Online Access Agreement

Account & Service Control · Context

Scope of Covered Online Services and Functionalities

The Online Access Agreement governs user access to and use of Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, Wells Fargo Advisors online services, and other present or future online functionalities or products offered by Wells Fargo.

Supporting quotations

This Online Access Agreement ("Agreement") governs your use of:

Wells Fargo Online®

Wells Fargo Business Online®

Wells Fargo Mobile®

Wells Fargo Advisors® online services

In this Agreement, "Service" refers to all Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells Fargo Advisors online and mobile services, plus all the Eligible Accounts and Online Financial Services you can access via the Website after entering into this Agreement, as described further below.

Qualifications & exceptions

• Encompasses existing and future online functionality, products, or services offered by Wells Fargo

Account & Service Control · Context

Definition of Account Owners and Authorized Representatives

Defines "You" or "Your" as each owner of an Eligible Account, any applicant applying for an Eligible Account, or an Authorized Representative acting on behalf of an owner or applicant.

Supporting quotations

Each owner of an Eligible Account, a person applying for an Eligible Account, or Eligible Beneficiary entitled to online access of a Trust and Investment Management Account, or a Delegate or Authorized Representative.

Qualifications & exceptions

• Covers individual account owners, applicants, and designated authorized representatives

Account & Service Control · Context

Definition of Business Customers and Non-Personal Usage

Defines Business as any person or entity other than a Consumer holding an Eligible Account where Online Financial Services are utilized for business, commercial, or non-personal purposes.

Supporting quotations

Any person or entity other than a Consumer with an Eligible Account where an Online Financial Service is requested.

Qualifications & exceptions

• Excludes natural person consumers using accounts primarily for personal, family, or household purposes

Account & Service Control · Context

Definition of Consumer Customers for Personal Household Purposes

Defines a Consumer as a natural person (not a business or entity) holding an Eligible Account used primarily for personal, family, or household purposes.

Supporting quotations

A natural person (not a business or other entity) with an Eligible Account for which an Online Financial Service is requested primarily for personal, family, or household purposes.

Qualifications & exceptions

• Restricted to natural persons acting for personal, family, or household purposes

Account & Service Control · Context

Definition of Delegate and Delegate Management Tools

Defines Delegates as Authorized Representatives appointed using Delegate Tools, which are management tools provided by Wells Fargo to manage authority and access for Authorized Representatives.

Supporting quotations

Authorized Representatives appointed using the Delegate Tools.

Management tools we provide that help you manage the authority and access for some of your Authorized Representatives.

Qualifications & exceptions

• Applies to Authorized Representatives appointed specifically through Wells Fargo Delegate Tools

Account & Service Control · Context

Definition and Scope of Eligible Accounts

Defines an Eligible Account as each Wells Fargo product owned or applied for accessible through the Service—including deposit accounts, loans, credit cards, lines of credit, and investment accounts—while noting that specific services may be restricted to certain account types.

Supporting quotations

Each Wells Fargo product that you own or have applied for that is accessible through the Website.

Eligible Accounts include deposit accounts, loans, credit cards, lines of credit, investment products, securities accounts, brokerage accounts, advisory accounts, rewards accounts, and other products or accounts you have with us.

Some Online Financial Services are available for only certain types of Eligible Accounts.

Qualifications & exceptions

• Certain online financial services are restricted to specific categories of eligible accounts

Account & Service Control · Context

Definition and Online Access of Eligible Beneficiary

Defines an Eligible Beneficiary as a person named in governing trust or investment documents as a recipient or potential recipient of account funds, granting them entitlement to online account access.

Supporting quotations

A person named in the governing document of a Trust and Investment Management Account as the recipient or potential recipient of funds from the account. An Eligible Beneficiary is entitled to have online access to that account.

Qualifications & exceptions

• Limited to beneficiaries named in governing documents of Trust and Investment Management Accounts

Account & Service Control · Context

Definition of Supported Financial Management Software

Defines Financial Management Software to include Quicken, QuickBooks, Xero, and other software platforms identified by Wells Fargo on the Website.

Supporting quotations

Quicken®, QuickBooks®, XeroTM and other financial management software we may identify on the Website.

Qualifications & exceptions

• Includes software platforms specifically identified by Wells Fargo on the Website

Account & Service Control · Context

Definition and Scope of Mobile Banking Service

Defines Mobile Banking Service as products and services accessed through the Service via Mobile Device browsers or apps, noting not all eligible accounts are accessible through mobile banking.

Supporting quotations

Each of the products and services you may access through the Service using a Mobile Device. These products and services may be accessed through browsers, and apps, for example. Not all Eligible Accounts are accessible through the Mobile Banking Service.

Qualifications & exceptions

• Not all Eligible Accounts are accessible through the Mobile Banking Service

Account & Service Control · Context

Definition and Scope of Online Financial Services

Defines Online Financial Service to include website products, services, mobile banking, chat, virtual assistants, and account opening/maintenance instructions, explicitly distinguishing the service from underlying Eligible Accounts.

Supporting quotations

The term Online Financial Service includes:

Each product or service you may access or enroll in through the Website, including the Mobile Banking Service and any chat, virtual assistant, or similar service that may be available. Not every product or service made available through the Online Financial Service may be available through both Wells Fargo Online/Wells Fargo Business Online, and the Mobile Banking Service.

Actions you take, and instructions you give us, through the Website about opening or maintaining Eligible Accounts.

The term Online Financial Service does not include an Eligible Account.

Qualifications & exceptions

• Does not include an Eligible Account itself

Account & Service Control · Context

Comprehensive Definition of Service

Defines Service comprehensively to include all Wells Fargo Online, Business Online, Mobile, and Advisors online/mobile services, together with eligible accounts and financial services accessible through the website under the agreement.

Supporting quotations

All Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, and Wells Fargo Advisors online and mobile services, plus all the Eligible Accounts and Online Financial Services you can access or enroll in via the Website after entering into this Agreement.

Qualifications & exceptions

• Applies to all eligible accounts and services accessed via the Website after agreement entry

Account & Service Control · Context

Definition and Boundaries of Website

Defines Website to include online banking, mobile app, wellsfargo.com, and wellsfargoadvisors.com pages, while excluding any Wells Fargo websites governed by independent online access agreements.

Supporting quotations

The term Website includes:

All Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, and Wells Fargo Advisors online services and all other web pages maintained by us and accessible through wellsfargo.com, wellsfargoadvisors.com, or the Wells Fargo Mobile app.

Any other Wells Fargo website or web pages you can access only after you or an Authorized Representative enter into this Agreement.

Website does not include any Wells Fargo website with its own separate agreement governing online access.

Qualifications & exceptions

• Excludes Wells Fargo websites with independent separate agreements governing online access

Account & Service Control · User right or choice

Permitted Service Transactions and Balance Reporting Timing

Users may use the Service to access Eligible Accounts, obtain Online Financial Services, and conduct authorized transactions such as balance and history inquiries, which for certain accounts reflect activity only as of the prior Business Day close.

Supporting quotations

Under the terms and conditions of this Agreement, you may use the Service to:

Access your Eligible Accounts;

Obtain Online Financial Services; and

Perform authorized transactions through the Website.

For your Eligible Accounts, transactions available to you may include obtaining balance information, transaction history, and other information. For some Eligible Accounts, the balances and transaction history may only show activity as of the close of the previous Business Day.

Qualifications & exceptions

• Balances and transaction history for some accounts may reflect activity only as of the close of the prior Business Day

Account & Service Control · User right or choice

Individual Authority of Joint Owners, Representatives, and Delegates

Each joint owner, Authorized Representative, or Delegate may independently provide instructions, make decisions, obtain information, or submit requests regarding an Eligible Account and related services as permitted by account agreements.

Supporting quotations

If an Eligible Account is owned by more than one person (joint account), or has an Authorized Representative or Delegate, each person may provide us with instructions (written, electronic, or verbal); make any decision; obtain any information; or make any request associated with the Eligible Account and related Online Financial Services, to the extent allowed by agreements covering the Eligible Account.

Qualifications & exceptions

• Authority is subject to the terms of agreements covering the Eligible Account

Account & Service Control · Company practice

Delegate Tools Management, Joint Authority, and Access Levels

Owners may appoint Delegates via Delegate Tools with View Only or View and Transact permissions; appointment by one joint owner binds all co-owners, and the appointing user remains responsible for all actions taken under granted credentials.

Supporting quotations

We may offer Delegate Tools (online or otherwise) that help you manage the authority and access of the Authorized Representatives and Delegates you appoint. Some Delegate features may not be available for certain accounts or customers. Additional features may include:

Owners and certain Authorized Representatives of Eligible Accounts may use the Delegate Tools to name a Delegate;

We may provide Delegate Tools that let one Delegate establish, or manage the access of, another Delegate;

Delegates who are Authorized Representatives may also have authority in addition to that established using the Delegate Tools;

We will treat a Delegate appointment by one owner or certain Authorized Representatives of an Eligible Account as a Delegate appointment by all other owners of that Eligible Account;

View Only – Guest users and authorized users may have access to an Eligible Account or Online Financial Service, but only to view balance and transaction information and other non-transactional capabilities as permitted by the Service. If Delegate Tools are used by you to grant a guest user or authorized user with a username, password, or other login credential to access an Online Financial Service, you are responsible for any actions taken using your, your guest user, or authorized user's username and password; and

View and Transact – Authorized Representatives may have access to an Eligible Account or Online Financial Service, and may engage in and authorize specified transactions permitted by the Service.

Qualifications & exceptions

• Appointment by one joint owner is treated as an appointment by all owners
• User is responsible for all actions taken using granted login credentials

Account & Service Control · Company practice

Automatic View and Transact Delegate Assignment for Authorized Signers

Wells Fargo may treat an authorized signer on an Eligible Account who is enrolled in the Service as a Delegate and automatically assign them View and Transact authority.

Supporting quotations

If you make someone who is enrolled in the Service an authorized signer on an Eligible Account, we may treat that authorized signer as a Delegate and automatically assign View and Transact authority to that Delegate.

Qualifications & exceptions

• Applies to authorized signers who are enrolled in the Service

Account & Service Control · Restriction or exception

Mandatory Appointment Requirements and Unilateral Delegate Discontinuation

Delegates may only be appointed according to Wells Fargo requirements, taking precedence over other agreements, and Wells Fargo reserves the right to discontinue Delegate options or access at any time without prior notice.

Supporting quotations

You agree that you may only appoint Delegates in accordance with the requirements we provide to you. This provision takes precedence over any conflicting provision in any other agreement you have with us. We may discontinue offering Delegate options or permitting Delegates to access your Eligible Account or Online Financial Services at any time, without prior notice.

Qualifications & exceptions

• Wells Fargo may discontinue delegate options or access without prior notice

Account & Service Control · Restriction or exception

Presumption of Authority for Representative and Delegate Transactions

All transactions initiated by an Authorized Representative or Delegate are presumed authorized until the user provides revocation notice and Wells Fargo has had reasonable opportunity to act upon it.

Supporting quotations

An Authorized Representative or Delegate's transactions are considered authorized, unless (1) you tell us that they are no longer authorized as an Authorized Representative or Delegate, and (2) we have had reasonable opportunity to act on your notification (unless otherwise provided by law or regulation).

Qualifications & exceptions

• Transactions remain authorized until user gives notice and Wells Fargo has reasonable opportunity to act

Account & Service Control · Restriction or exception

Conditions and Notice Events Ending Delegate Authority

A Delegate's authority terminates when Wells Fargo has a reasonable opportunity to act on notice of removal by an owner or representative, departure of the appointing owner, court or written notice of owner death or incapacity, or delegate unenrollment.

Supporting quotations

A Delegate's authority will end when we have a reasonable opportunity to act on any of the following:

An owner of an Eligible Account or Authorized Representative lets us know that the Delegate's authority has ended and requests that the Delegate be removed.

An owner lets us know that the owner who appointed the Delegate is no longer an owner on the Eligible Account and requests that the Delegate be removed.

If we get written notice of the delegating owner's death/incapacity from a reliable source such as a court (applies to Consumer and sole-proprietor Business Eligible Accounts only) and requests that the Delegate be removed.

The Delegate is no longer enrolled in the Service as a Delegate.

Qualifications & exceptions

• Requires reasonable opportunity for Wells Fargo to act upon receipt of notice

Account & Service Control · Restriction or exception

Waiver of Multiple-Signature Requirements for Electronic Transfers

Multiple-signature requirements (such as two-signature checks) do not apply to electronic transfers, allowing any individual Authorized Representative to initiate electronic transfers alone, controlling over conflicting account agreements.

Supporting quotations

Any requirement to verify two or more signatures on any item (such as a check) does not apply to electronic transfers. This means that you're allowing any Authorized Representative on your Eligible Account to individually make electronic transfers, even though his/her authority to transfer or withdraw funds from your account by some other means (such as by check) must be exercised jointly with one or more other persons.

This provision controls and takes precedence over any conflicting provision in any other agreements you have with us.

Qualifications & exceptions

• Takes precedence over conflicting signature requirements in any other agreements with Wells Fargo

Account & Service Control · Restriction or exception

Agency Status, Supervision, and User Liability for Delegate Transactions

Authorized Representatives and Delegates act as user agents whose instructions Wells Fargo may rely upon; users are solely responsible for all transactions they perform (even unintended ones), credential confidentiality, and active supervision.

Supporting quotations

You agree that:

Each of your Authorized Representatives and Delegates will be acting as your agent and will be bound by this Agreement and any separate agreement governing the Eligible Account or Online Financial Service.

We may rely and act on the instructions of any Authorized Representative or Delegate.

All transactions that an Authorized Representative or Delegate performs on an Eligible Account or Online Financial Service, including those you did not want or intend, are transactions authorized by you. Unless prohibited by applicable law, you are solely responsible for those transactions.

You are solely responsible for supervising all of your Authorized Representatives and Delegates, and monitoring the actions they take on your behalf, whether or not we provide Delegate Tools for managing their authority.

You will be responsible for ensuring each Authorized Representative or Delegate maintains the confidentiality of that person's username, password, or other login identification.

Each Delegate will access and use each Eligible Account and Online Financial Service, in accordance with the authority given to the Delegate by the delegating owner or Authorized Representative.

Each time the Delegate accesses, views, or transacts on an Eligible Account or Online Financial Service, you represent and warrant to us that the delegating owner authorizes the Delegate's action.

Qualifications & exceptions

• Users remain solely responsible unless prohibited by applicable law

Account & Service Control · Permission or license

Authorization for Wells Fargo to Provide Online Access and Service Access

Users authorize Wells Fargo to provide access to Eligible Accounts and Online Financial Services through the Service, permitting account information retrieval and authorized transaction execution.

Supporting quotations

You authorize Wells Fargo to provide access to your Eligible Accounts and Online Financial Services through the Service. You may access your Eligible Accounts and Online Financial Services through the Website to obtain information and perform transactions authorized on the Website.

Qualifications & exceptions

• Access permitted through Website to obtain information and perform authorized transactions

Account & Service Control · Procedure

Mobile Banking Service Channels and Verified Phone Number Requirement

Mobile Banking Service access via mobile browser, apps, SMS, or push notifications requires maintaining a valid mobile phone number that the user owns or has legal authority to use.

Supporting quotations

When using the Mobile Banking Service, you may generally access certain Eligible Accounts through the mobile browser, our mobile apps, or get certain information through text messaging or push notification on a Mobile Device. In order to do so, you must provide us with (and maintain) a valid mobile phone number, which you are the owner of or have the delegated legal authority to act on behalf of the mobile subscriber.

Qualifications & exceptions

• User must own the mobile phone number or have delegated legal authority from subscriber

Account & Service Control · Company practice

Account Linking and Summary Display Regardless of Co-Ownership

Enrolled users may link and display eligible accounts on their Account Summary page regardless of co-ownership interests, subject to limitations and restrictions on mobile banking.

Supporting quotations

Once you enroll for the Service, you can link and display certain Eligible Accounts. Eligible Accounts that are linked and displayed through the Mobile Banking Service may be subject to certain limitations and restrictions.

Eligible Accounts will appear on your Account Summary page on the Website without regard to who else may have an ownership interest in each Eligible Account.

Qualifications & exceptions

• Accounts displayed without regard to who else may have an ownership interest
• Mobile banking display subject to certain limitations and restrictions

Account & Service Control · Company commitment

Continuous Service Availability and Maintenance Downtime Channels

Access is generally provided 24/7, though service may be unavailable during system maintenance or circumstances beyond Wells Fargo's control, with phone, ATM, and branch alternatives available.

Supporting quotations

Subject to the terms of this Agreement, you'll generally be able to access your Eligible Accounts and Online Financial Services through the Website 24 hours per day, 7 days per week.

Sometimes the Service may be unavailable due to system maintenance or circumstances beyond our control. During these times, you may be able to call Online Customer Service at 1-800-956-4442, use a Wells Fargo ATM, or visit a Wells Fargo branch to obtain information about your Eligible Accounts. For brokerage accounts and services, contact your Financial Advisor, or call 1-877-879-2495 or 1-866-552-3312 (WFCS Custodied brokerage accounts).

Qualifications & exceptions

• Service may be unavailable due to maintenance or circumstances beyond Wells Fargo control

Account & Service Control · Procedure

Procedure for User Removal of Account Online Access

Users may remove online access for a specific Eligible Account directly through the Service or by calling designated customer service or Wells Fargo Advisors phone lines.

Supporting quotations

If you want to remove online access for an Eligible Account, you can do so through the Service or call:

Wells Fargo Online Customer Service at 1-800-956-4442

Wells Fargo Advisors accounts, call 1-877-879-2495 or 1-866-552-3312 (WFCS Custodied brokerage accounts)

Qualifications & exceptions

• Removal may be requested online through the Service or via telephone support

Account & Service Control · Procedure

Agreement Execution Requirement for Business Account Representatives

Wells Fargo may require any Authorized Representative of a Business Eligible Account or business service to enter into this Agreement prior to granting access to the Service.

Supporting quotations

If you have a Business Eligible Account or Business Online Financial Service, before authorizing access to the Service, we may require (based on terms, conditions, or other agreements) any Authorized Representative to enter into this Agreement, as amended.

Qualifications & exceptions

• Applies to Authorized Representatives of Business Eligible Accounts or business services

Account & Service Control · Procedure

Required Information for Submitting Error Notices

When reporting an error or questioning a transfer, users must provide their name, account number, a clear explanation of the error or questioned transfer, and reason for inquiry.

Supporting quotations

When contacting us about an error or with questions, please tell us:

Your name and account number (if any).

About the error or the transfer you question, and clearly explain why you believe it is an error or why you need more information.

Qualifications & exceptions

• Must explain clearly why user believes an error occurred or why more information is needed

Account & Service Control · Company commitment

EFT Verification Rights, Periodic Account Statements, and Terminal Receipts

Consumers have the right to verify EFT debits and credits by telephone, receive monthly statements when EFTs occur (or quarterly otherwise), and receive receipts at ATMs or merchant terminals.

Supporting quotations

You have the right to find out whether an EFT was credited to or debited from your Eligible Account. To do so, contact us at the number listed on your statement for your Eligible Account.

We'll send you a monthly statement if there are EFTs in a particular month. Otherwise, we'll send you a statement at least quarterly.

You can get a receipt at the time you make any EFT to or from your account using one of our ATMs or when you use your card at a merchant terminal.

Qualifications & exceptions

• Monthly statements provided when EFTs occur; quarterly otherwise

Account & Service Control · Procedure

Bill Pay Eligibility Prerequisites and Credit/Loan Payee Authorization

To use Bill Pay, users must hold an accessible checking, brokerage cash services, or priority credit line account, and authorize Wells Fargo to add credit card or loan accounts as payees subject to account history.

Supporting quotations

Wells Fargo Bill Pay ("Bill Pay") lets you schedule bill payments through the Service. You must have at least one Eligible Account that is a Wells Fargo checking account, a Wells Fargo Advisors or WFCS Custodied brokerage account with the Brokerage Cash Services feature ("Brokerage Cash Services account"), a Priority Credit Line, or a Wells Fargo Bank Priority Credit Line accessible through the Service, to use Bill Pay. You authorize us to add Eligible Accounts that are Wells Fargo credit card or loan accounts as payees in Bill Pay, but depending on your history related to those accounts, we may not automatically establish them as your Bill Pay payees. For certain providers, you may have to provide additional identification information to see the bill detail information from our Website, or you may have to visit your provider’s site directly to see bill detail information.

Qualifications & exceptions

• Automatic establishment of credit card or loan payees depends on account history

Account & Service Control · User right or choice

Joint Account Shared Bill Pay Funding Authority

Joint account holders are each permitted to use the same shared joint account as their individual Bill Pay funding account.

Supporting quotations

Joint account holders may use the same account as their Bill Pay Funding Eligible Account for their individual use of Bill Pay.

Qualifications & exceptions

• Applies to joint account holders using the account for individual Bill Pay access

Account & Service Control · Company practice

Automatic Cancellation of Pending Payments Upon Account Closure or Restriction

If a funding account closes or is restricted for any reason, Wells Fargo cancels all pending payments associated with the account, and the user assumes sole responsibility for making all pending and future payments.

Supporting quotations

If your Bill Pay Funding Eligible Account closes or is restricted for any reason, we'll cancel all pending payments associated with the account. It will be your sole responsibility to make all pending and future payments.

Qualifications & exceptions

• User assumes sole responsibility for all pending and future payments upon account closure or restriction

Account & Service Control · Restriction or exception

Account Eligibility Restrictions and Discretionary Risk Exclusions

Certain account types (such as retirement, trust, custodial, or corporate accounts) may be ineligible or restricted by external banks, and Wells Fargo reserves the right to decline any account deemed to present risk.

Supporting quotations

Not all types of accounts are eligible for Transfer & Payments Service. We may decline the use of any Account that we believe may present a risk to you and/or us. Be sure to check with your U.S. financial institution for restrictions regarding transfers among your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business, corporate, and other account types.

Qualifications & exceptions

• Wells Fargo may decline use of any account believed to present risk

Account & Service Control · User right or choice

Transfer Cancellation Rights and Channels

Transfers that are in process cannot be canceled or stopped. For recurring or future one-time transfers, users may cancel before the process date or cut-off time by logging into the service or calling customer service. Recurring transfers can be canceled for the next transfer or the entire schedule.

Supporting quotations

Payments that are in process cannot be canceled or stopped.

you may cancel any transfer as long as we receive the request before the process date or other applicable cut-off time of the one-time transfer or the next scheduled recurring transfer.

For recurring transfers, you may cancel only the next scheduled transfer or the entire recurring transfer schedule.

After the entire recurring transfer schedule is canceled, all future transfers will be canceled and you must reschedule it if you want transfers to be made in the future.

You may cancel a transfer by logging on to the Transfer & Payments Service or by contacting us at Wells Fargo Online Customer Service at 1-800-956-4442.

Qualifications & exceptions

• In-process transfers cannot be canceled or stopped

Account & Service Control · Restriction or exception

Transfer Service Suspension and Reinstatement Discretion

Wells Fargo reserves the right to immediately suspend access to the Transfer & Payments Service without prior notice upon problems (such as failed debit attempts or collection issues). Reinstatement is granted or denied in Wells Fargo's sole discretion and may require lower transaction limits and additional terms.

Supporting quotations

Without limiting any other right or remedy that we may have under this Agreement or otherwise, we reserve the right to suspend your right to use the Transfer & Payments Service, immediately and without prior notice to you, if we incur a problem with your use of the Transfer & Payments Service.

We may do so if, for example, there is a failure in attempting to debit any of your Accounts or to collect any of your fund transfers as described above.

You understand and agree that such action is reasonable for us to take in order to protect Wells Fargo from loss.

In the event of such suspension, you may request reinstatement of your service by contacting us at 1-800-956-4442.

In our sole discretion, we may grant or deny reinstatement of your use of the Transfer & Payments Service.

If we agree to reinstate you, we may initially reinstate your Transfer & Payments Service subject to lower per-transaction and monthly dollar limits and/or with other restrictions.

Qualifications & exceptions

• Suspension may occur immediately without prior notice

Account & Service Control · Restriction or exception

Transfer Service Termination Grounds and Discretion

Subject to applicable law, Wells Fargo may terminate user rights to use the Transfer & Payments Service at any time and for any reason, including agreement violations, provision of false information, or interference with other users or service administration.

Supporting quotations

Subject to applicable law or regulation, we may terminate your right to use the Transfer & Payments Service at any time and for any reason, including if in our sole judgment we believe you:

Engaged in conduct or activities that violate any of the terms of this Agreement or our rights; or

Provided us with false or misleading information; or

Interfered with other users or the administration of the Transfer & Payments Services.

Qualifications & exceptions

• Subject to applicable law or regulation

Account & Service Control · Procedure

Mobile Deposit App Availability, Device Eligibility, and Carrier Coverage

The Mobile Deposit Service requires downloading the Wells Fargo Mobile app onto an eligible mobile device meeting supported operating system requirements. Service availability may be affected by carrier coverage, and certain accounts are ineligible for mobile deposit.

Supporting quotations

The Mobile Deposit Service is only available through the Wells Fargo Mobile app for eligible Mobile Devices. Download the Wells Fargo Mobile app on an eligible Mobile Device.

Please refer to Supported Browsers and Wells Fargo Mobile® App Requirements for operating system requirements.

Availability of the Mobile Deposit Service may be affected by your mobile carrier’s coverage area.

Some accounts are not eligible for mobile deposit.

Qualifications & exceptions

• Availability affected by carrier coverage area; certain accounts are not eligible

Not stated here

• The text of the linked Supported Browsers and Wells Fargo Mobile App Requirements is not supplied in this agreement

Account & Service Control · Permission or license

Mobile Deposit Termination Rights and Transmitted Image Governance

Either Wells Fargo or the user may terminate or discontinue the Mobile Deposit Service at any time. Transmitted check images remain governed by this Agreement.

Supporting quotations

We may terminate the Mobile Deposit Service at any time. You may stop using the Mobile Deposit Service at any time. However, any image transmitted through the Mobile Deposit Service shall be subject to this Agreement.

Qualifications & exceptions

• Service terminable at any time by either party; transmitted images remain governed by agreement

Account & Service Control · Procedure

Paze Digital Wallet Service, Card Tokenization, and Online Merchant Scope

Paze is an online checkout solution operated by Early Warning Services, LLC that stores eligible card credentials in a digital wallet. Added card numbers are tokenized and replaced with digital card numbers upon wallet activation. Paze is available only with participating online merchants (not physical stores), and certain merchants may require merchant account creation.

Supporting quotations

The provisions in this Section only apply to the Paze digital wallet service (Paze), which is an online checkout solution operated by a third party, Early Warning Services, LLC ("Early Warning").

Paze stores your eligible credit and debit card payment credentials and related personal information, in a digital wallet created for you. When your eligible card is added to Paze, your actual card number is tokenized and replaced with a different digital card number.

You will need to activate your Paze wallet before you can use it. Paze lets you select your eligible credit or debit card from your Paze wallet, and share your tokenized payment credentials and related personal information with participating merchants to make purchases online.

Paze is only available with participating online merchants and cannot be used at physical merchant locations. Some merchants may require that an account be created with them before Paze can be used at checkout. Certain eligibility criteria to use Paze apply.

Qualifications & exceptions

• Online merchants only; physical stores excluded; wallet activation required

Account & Service Control · Company practice

Paze Contact Information Maintenance and Automatic Replacement Card Updates

Users must maintain up-to-date contact information with Wells Fargo and accurate shipping addresses with Paze or merchants. When cards are replaced or re-issued, Wells Fargo automatically provides updated credential information to Paze, Early Warning, and the card network.

Supporting quotations

You are required to maintain your current and most up-to-date contact information with us, such as your email address, mobile phone number, and statement address. It is your responsibility to provide to Paze and/or the participating merchant your accurate shipping address.

When your eligible Wells Fargo card is replaced or re-issued, we may automatically provide Paze, Early Warning, and your card network, with updated information about your eligible card payment credentials.

Qualifications & exceptions

• Bank automatically updates replacement card credentials with Paze, Early Warning, and card network

Account & Service Control · Restriction or exception

Paze User Eligibility Criteria, Representations, and Bank Discretion

Paze usage requires meeting eligibility criteria: users must represent they are U.S. residents, at least 18 years old, and primary account holders for selected cards. Wells Fargo determines which card accounts are eligible and reserves sole discretion to modify or terminate eligibility rules or change authentication processes.

Supporting quotations

Your use of Paze is contingent on you and your credit and debit card Eligible Accounts meeting certain eligibility requirements.

In order to use Paze, you represent that: (a) you are a U.S. resident, (b) you are at least 18 years of age, and (c) you are the primary account holder for the Eligible Accounts you select to use with Paze.

Wells Fargo, not Paze, will determine which of your Wells Fargo credit and/or debit card Eligible Accounts are eligible for Paze. We reserve the right to add additional Eligible Accounts to Paze in the future.

We have the right and sole discretion to modify or terminate the eligibility requirements to use Wells Fargo cards with Paze. We may also change the card authentication process for our cards.

Qualifications & exceptions

• Must be U.S. resident, 18+, and primary account holder; bank holds sole discretion over card eligibility

Account & Service Control · User right or choice

Paze Card Removal Rights and Opt-Out Management Channels

Users have the right to remove Wells Fargo cards from Paze by calling 1-800-956-4442 or through the Wells Fargo Mobile app wallet. To opt out of Paze entirely, users may manage their status via the Paze website (https://paze.com/optout).

Supporting quotations

You have the right to remove your Wells Fargo cards from Paze. To the extent that you have cards from other financial institutions in Paze, you understand that Wells Fargo can only remove your Wells Fargo cards from Paze.

To remove your Wells Fargo cards from Paze, you may call Wells Fargo Online Customer Service at 1-800-956-4442 for assistance, or if your cards appear in your Paze digital wallet in the Wells Fargo Mobile app you can remove them there.

If Paze is available to you and you do not wish to continue to participate in Paze, you may opt-out of Paze entirely through the Paze wallet management website: https://paze.com/optout.

Qualifications & exceptions

• Wells Fargo can only remove its own cards; full opt-out available at paze.com/optout

Account & Service Control · Restriction or exception

Paze Lawful Use Duty and Suspension/Termination Discretion

Users must use Paze only for lawful purposes, avoiding activities causing liability, reputational harm, or brand damage. Wells Fargo, Paze, and Early Warning reserve discretionary rights to define prohibited uses and suspend or terminate card participation or Paze usage at any time.

Supporting quotations

You agree that you will only use Paze for lawful purposes, and not for purposes or activities that may lead to liability, reputational harm, or brand damage to Wells Fargo, Paze, or Early Warning. We reserve the right to determine prohibited uses of Paze at our sole discretion, and at any time, consistent with applicable law or regulation.

You agree that unless otherwise required by applicable law or regulation, we can suspend or terminate your ability to use your eligible Wells Fargo cards in Paze, in whole or in part, at any time.

You further agree that unless otherwise required by applicable law or regulation, we, Paze, and Early Warning, may suspend or terminate your usage of Paze, if at any time we determine that it does not meet our, Paze's, or Early Warning's, criteria for Paze usage.

Qualifications & exceptions

• Bank, Paze, and Early Warning may suspend or terminate usage at any time

Account & Service Control · Procedure

Automatic Account Alerts and Alerts Service Delivery Preferences and Opt-Out

Wells Fargo automatically sends critical alerts (fraud, activity, statements, profile changes) via email, text, or push notifications, and offers an Alerts Service for customizable delivery preferences. Push notifications can be turned off in app settings, and text alerts can be opted out by replying STOP.

Supporting quotations

Wells Fargo may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including to your Mobile Device or to any phone number you have provided to us.

These messages may include notifications about potential fraud on your accounts, debit card or credit card, recent account activity, statement ready notifications, or changes to your online profile.

You can opt not to receive push notifications by turning off push notifications on your Wells Fargo Mobile app. You may also opt out of receiving text messages by replying STOP at any time.

Wells Fargo also offers an Alerts Service ("Alerts Service") through Wells Fargo Online or Wells Fargo Mobile for your Eligible Account(s). You may choose to receive eligible alerts through (as available) email message(s), text message(s), push notification(s), and/or by other means.

You may modify your Alerts Service delivery preferences or choose to discontinue receiving alerts by updating your alerts through the Service.

Qualifications & exceptions

• Opt-out of push notifications via mobile app settings; opt-out of text alerts by replying STOP

Account & Service Control · Company practice

Push Notification App Usage Requirement and Delivery Maintenance

Wells Fargo sends push notifications only to devices where the mobile app is frequently used. To maintain or resume push notification delivery, users must log in to the Wells Fargo Mobile app frequently.

Supporting quotations

Wells Fargo sends push notifications to devices on which the Wells Fargo Mobile app is frequently used.

To ensure continued delivery or resume delivery of push notifications, log on to the Wells Fargo Mobile app on your device frequently.

Qualifications & exceptions

• User must log into mobile app frequently to maintain or resume push notifications

Account & Service Control · Company practice

Alerts Service Unilateral Termination and Modification Without Notice

Wells Fargo may modify, suspend, or terminate the Alerts Service at any time without notice, and may alter or cancel the content or delivery method of any automatic alerts.

Supporting quotations

Wells Fargo may terminate or change your use of the Alerts Service at any time without notice.

We may also change, modify, or cancel either the content or the delivery method of any automatic alerts.

Qualifications & exceptions

• Bank may terminate or alter alerts service at any time without notice

Account & Service Control · Permission or license

Online Statements, Electronic Legal Notices Delivery, and User Authority Warranty

Account statements, tax documents, and legal notices can be delivered online as PDF documents for certain accounts. Users warrant they have legal authority to receive documents electronically. Paper mailing may still occur where legally required. Wells Fargo is not responsible for non-delivery if a valid email is not maintained.

Supporting quotations

Many account documents — including statements, tax documents, and legal notices — can be delivered online for certain Eligible Accounts and Online Financial Services. You have the option to view, save, or print PDF versions of your account documents from the Website via desktop, tablet, or Mobile Device.

Any legal notices or disclosures about your Eligible Account or Online Financial Service that would normally accompany your paper account statement, or that we would mail to you, may be delivered to you electronically.

In some cases, we must continue to mail paper statements, legal notices, and disclosures even if you elect to receive them electronically. Wells Fargo is not responsible for statement non-delivery if you do not maintain a valid email address as described in Section 12(c).

By requesting that bills, statements, or other communications from us be sent to you electronically, you warrant that you have the right, power, and authority to receive them electronically.

We may add to, modify, or delete any feature of online statements and documents at our sole discretion.

Qualifications & exceptions

• Electronic delivery of legal notices authorized; paper statements may still be mailed if legally required

Account & Service Control · Procedure

Online Statement Account Eligibility Determination

Most Eligible Account statements and documents can be delivered online. Users determine specific online statement eligibility by logging into the Website.

Supporting quotations

Most Eligible Account statements and documents can be delivered online. You can determine online statement eligibility by signing on to the Website.

Qualifications & exceptions

• Account eligibility determined by logging into secure website

Account & Service Control · Procedure

Online Statement Enrollment, Email Maintenance, and Joint Account Delivery Preferences

Enrollment requires a valid email address to receive availability notifications; failing to maintain an updated email may cause revocation of online delivery and return to U.S. Mail. Many accounts come with online-only delivery automatically. Any account owner or authorized representative can change delivery preferences, binding all account owners.

Supporting quotations

Online statements and documents are available for certain Eligible Accounts or Online Financial Services if you have completed enrollment in the Service and provided us with a valid email address.

We may revoke your online-only statement and document option and change your delivery preference to U.S. Mail if you don't maintain a valid email address.

Delivery preferences can be changed by any account owner or Authorized Representative, and the new delivery preference will apply to all owners or Authorized Representatives of that account.

Depending on the Eligible Account or Online Financial Service, one or more of the following may be true:

Many Eligible Accounts and Online Financial Services automatically come with online-only delivery for statements and documents. This means you will no longer receive paper statements and documents, unless required by law or regulation. You can change your delivery preference to U.S. Mail at any time.

For Eligible Accounts or Online Financial Services that don't automatically come with online-only delivery, you can choose online-only delivery for that Eligible Account or Online Financial Service.

Qualifications & exceptions

• Delivery preference changed by any owner applies to all owners; failure to maintain valid email revokes online delivery

Account & Service Control · User right or choice

Deposit Account Online Check Images Viewing and Photocopy Requests

For deposit accounts, users may view online images of posted checks and may request mailed photocopies of canceled checks from Wells Fargo.

Supporting quotations

For deposit accounts, you may view online images of the individual checks posted to your account. You can ask us to mail a photocopy of a canceled check to you.

Qualifications & exceptions

• Online check images available for posted checks; paper photocopies available upon request

Account & Service Control · Permission or license

Electronic Tax Documents Consent Scope and October 15 Availability

Enrolled users providing a valid email can view year-end tax documents online without separate enrollment. Consenting to electronic delivery substitutes paper copies for designated tax forms across consecutive years until withdrawn. Tax forms remain available online until at least October 15 of the delivery year.

Supporting quotations

Online year-end tax documents may be available to customers with certain account types who are enrolled in the Service and provide a valid email address for the Service. You don't have to complete a separate enrollment process to view your tax documents online.

You are entitled to receive paper versions of your tax documents by U.S. Mail. By selecting Online as your delivery preference, you are consenting to receive those tax documents electronically instead.

Your consent applies to all the tax documents you have designated for Online delivery. The consent for each form designated will remain in effect for every year that form is required to be furnished until the consent is withdrawn in the manner provided below.

Tax documents will remain available to you online until at least October 15 of the year in which they are delivered for Eligible Accounts (except for closed accounts, as provided in Sections 3(d) and 12(e) of this Agreement).

Qualifications & exceptions

• Consent covers designated forms annually until withdrawn; documents accessible online until October 15

Account & Service Control · Procedure

Tax Document Electronic Consent Withdrawal Channels, Paper Copies, and Account Closure

Consent to electronic tax documents may be withdrawn online, by phone, or in writing, taking up to two business days to take effect. Brokerage tax forms (e.g. 5498, FMV) may be delivered with monthly statements. Paper copies may be requested by phone without withdrawing electronic consent. Closing accounts terminates electronic tax document delivery.

Supporting quotations

You may withdraw your consent to electronic delivery by changing your delivery preferences back to U.S. Mail from the delivery preference section of the Website, by calling customer service at 1-800-956-4442, 24 hours a day, 7 days a week (Wells Fargo Advisor accounts call 1-877-879-2495, Monday to Friday, 8:00am ET to midnight ET, or 1-866-552-3312 (WFCS Custodied brokerage accounts), Monday to Friday, 8:00am ET to midnight ET, Saturday and Sunday 9:00am ET to 6:00pm ET), or in writing to Wells Fargo Customer Correspondence, PO Box 6995, Portland, OR, 97228-6995.

Note that delivery preference changes will be reflected immediately on the Website but may take up to two Business Days to take effect.

For Brokerage, certain tax forms, 5498 and Fair Market Value information related to your accounts, may be delivered as part of your monthly account statement. If you agree to online delivery for monthly account statement documents, you also agree to online delivery for these documents.

You will receive confirmation via email of any change to your delivery preference. Should you change your delivery preference to U.S. Mail, this email will be the written confirmation of your withdrawal of consent to electronic delivery.

You may obtain a paper copy of any tax document we deliver electronically by calling customer service at 1-800-956-4442, 24 hours a day, 7 days a week; or for Wells Fargo Advisors accounts, please contact your Financial Advisor or call 1-877-879-2495, Monday to Friday, 8:00am ET to midnight ET, or 1-866-552-3312 (WFCS Custodied brokerage accounts), Monday to Friday, 8:00am ET to midnight ET, Saturday and Sunday 9:00am ET to 6:00pm ET). Requesting a paper copy of your electronically-delivered tax document does not change your delivery preference or withdraw your consent to electronic delivery.

If you close the related account or end your online banking relationship with us, tax documents will no longer be delivered to you electronically.

Qualifications & exceptions

• Preference change takes up to two business days; requesting paper copies does not withdraw consent

Account & Service Control · Procedure

Online Contact Information and Brokerage Email Updating Procedures

Users update contact info and email addresses in the Update Contact Information section of the Website. To update brokerage notification emails, users must update their email address and then configure the delivery preference section.

Supporting quotations

You may update your contact information and email address within the "Update Contact Information" section found on the Website. To change the email address associated with your brokerage notifications, once you have changed your email, then go to the delivery preference section found within the website.

Qualifications & exceptions

• Brokerage notification email updates require subsequent update in delivery preferences section

Account & Service Control · Procedure

Electronic Tax Documents Hardware, Software, and Storage Requirements

To access and retain electronic tax documents, users require a supported browser, PDF reader software (such as Adobe Acrobat Reader), a compatible computer/OS, electronic storage for digital retention, and a printer for paper retention.

Supporting quotations

describes in detail the hardware and software you need to access and print your tax documents. In summary, you will need:

a current version of an internet browser we support,

a current version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader), and

a computer and an operating system capable of supporting all of the above.

You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

Qualifications & exceptions

• Requires supported browser, PDF reader, compatible computer, and printer/storage

Account & Service Control · Company practice

Bank Reservation of Right to Communicate via U.S. Mail

Wells Fargo reserves the right at all times to communicate with users in writing using U.S. Mail regardless of chosen electronic delivery preferences.

Supporting quotations

We always reserve the right to communicate with you in writing using U.S. Mail, regardless of what other options you have chosen.

Qualifications & exceptions

• Bank reserves right to communicate via U.S. Mail regardless of electronic options selected

Account & Service Control · Company practice

Online Delivery Unilateral Termination and Email-Based Revocation

Wells Fargo may terminate online statement and document delivery for any accounts or services without notice, and may revoke online-only delivery changing preferences to U.S. Mail if a valid email address is not maintained.

Supporting quotations

We may terminate online delivery of statements and documents to you for one or more Eligible Accounts or Online Financial Services, without notice.

As provided in Section 12(c) of this Agreement, we may revoke your online-only statement and document option and change your delivery preference to U.S. Mail if you don't maintain a valid email address.

Qualifications & exceptions

• Bank may terminate online delivery without notice or revoke preference for invalid email

Account & Service Control · Restriction or exception

Financial Management Software Third-Party Licensing and Access Limits Disclaimer

Financial Management Software includes Quicken, QuickBooks Desktop, and other identified software. Users must maintain separate license agreements with software providers. Wells Fargo is not liable for access duration restrictions imposed by software provider licenses.

Supporting quotations

Financial Management Software includes: Quicken®, QuickBooks® Desktop Software, and other software we may identify on the Website.

You are responsible for obtaining a valid and separate license agreement with the provider of your Financial Management Software.

Your license agreement with the provider of your Financial Management Software may restrict the duration of your online access; we aren't liable for any such limitations or restrictions.

Qualifications & exceptions

• User responsible for software licenses; bank not liable for provider access restrictions

Account & Service Control · Company practice

Financial Management Software Data Downloads, Bill Pay Initiation, and Feature Discretion

Wells Fargo may permit downloading account information and initiating Bill Pay instructions through Financial Management Software for designated Eligible Accounts. Wells Fargo reserves the right to add, modify, or delete software access features at any time.

Supporting quotations

We may choose to let you download information into your Financial Management Software from certain Eligible Accounts.

We may also let you initiate Bill Pay instructions through your Financial Management Software. The Eligible Accounts for which these options are available will be identified on the Website.

We may also add to, modify, or delete any feature of your ability to access the Service through your Financial Management Software.

Qualifications & exceptions

• Bank reserves discretion to add, modify, or delete software access features

Account & Service Control · Procedure

Disabling Service Features Mandatory Phone Notification Requirement

Even if Financial Management Software offers options to disable Service features, users must contact Wells Fargo directly by calling 1-800-956-4442 to effectively disable any Service feature.

Supporting quotations

Your Financial Management Software may provide the option of disabling selected features of the Service. To disable any feature of the Service, you MUST contact us by calling 1-800-956-4442 with your notification.

Qualifications & exceptions

• Disabling service features requires calling 1-800-956-4442 directly

Account & Service Control · Restriction or exception

User Security Hygiene, Sole User Warranty, and Authorized/Unauthorized Usage Liability

Users agree to be the sole user of credentials, keep them confidential, maintain up-to-date OS/software/anti-virus, keep valid contact details, and sign off after sessions. Wells Fargo may rely on instructions received under user credentials, and users are liable for all service usage and fees, whether authorized or unauthorized, except as limited by consumer EFT law.

Supporting quotations

You agree that:

You are responsible for actions taken by anyone using the Service after signing in with your username and password, or any other Wells Fargo approved authentication control, except as otherwise provided by law or regulation. We are entitled to rely and act upon instructions received under your username and password.

You are responsible for keeping your username and password confidential.

You are responsible for ensuring that you have signed off from the Service when your session is complete to prevent unauthorized persons from using the Service.

You are responsible for ensuring your computer operating system, software, browser version, plug-ins, and anti-virus software are all current and up-to-date.

You are responsible for ensuring that you have a valid email address and phone number at all times.

You will be the only user of your username and password, and that you won't transfer or disclose any of this information to any other person.

You will be responsible for all usage of the Service and any fees associated with use of other services accessed through the Service on your Eligible Account, whether or not authorized by you, except as otherwise provided by law or regulation (including, to the extent applicable, the protections described in Section 5 relating to EFTs for Consumer accounts).

Qualifications & exceptions

• User warrants sole use of credentials, duty to maintain updated OS/antivirus, and liability for all usage/fees

Account & Service Control · Restriction or exception

User Information Accuracy Obligation and Identity Misrepresentation Ban

Users agree to provide true, accurate, current, and complete personal information upon request and agree not to misrepresent their identity.

Supporting quotations

You will provide true, accurate, current, and complete information about yourself as requested.

You will not misrepresent your identity.

Account & Service Control · Restriction or exception

User Responsibility for Access Equipment, Operating Software, and Telecom Services

Users are solely responsible for acquiring, configuring, and maintaining all computers, telephones, hardware, third-party software, and telecommunication services required to access the Service.

Supporting quotations

You will be responsible for and provide all computer, telephone, and other equipment, software (other than any software provided by us), and services necessary to access the Service.

Qualifications & exceptions

• Excludes bank-provided software

Account & Service Control · Company practice

Multi-Channel Account Notices and Delivery to Recorded Contact Addresses

Wells Fargo delivers Account-Related Information electronically, by phone, through mail, or by overnight courier, addressed to the record E-address, phone number, or postal address of the account owner unless an alternate address is specified.

Supporting quotations

We'll provide notices and other information regarding your Eligible Account, Online Financial Service, or the Service (collectively "Account-Related Information") electronically, by phone, through the mail (U.S. Postal Service or overnight courier), or by other means, except as expressly provided otherwise in this Agreement.

We'll send this information to the electronic address ("E-Address"), phone number, or postal address, of the owner of the applicable Eligible Account or Online Financial Service as reflected in our records, unless you specify a different E-address, phone number, or postal address.

Qualifications & exceptions

• Notices sent to contact details in bank records unless user provides alternate instructions

Account & Service Control · Procedure

Notice Effective Delivery Timing, Joint Account Sharing Duty, and Transit Risk

Bank notices are deemed delivered upon posting online, electronic transmission, or mailing, with user assuming transit risk. Delivery to one joint account owner constitutes delivery to all, and user notices to the bank take effect only upon actual receipt.

Supporting quotations

Any notice or Account-Related Information we send you will be effective, and deemed delivered to you, when posted on our Website, sent electronically, mailed, or otherwise made available to you. You assume the risk of loss in the mail or other transit.

If your Eligible Account has multiple owners, we may send Account-Related Information to any one of them. The person receiving the notice is responsible for providing copies of all Account-Related Information to all joint account owners, Delegates, or other persons with access to the applicable Eligible Account or Online Financial Service.

Any notice you send to us won't be effective until we actually receive it and have a reasonable opportunity to act on it.

Qualifications & exceptions

• User assumes risk of transit loss; delivery to one joint owner is deemed delivery to all

Account & Service Control · Procedure

Electronic Notice Delivery Channels, Website Posting, and E-Address Definition

Under ESIGN and agreement terms, written information may be delivered to user E-Addresses, posted to the bank website, or sent to secure online banking mailboxes. E-Addresses include email, internet addresses, text numbers, and electronic access identifiers.

Supporting quotations

Unless applicable law or regulation states otherwise or pursuant to the ESIGN Consent to Use Electronic Records and Signatures, when we need to provide you with information in writing, we can send it electronically:

To your E-Address (if applicable and you have provided us with a valid email address); or

By posting the information to our Website; or

To your online banking secure mailbox, or other electronic means.

E-Addresses include email addresses, other internet addresses, text messaging numbers, or other electronic access addresses provided to us in accordance with this Agreement.

Qualifications & exceptions

• Governed by ESIGN consent and applicable laws

Account & Service Control · Company practice

Consent for Calls and Texts via Autodialer and Exclusion of VoIP/Landline SMS

Providing a phone number grants consent to receive calls and texts from Wells Fargo (using autodialers, prerecorded, or artificial voice) for servicing, debt collection, and marketing. Wells Fargo does not support SMS/MMS for VoIP, prepaid, or landline numbers.

Supporting quotations

When you provide a phone number to us, you are authorized to provide this phone number(s) and agree to receive calls and text messages from Wells Fargo at this number(s) for all your current and future Wells Fargo products and services. Message and data rates may apply. Message frequency varies. Automated systems, including prerecorded or artificial voice may be used. To help protect your account security, Wells Fargo does not support SMS or MMS functionality for recognized VoIP, prepaid, or landline phone numbers. In order to receive text messages from Wells Fargo, such as one-time passcodes or suspicious activity alerts, an eligible phone number and Mobile Device are required.

You agree that we may call you and text you to service your accounts, collect any amount you may owe, or discuss our relationship, products, and services with you, as described in this Section.

Qualifications & exceptions

• Autodialers and artificial voices permitted; SMS/MMS not supported for VoIP, prepaid, or landline numbers

Account & Service Control · Company practice

Third-Party Email/SMS Transmission on User Behalf and Recipient Consent Warranty

Users authorize Wells Fargo to send emails and text messages to third parties on the user's behalf to execute instructions, warranting that third-party recipient consent has been obtained, and agreeing that messages may identify the user.

Supporting quotations

You authorize us to send emails and text messages to others on your behalf, if needed to carry out your instructions regarding an Eligible Account or Online Financial Service. You confirm and agree that you have obtained consent from the person who owns or is the current subscriber of the email address or phone number to receive the communication. These communications may identify you by name and may state that we're sending them on your behalf and according to your instructions.

Qualifications & exceptions

• User warrants obtaining prior consent from recipient owner or current subscriber

Account & Service Control · Procedure

Undeliverable Notices Protocol: Alternate Routing, Destruction, and Suspension

If account documents or electronic notifications are returned as undeliverable, Wells Fargo may halt mailings, destroy returned documents, hold documents for pickup, switch from mail to email after two failures, or suspend account access.

Supporting quotations

Unless otherwise prohibited by the laws or regulations governing your Eligible Account or Online Financial Service, this section applies if Account-Related Information documents are returned or electronic notifications are returned as undeliverable.

This means we can stop sending Account-Related Information or electronic notifications to you until you provide a valid postal or valid email to us.

We may also:

Destroy Account-Related Information sent to you and returned to us as undeliverable.

Hold the Account-Related Information for your Account for you to pick up.

Stop sending the Account-Related Information through the current delivery method and use an alternative delivery method. For example, if we're sending Account-Related Information to you via the U.S. Postal Service, and the information is returned to us as undeliverable on two or more occasions, we may attempt to deliver the information to your E-Address instead.

Suspend access to your Eligible Accounts or Online Financial Services.

If we hold Account-Related Information for you to pick up and it remains unclaimed for a period of time, we may send the Account-Related Information to the address reflected in our records for your Eligible Account or destroy it.

Qualifications & exceptions

• Mail switched to email after two undeliverable returns; account access may be suspended

Account & Service Control · Procedure

Duty to Report Contact Changes, Postal Service Updates, and Account Scope

Users must immediately report losing authorization for any contact number or address. Address changes may be triggered by user request, USPS address change notices, or address verification services, and may be applied across specific or all accounts.

Supporting quotations

You agree to notify us immediately if you no longer own or you are no longer authorized to use or share your address, E-Address, or phone number you previously provided to us. Address changes may be initiated:

At your request, you can instruct us to change the address or E-Address to which we send notices or Account-Related Information about your Account at any time.

If we get an address change notice from the U.S. Postal Service.

If another party in the business of providing correct address information notifies us that the address in our records no longer corresponds to your address.

We may act on instructions purportedly made on your behalf within a reasonable time after we receive them.

Unless you instruct us otherwise, we may change the U.S. Postal Service address or E-Address only for the account(s) you specify, or for all or some of your other account(s) with us.

Qualifications & exceptions

• Bank may update addresses based on USPS or commercial address services; applies across accounts

Account & Service Control · Procedure

Customer Support, Complaints Escalation, and Feedback Channels

Users may submit feedback, complaints, and inquiries to Wells Fargo by calling 1-844-WF1-CARE (1-844-931-2273) or through online customer care feedback forms.

Supporting quotations

Your feedback and questions matter. Share your feedback and complaints so we can better serve you, and contact us with questions:

Call 1-844-WF1-CARE (1-844-931-2273)

Visit us at

Qualifications & exceptions

• Phone support available at 1-844-WF1-CARE

Account & Service Control · Procedure

Servicing Channels, Relay Call Acceptance, and Secure Advisors Messaging Mandate

Wells Fargo provides support via mail, branch visits, phone (1-800-956-4442), and accepts relay calls (711). Users must use the dedicated secure messaging feature when transmitting confidential Wells Fargo Advisors account information.

Supporting quotations

Write to us.

Talk with a banker at any Wells Fargo banking location

For other online servicing needs, call Online Customer Service at 1-800-956-4442.

We accept all relay calls, including 711.

The Service also lets you securely communicate sensitive or confidential information for your applicable Wells Fargo Advisors accounts. Use only the secure messaging feature (if available) when sharing sensitive or confidential account information about your applicable Wells Fargo Advisors accounts.

Qualifications & exceptions

• Relay calls accepted; sensitive Advisors account info restricted to secure messaging