforceability or exact statutory damages is supplied.

Cross-references

• qualifies (model-proposed): Extra error or fraud detection is discretionary and may delay a transfer — The detection disclaimer is read with the stated liability framework: required Regulation E subpart B damages, applicable UCC 4A as modified by the OAA, and any different written agreement.
• defines (model-proposed): The introduction flags limits on Wells Fargo’s liability — The operative liability paragraph provides the statutory and written-agreement qualifications that the introduction only flags.