Online Access Agreement

Charges & Financial Obligations · Context

Definition of Business Days and Brokerage Holiday Exceptions

Defines every day as a Business Day except Saturdays, Sundays, and federal banking holidays, with brokerage accounts additionally excluding U.S. stock exchange holidays.

Supporting quotations

Every day is a Business Day except Saturdays, Sundays, and federal banking holidays.

For brokerage accounts, Business Day also excludes U.S. stock exchange holidays.

Qualifications & exceptions

• U.S. stock exchange holidays apply specifically to brokerage accounts

Charges & Financial Obligations · Context

Definition of Trust and Investment Management Accounts

Defines Trust and Investment Management Accounts as eligible investment management, trust administration, fiduciary, and certain custodial accounts maintained with Wells Fargo.

Supporting quotations

Each Wells Fargo investment management or trust account you have with us that is an Eligible Account, including trust administration, investment management, fiduciary, and certain custodial accounts.

Qualifications & exceptions

• Includes trust administration, investment management, fiduciary, and certain custodial accounts

Charges & Financial Obligations · Restriction or exception

View-Only Access and Governing Law Precedence for Trust Accounts

Trust and Investment Management Accounts are granted online access generally for view access only, with governing trust agreements and applicable trust law controlling over this Agreement in the event of conflict.

Supporting quotations

Trust and Investment Management Accounts are granted online access generally for view access only. Certain terms and conditions specified in this Agreement may not apply to Trust and Investment Management Accounts. To the extent there is a conflict between the terms and conditions of the agreements or applicable law governing Trust and Investment Accounts and this Agreement, the terms and conditions or applicable law governing the Trust and Investment Management Accounts control.

Qualifications & exceptions

• Trust and investment accounts are generally restricted to view access only

Charges & Financial Obligations · Procedure

Electronic Fund Transfer Cut-Off Times, Posting Rules, and Exceptions

EFTs completed prior to cut-off on a Business Day post same-day; after cut-off or non-business days post next Business Day; loan and card transfers may take three Business Days to process; inter-institution, brokerage, and P2P transfers follow separate posting rules.

Supporting quotations

Unless the Website or our other agreements with you say otherwise, electronic fund transfers completed through the Service before the transfer cut-off time on a Business Day will be posted to your Eligible Account the same day. Credit card, line of credit, loan, and mortgage transactions may take up to three Business Days to process, but will post as of the Business Day the transaction was made.

All transfers completed after the transfer cut-off time on a Business Day, or on a day that is not a Business Day, will be posted on the next Business Day.

Please note that electronic fund transfers:

Between financial institutions will be processed, completed, and posted by the other institution following its own rules.

To and from brokerage accounts may have different transfer cut-off times or posting times.

Initiated through the Service for person-to-person payments may have different transfer cut-off or posting times.

Qualifications & exceptions

• Credit card, line of credit, loan, and mortgage transactions may take up to three Business Days to process

Charges & Financial Obligations · Restriction or exception

Consumer EFT Scope, Regulation E Exceptions, and Unauthorized EFT Definition

Section 5 provisions apply strictly to consumer asset account EFTs governed by Regulation E; Wells Fargo may rely on Regulation E exceptions, and adopts Regulation E definitions including defining unauthorized EFTs as transfers initiated without actual authority from which the user receives no benefit.

Supporting quotations

The provisions in this Section apply only to electronic fund transfers (EFTs) that debit or credit a Consumer's checking, savings, or other asset account and are subject to Regulation E (subpart A), which implements the federal Electronic Fund Transfer Act.

When applicable, we may rely on any exceptions to the provisions in this Section that are covered in Regulation E. All terms in this Section not defined in this Agreement but defined in Regulation E will have the meaning given in Regulation E. For example, the term "unauthorized electronic fund transfer" (or unauthorized EFT) as used in this Section shall mean an electronic fund transfer from your account that is initiated by a person other than you without actual authority to initiate the transfer and from which you receive no benefit.

Qualifications & exceptions

• Applies only to consumer checking, savings, or asset accounts subject to Regulation E (subpart A)

Charges & Financial Obligations · Restriction or exception

Exclusion of Fraud-Induced Authorized Transfers from Unauthorized EFT Protections

Any transaction initiated or authorized by the user—even if induced through fraud or deceit—is legally treated as authorized and excluded from unauthorized EFT liability protections under Section 5.

Supporting quotations

A transaction you initiate or otherwise authorize, even if induced to do so through fraud or deceit, is not considered an unauthorized electronic fund transfer for purposes of this Section.

Qualifications & exceptions

• Applies even if the user was induced to authorize the transaction through fraud or deceit

Charges & Financial Obligations · Restriction or exception

Exclusion of Wire and International Remittance Transfers from Section 5

Section 5 consumer EFT provisions do not apply to wire transfers or remittance transfers (including ExpressSend and consumer international wires), which are governed separately under Section 8.

Supporting quotations

Note: Among other things, this Section does not apply to wire transfers that debit or credit a consumer’s account. This section does not apply to remittance transfers (e.g. ExpressSend® (or any successor product(s) we may offer from time to time) and consumer-initiated international wire transfers). For additional information about wire transfers or remittance transfers, please refer to Section 8 of this Agreement.

Qualifications & exceptions

• Wire and remittance transfers are governed separately under Section 8

Charges & Financial Obligations · Restriction or exception

Tiered Consumer Liability Caps for Lost or Stolen Access Devices

Consumer liability for unauthorized EFTs involving lost or stolen access devices is capped at if reported within two Business Days, up to if reported within 60 days of statement, and unlimited for transfers occurring after 60 days prior to notice.

Supporting quotations

Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:

Within two Business Days after learning of the loss or theft.

Lesser of $50, OR the total amount of unauthorized EFTs that occur before notice to us.

More than two Business Days after learning of the loss or theft of your Access Device up to 60 days after we send you a statement showing the first unauthorized transfer made with Access Device.

Lesser of $500, OR the sum of:

a) $50 or the total amount of unauthorized EFTs occurring in the first two Business Days whichever is less; AND

b) the amount of unauthorized EFTs occurring after two Business Days and before notice to us.

More than 60 days after we send you a statement showing first unauthorized EFT made with Access Device.

For transfers occurring WITHIN the 60 day period: Lesser of $500, OR the sum of: (a) $50 or the total amount of unauthorized EFTs occurring in the first two Business Days whichever is less; AND (b) the amount of unauthorized EFTs occurring after two Business Days and before notice to us.

For transfers occurring AFTER the 60 day period, you may have unlimited liability, until you notify us.

Qualifications & exceptions

• Notice within 2 Business Days caps liability at ; notice after 60 days creates unlimited liability for subsequent transfers

Charges & Financial Obligations · Restriction or exception

Consumer Liability Limits for Unauthorized EFTs Without Device Loss

When an unauthorized EFT does not involve loss or theft of an access device, the consumer has zero liability if reported within 60 days of statement, but faces unlimited liability for unauthorized transfers occurring after 60 days before notice.

Supporting quotations

Within 60 days after we send you a statement on which the unauthorized transfer first appears.

No liability.

More than 60 days after we send you a statement on which the unauthorized transfer first appears.

Unlimited liability for unauthorized EFTs occurring 60 days after the statement and before notice to us.

Qualifications & exceptions

• Zero liability applies if reported within 60 days of statement date

Charges & Financial Obligations · Company commitment

Extension of Notification Deadlines for Extenuating Circumstances

Wells Fargo will extend the reporting deadlines for unauthorized EFTs to a reasonable period if the user's delay in notifying the bank was caused by extenuating circumstances.

Supporting quotations

If your delay in notifying us was due to extenuating circumstances, we'll extend the times specified in the immediately preceding paragraphs to a reasonable period.

Qualifications & exceptions

• Extension applies when delay was due to extenuating circumstances

Charges & Financial Obligations · Context

Enhanced Liability Protections Under Debit and ATM Card Agreements

Notes that statutory Regulation E liability rules do not apply to business accounts, and separate Wells Fargo debit and ATM card agreements may offer enhanced liability protections if unauthorized card transactions are reported promptly.

Supporting quotations

Note that these liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and do not apply to business accounts. Our agreements applicable to Wells Fargo debit and ATM cards may give you more liability protection for unauthorized debit and ATM card transactions, provided you report the transactions promptly. Please see the agreement you received with your debit or ATM card, and the Eligible Account agreement.

Qualifications & exceptions

• Regulation E rules do not apply to business accounts
• Enhanced protection requires prompt transaction reporting

Charges & Financial Obligations · Procedure

Mandatory Error Notification Channels and 60-Day Statement Reporting Deadline

Users must report errors or unauthorized EFTs by phone (24/7) or paper mail within 60 days after the first statement date to limit liability; digital submission is a convenience requiring fallback to phone or mail if unconfirmed, with brokerage and trust accounts following separate agreements.

Supporting quotations

Here's how to notify us when you believe that an error, unauthorized EFT, or unauthorized transfer has been or may have been made:

Phone. 1-800-956-4442, 24 hours a day, 7 days a week.

Paper Mail. Wells Fargo Bank, N.A., P.O. Box 6995, Portland, OR 97228-6995.

We may, from time to time, also permit notifications for certain errors to be submitted digitally through the Website. However, we offer these digital services as a convenience. If at any time this functionality is unavailable or you do not receive confirmation that any such dispute was submitted – whether as a result of technical errors or for any other reason – you must notify us of your dispute at either the phone number or mailing address listed immediately above.

To notify us of errors regarding EFTs on your applicable brokerage account, follow the procedures in your brokerage account agreement. To notify us of errors regarding EFTs on an account serviced by Trust Services, contact your account team.

To limit your liability for subsequent unauthorized transfers, or to report any other errors, we must hear from you no later than 60 days after the date we send the first statement on which the problem or error first appeared.

Qualifications & exceptions

• Must be received no later than 60 days after date of first statement showing the error
• Digital reporting is convenience only; unconfirmed disputes require phone or mail notification

Charges & Financial Obligations · Company commitment

Error Investigation Timelines, Provisional Credit Rules, and Notice of Findings

Wells Fargo investigates reported errors within 10 Business Days (extendable to 45 or 90 days with provisional credit, subject to timely written confirmation), reports results within three Business Days of completion, and provides written explanations and investigation documents if no error is found.

Supporting quotations

To the extent possible, the dollar amount and date of the suspected error.

If you report a problem by phone, we may ask you to submit your complaint or question in writing within 10 Business Days. We'll determine whether an error occurred within 10 Business Days after we hear from you and will promptly correct any error. If we need more time to conduct our investigation, we’ll notify you of our need for an extension of up to 45 days. If we decide to do this, we'll provisionally credit your account within 10 Business Days for the amount you think is in error, so you can use the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and don't receive it within 10 Business Days, we may not provisionally credit your account.

We may permit you to initiate or monitor the status of certain kinds of complaints or questions electronically on the Website. Complaints or questions you initiate via the process we provide on the Website will be considered as written notification.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, our investigation may take up to 90 calendar days. For new accounts, we may take up to 20 Business Days to credit your account for the amount you think is in error.

We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, or an error occurred that is different from the one you described, we will send you a written explanation and you can ask for copies of the documents that we used in our investigation.

Qualifications & exceptions

• Provisional credit may be withheld if written confirmation is requested and not received within 10 Business Days
• Investigations for new accounts, POS, or foreign transfers may take up to 90 days

Charges & Financial Obligations · User right or choice

Preauthorized Recurring Payment Stop-Payment Rights, Notice, and Bank Liability

Consumers can stop preauthorized recurring payments by phone or mail at least three Business Days before scheduled payment (with written confirmation within 14 days if required); receive 10-day advance notice of varying amounts; and Wells Fargo is liable for losses if it fails to stop payment after timely order.

Supporting quotations

Right to stop payment: If you have told us in advance to make regular (recurring) payments out of your account, you can stop any of these payments. Here's how: Call Wells Fargo Phone Bank at 1-800-869-3557, or write to us at Wells Fargo, Customer Correspondence, P.O. Box 6995, Portland, OR, 97228-6995, in time for us to receive your request three Business Days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Please refer to the account agreement governing your Eligible Account(s) for more information. To request a stop payment on a preauthorized EFT from an applicable brokerage account, follow the procedures noted in your brokerage account agreement.

Notice of varying amounts: If the amount of these regular (recurring) payments vary, the party you are going to pay should tell you 10 days before each payment, when it will be made and how much it will be. (The party you are going to pay may allow you to choose to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

Liability for failure to stop payment: If you order us to stop one of these payments three Business Days or more before the transfer is scheduled, and we do not do so, we will pay for your losses or damages.

Qualifications & exceptions

• Stop payment request must be received three Business Days or more before scheduled transfer

Charges & Financial Obligations · Restriction or exception

Bank Liability for Incomplete Transfers and Standard Exceptions

Wells Fargo is liable for damages if it fails to complete transfers timely and correctly under the agreement, subject to specific exceptions including insufficient funds, overdraft limit exceeded, known system breakdowns, or circumstances beyond bank control.

Supporting quotations

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. For instance, we will not be liable if:

Through no fault of ours, you do not have enough money in your account to make the transfer,

The transfer would go over the credit limit on a credit account linked for Overdraft Protection,

The Service was not working properly and you knew about the breakdown when you started the transfer,

Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken, or

There is some other exception stated in any of our agreements with you.

Qualifications & exceptions

• Exceptions include insufficient funds, overdraft limit exceeded, known breakdowns, and force majeure

Charges & Financial Obligations · Restriction or exception

Per-Payment and Daily Funding Limits for Bill Pay Accounts

Specifies per-payment and daily funding caps for Bill Pay across account types ($50,000/$100,000 for checking, money market, and brokerage cash services; $25,000 for business lines of credit; $10,000 for business cards and HELOCs; $5,000 for personal lines of credit), with discretionary risk adjustments permitted.

Supporting quotations

You can arrange, at your option, for the payment of your current, future, and automatic (recurring) bills from the Eligible Accounts listed below. Please note that these Eligible Accounts, called "Bill Pay Funding Eligible Accounts," have certain payment limits, also listed below (with the exception of the Bill Pay instant payments service described in Section 6(i) below). For your security and to help manage risk, we may establish or modify limits on the amount, frequency, or type of transactions you can initiate using our payment services. These limits may vary by product, account type, transaction history, recipient, or other risk-related factors. We may adjust these limits at any time, with or without prior notice to you, unless otherwise required by applicable law or regulation. In some cases, your transaction limits may be temporarily reduced or subject to additional restrictions to protect your account and our services.

Wells Fargo checking accounts $50,000 per payment ($100,000 per payment from accounts owned by a customer with the Private Wealth experience)

Wells Fargo Money Market Checking accounts $50,000 per payment ($100,000 per payment from accounts owned by a customer with the Private Wealth experience)

Wells Fargo business credit card accounts $10,000 per payment and per day

Wells Fargo business lines of credit accounts $25,000 per payment and per day

Certain Wells Fargo home equity lines of credit accounts $10,000 per payment and per day

Certain Wells Fargo personal lines of credit $5,000 per payment and per day

Brokerage Cash Services account

Priority Credit Line

Wells Fargo Bank Priority Credit Line

$50,000 per payment ($100,000 per payment from accounts owned by a customer with the Private Wealth experience)

Qualifications & exceptions

• Limits may vary by product, account type, transaction history, recipient, or risk factors
• Wells Fargo may adjust limits at any time with or without prior notice

Charges & Financial Obligations · Restriction or exception

Self-Payment Prohibitions and Credit/Two-Signature Account Exclusions

Credit account Bill Pay payments cannot pay other Wells Fargo credit products or their own account balances; two-signature accounts cannot serve as funding accounts; and credit funding is capped at available credit.

Supporting quotations

Bill Pay payments made with an eligible credit account cannot be used to make payments on other Wells Fargo credit products. A Bill Pay Funding Eligible Account may not be used to pay any part of the balance you owe on that Bill Pay Funding Eligible Account. Eligible Accounts that require two or more signatures or authorizations to withdraw or transfer funds may not be used as a Bill Pay Funding Eligible Account. A Bill Pay Funding Eligible Account must remain linked to the Service in order to use the Bill Pay Funding Eligible Account for current, future, and automatic (recurring) Bill Pay payments.

Other than as stated above, there is no limit to the number of payments that may be authorized (except that (1) payments funded with a credit account are limited to the total of the available credit in the account when payments are made, and (2) the number of transfers from an eligible money market checking account is limited as detailed in the Wells Fargo Deposit Account Agreement).

Qualifications & exceptions

• Two-signature accounts prohibited from serving as Bill Pay funding accounts
• Credit payments limited to total available credit

Charges & Financial Obligations · Restriction or exception

Approved Geographic Scope for Bill Pay Payees and Military Checks

Bill Pay payees must be approved by Wells Fargo located in the 50 U.S. states, Guam, Puerto Rico, or the Virgin Islands, with APO/FPO military addresses paid exclusively via paper check.

Supporting quotations

You may pay any payee approved by us in the continental United States, Alaska, and Hawaii, and the following United States Territories: Guam, Puerto Rico, and the Virgin Islands. Payments to a person or business with an APO or FPO address will be made via paper check.

Qualifications & exceptions

• Payments to APO or FPO military addresses are sent via paper check only

Charges & Financial Obligations · Company practice

Payee Information Authorization, Envelope Combining, and Reformatting

Users authorize Wells Fargo to follow payment instructions and route to best-known addresses, combine paper check payments sharing addresses into single envelopes, and reformat account numbers to match payee electronic requirements.

Supporting quotations

If you give us the name and address of a payee, you authorize us to follow your payment instructions regarding that payee. In some cases, we may submit payments to the best-known payee name or address. Bill Pay payments sent via paper check with varying payee names may be combined in one envelope if those payments have the same mailing address, and the payee has not registered their full/unique mailing address with the USPS, including their secondary address designation, e.g. - Suite, Room, Floor, Dept., Building, or Unit. If we need to, we'll change or reformat your payee account number to match the account number or format required by your payee for electronic payment processing and eBill activation.

Qualifications & exceptions

• Wells Fargo may change or reformat account numbers to match electronic payee processing standards

Charges & Financial Obligations · Restriction or exception

Prohibition on Processing Third-Party Payments and Access Termination

Bill Pay is strictly for paying user bills, invoices, and payment requests; processing payments on behalf of non-owners is prohibited and grounds for termination of Bill Pay and online access.

Supporting quotations

Bill Pay is intended for your use only to pay bills, invoices, and requests for payment under Section 6(i) below, and not for any other purpose. Using Bill Pay to process payments on behalf of someone other than an owner is prohibited and will be grounds for termination of Bill Pay and your access to the Service.

Qualifications & exceptions

• Using Bill Pay on behalf of non-owners is grounds for immediate termination

Charges & Financial Obligations · Company practice

Payment Send On Date and Discretionary Insufficient Funds Remedies

Payments start processing on the Payment Send On Date; if funds are insufficient, Wells Fargo exercises sole discretion to cover via overdraft protection, pay and create an overdraft, decline, or re-attempt on the next Business Day (during which payments cannot be canceled).

Supporting quotations

The date a Bill Pay payment starts processing is referred to in this Agreement as the "Payment Send On Date." Specific details about the Payment Send On Date will be provided on the Service Web pages when you schedule a Bill Pay payment. We may, at our option, pay or refuse to make bill payments funded by checking accounts, money market accounts, or a Brokerage Cash Services account if it would create an overdraft on those accounts. This decision remains discretionary regardless of whether we’ve previously honored or dishonored overdrafts.

If we receive a bill payment drawn against your checking account, money market, or a Brokerage Cash Services account, and there are insufficient available funds in that account to cover the payment, we may at our sole discretion:

Cover the payment by transferring available credit or funds from an account you have linked for Overdraft Protection, or

Pay the bill payment and create an overdraft on your account, or

Decline the bill payment, or

Re-attempt the bill payment the following Business Day (until this second attempt is completed, the payment is pending and cannot be canceled).

Any negative balance on your Funding Account will be governed by your applicable account agreements with us and fees may apply.

Qualifications & exceptions

• Re-attempted payments remain pending and cannot be canceled until completed
• Negative balances are governed by underlying account agreements

Charges & Financial Obligations · Restriction or exception

Available Credit Requirement, Same-Day Charging, and Finance Charges

Credit-funded bill payments require sufficient available credit on the Payment Send On Date, are charged to the credit account on that date, and may incur finance charges, transaction fees, or over-limit fees under the credit account agreement.

Supporting quotations

If a Bill Pay Funding Eligible Account is an eligible line of credit or business credit card account, we don't have to make a payment unless that account has sufficient available credit to pay the bill on the Payment Send On Date. Your account's terms and conditions describe "over limit fees" that may apply to you if any bill payments, associated fees, or finance charges cause your credit account balance to exceed the credit limit.

The dollar amount of bill payments through your credit account (whether we make these payments electronically or by check) will be charged to that credit account on the Payment Send On Date.

Finance charges (such as interest and transaction fees) may apply to bill payments funded by a credit account; these charges will be shown to you during the payment scheduling process. Please see your credit account agreement and any written disclosure statements for more information.

Qualifications & exceptions

• Payments charged to credit account on Payment Send On Date
• Finance charges and over-limit fees apply under credit agreement

Charges & Financial Obligations · Company commitment

Bill Pay Payment Guarantee Applicability

Wells Fargo offers a Bill Pay Payment Guarantee that applies to Bill Pay usage under specified conditions.

Supporting quotations

Wells Fargo offers a Bill Pay Payment Guarantee that applies to the use of Bill Pay in certain circumstances.

Qualifications & exceptions

• Applies under specific circumstances set forth in the separate guarantee

Not stated here

• The full terms and conditions of the separately linked Bill Pay Payment Guarantee are not supplied in this agreement

Charges & Financial Obligations · Company commitment

Zero Monthly Service Fee for Bill Pay and Underlying Account Fees

There are no monthly service fees to use Bill Pay, though standard underlying account fees (such as monthly service or transaction fees) apply pursuant to the funding account's agreement.

Supporting quotations

There are no monthly service fees for Bill Pay. Account fees (e.g. monthly service, transaction) may apply to the Bill Pay Funding Eligible Account. For more information on the account fees, please refer to the account agreement you received when you opened your account. See further discussion on other potential fees and charges in Section 6(a) above.

Qualifications & exceptions

• Underlying account fees apply according to funding account agreement

Charges & Financial Obligations · User right or choice

Right to Stop or Change Bill Payments, Timeliness, and Paper Check Stop Limitations

Users may stop or change scheduled bill payments online or by phone before the bank becomes obligated to pay; stop payments are not guaranteed if checks are already cashed, and successful check stops take up to seven Business Days to credit.

Supporting quotations

You have the right to stop or change any scheduled bill payment, if you: (1) do so within the Bill Pay secure online session or by calling Wells Fargo Online Customer Service at 1-800-956-4442, and (2) have submitted your request in time to provide us a reasonable opportunity to act on it before we pay, cash, or otherwise become obligated to pay your bill. See Bill Pay Payment Guarantee for further information.

Stop payment requests aren't guaranteed: for example, payees can present paper check payments to their bank before the stop payment has been properly processed, and once a paper check has been cashed by the payee or credited to the payee’s account it cannot be stopped. If we successfully stop the payment of a paper check, it may take up to seven Business Days for the funds to be credited back to your account.

Qualifications & exceptions

• Stop payments on paper checks cannot be effected once cashed or credited to payee
• Crediting stopped check funds may take up to seven Business Days

Not stated here

• The specific terms of the separately linked Bill Pay Payment Guarantee referenced here are not supplied in this agreement

Charges & Financial Obligations · Procedure

Bill Pay Scheduling Rules, 7 PM Cut-Off, Stale Check Voiding, and Duplicate Suppression

Payments must be scheduled before 7pm PT for same-day processing; funds are withdrawn on the next Business Day; paper checks uncashed after 90 days are stopped and credited back; and duplicate payments scheduled to the same payee for identical amounts on the same date are automatically suppressed.

Supporting quotations

When making payments through Bill Pay, please allow enough time for your payee to receive your payment and credit your account properly. To avoid incurring a finance or other charge imposed by your payee, you must schedule a payment sufficiently in advance of the payment due date, so that the delivery date is before the payment due date.

Bill Pay payments sent by check will show the payer of the check as the "Name on Bill" you have provided for that payee record.

Payments must be scheduled before 7pm Pacific Time to be processed on that day. We will withdraw funds from your Bill Pay Funding Eligible Account on the Business Day following your Payment Send On Date (any applicable paper checks will reflect the date that funds are withdrawn). Your Available Balance may be reduced by the amount of your payment on the calendar day following your Payment Send On Date, if that day is not a Business Day. Payments scheduled from brokerage accounts, if permitted, or a Brokerage Cash Services account may have different cut-off times.

If a paper check is sent and the check is not presented for payment within 90 days, we'll stop payment on the check and credit the check amount back to your Bill Pay Funding Eligible Account.

To avoid sending duplicate Bill Pay payments, if you schedule more than one payment to the same payee for the same amount on the same date, only one payment will be sent.

Qualifications & exceptions

• Payments must be scheduled before 7pm Pacific Time for same-day processing
• Checks unpresented after 90 days are stopped and credited back

Charges & Financial Obligations · Company commitment

Bill Pay Errors and Payment Guarantee Additional Benefits

Bill Pay errors and liability are governed by Section 5 and Section 16(c), supplemented by additional benefits provided under the Bill Pay Payment Guarantee in certain circumstances.

Supporting quotations

In addition to the provisions in Section 5 above and in Section 16(c) below, please refer to our Bill Pay Payment Guarantee, which provides additional benefits in certain circumstances.

Qualifications & exceptions

• Additional benefits provided under the terms of the separate Payment Guarantee

Not stated here

• The full terms and conditions of the separately linked Bill Pay Payment Guarantee are not supplied in this agreement

Charges & Financial Obligations · Restriction or exception

Unilateral Bill Pay Termination Grounds, Data Deletion, and Payment Cancellation

Wells Fargo may terminate Bill Pay access without notice for illegal or fraudulent use, exceeding 999 payees, closing funding accounts without timely replacement, account default, bankruptcy stay, or owner death, resulting in permanent loss of payment data and cancellation of pending payments.

Supporting quotations

Wells Fargo may terminate your access to Bill Pay without prior notice:

If you use or we suspect you have used Bill Pay for other, illegal, fraudulent, or unauthorized purposes.

If you establish more than 999 payees.

If you close your checking account, Brokerage Cash Services account, Priority Credit Line, or a Wells Fargo Bank Priority Credit Line and don't timely designate a new checking account, a Brokerage Cash Services account, a Priority Credit Line, or a Wells Fargo Bank Priority Credit Line as a Bill Pay Funding Eligible Account.

For Eligible Accounts that are in default or subject to an automatic stay in bankruptcy.

Upon the death of an owner.

If Wells Fargo terminates your use of Bill Pay, your online bill payment information will be lost and all pending payments will be canceled and are your sole responsibility.

Qualifications & exceptions

• Termination may occur without prior notice
• Online bill payment information will be lost and all pending payments canceled

Charges & Financial Obligations · Company practice

Wells Fargo eBills Electronic Delivery, Convenience Status, and Joint Borrower Liability

Wells Fargo eBills deliver electronic loan and credit line statements for user convenience without altering payment obligations under underlying notes or mortgages; enrollment by any individual borrower binds all co-borrowers jointly and severally.

Supporting quotations

Wells Fargo eBills are the delivery of electronic payment statements for certain types of Wells Fargo loans and line of credit products through Bill Pay. At any time, we may change the types of Wells Fargo loans and line of credit products that are eligible for Wells Fargo eBills. You must enroll each eligible credit account individually in Wells Fargo eBills.

You understand and agree that Wells Fargo eBills are provided for your convenience, and payments due continue to be your responsibility as stated in your promissory note, line of credit agreement, mortgage, deed of trust, credit card agreement, or security agreement for each eligible credit account, as applicable.

Any individual borrower on your loan, line of credit, or account can enroll in Wells Fargo eBills. Regardless of the individual who enrolls in Wells Fargo eBills, the terms of this Agreement apply to all borrowers, individually and jointly.

Qualifications & exceptions

• Terms apply to all borrowers individually and jointly regardless of which borrower enrolls

Charges & Financial Obligations · Restriction or exception

Instant Payments Service via RTP Network, Mobile-Only Access, and Irrevocability

Instant payments via the RTP network operate mobile-only 24/7/365 with immediate account debit and delivery within seconds; once sent, payments cannot be canceled or amended, payees are not obligated to return funds even if sent erroneously or goods are undelivered, and bank obligation is strictly limited to relaying return requests.

Supporting quotations

The provisions in this Section only apply to the Bill Pay instant payments service, which may use the RTP® network operated by a third party, The Clearing House, or another third party network. If available for your participating biller/payee (payee), the Bill Pay instant payments service lets you send a payment from your Eligible Account that is an eligible Wells Fargo checking account to a participating payee in response to the payee's request for payment. We reserve the right to add additional accounts that are eligible for the Bill Pay instant payments service, in the future. The following provisions supplement your applicable Eligible Account agreement. If there is any conflict between these provisions and your Eligible Account agreement, these provisions will control with respect to the Bill Pay instant payments service.

You can access the Bill Pay instant payments service in Wells Fargo Bill Pay, only in the Wells Fargo Mobile app for smartphones and certain other devices. When you send a payment using the Bill Pay instant payments service, you authorize us to deduct the amount of the payment from your account immediately, and the funds will typically be made available to the payee within seconds, 24 hours a day, including weekends and holidays. After it is sent, an instant payment cannot be canceled or amended. You can request that a payee return funds to you, but the payee is not required to return the funds, even if you entered an incorrect amount, sent a payment to the wrong payee, or did not receive goods or services from the payee as expected. You are responsible for the accuracy of all information you enter to send a payment. If you want to request that a payee return funds that you sent through the Bill Pay instant payments service, please notify us by calling Wells Fargo Online Customer Service at 1-800-956-4442. Our sole obligation is to transmit the request to the payee's financial institution through the Bill Pay instant payments service. Any dispute between you and a payee must be resolved directly between you and the payee.

Qualifications & exceptions

• Mobile app only
• Instant payments cannot be canceled or amended once sent
• Payee is not required to return funds even if amount is incorrect or wrong payee

Charges & Financial Obligations · Restriction or exception

Maximum $50,000 Single Instant Payment Limit and Request Cap

Instant payments are capped at $50,000 per single payment, cannot exceed the payee's payment request amount, and are subject to discretionary risk-based reductions or adjustments without prior notice.

Supporting quotations

You may not make a payment that exceeds a payee's request for payment to you. You may not send more than $50,000.00 through the Bill Pay instant payments service in a single payment. For your security and to help manage risk, we may establish or modify limits on the amount, frequency, or type of transactions you can initiate using our payment services. These limits may vary by product, account type, transaction history, recipient, or other risk-related factors. We may adjust these limits at any time, with or without prior notice to you, unless otherwise required by applicable law or regulation. In some cases, your transaction limits may be temporarily reduced or subject to additional restrictions to protect your account and our services. For more details on the applicable limits for the Bill Pay instant payments service, log in to Bill Pay in Wells Fargo Mobile Banking.

Qualifications & exceptions

• Cannot exceed payee's request for payment
• Limits subject to adjustment or temporary reduction without prior notice

Charges & Financial Obligations · Restriction or exception

Instant Payment Failure and Delay Conditions and User Notice Commitment

Instant payments may fail or be delayed due to insufficient funds, rule violations, limit excesses, fraud suspicion, regulatory compliance, payee rejection, or network downtime, with Wells Fargo committing to notify users of delays or non-transmission.

Supporting quotations

A payment may fail or be delayed if:

there are insufficient funds available in your account to send the payment;

the payment does not comply with these provisions or the third party network rules;

the payment exceeds the transaction limits;

there is suspected fraud, or in order to comply with regulatory requirements;

the payee rejects it; or

the Bill Pay instant payments service is unavailable for any reason, including due to The Clearing House or another third party network (as applicable).

If a payment is delayed or we do not send it, we will notify you.

Qualifications & exceptions

• Wells Fargo will notify user if payment is delayed or not sent

Charges & Financial Obligations · Restriction or exception

Discretionary Suspension, Termination, and Modification of Instant Payments

Wells Fargo reserves the right to suspend or terminate Bill Pay access at any time for instant payment violations, and to discontinue or modify the instant payments service at any time.

Supporting quotations

We may suspend or terminate your access to Bill Pay at any time, including if we determine that you have used the Bill Pay instant payments service in a manner that violates these provisions. We may also discontinue or modify the Bill Pay instant payments service at any time.

Qualifications & exceptions

• Suspension, termination, discontinuance, or modification may occur at any time

Charges & Financial Obligations · User right or choice

Scope of Transfer and Payments Service and Account Types

The Transfer & Payments Service (excluding wires) permits transfers between internal Wells Fargo accounts, external U.S. accounts, external payments to Wells Fargo loans and cards, and non-retirement affiliate brokerage transfers, terminating upon account closure.

Supporting quotations

The "Transfer & Payments Service" (wire transfers are not a part of this service) lets you transfer funds:

Between your Wells Fargo Eligible Accounts;

Between your Wells Fargo checking and savings accounts and your accounts at other U.S. financial institutions;

From your accounts at other U.S. financial institutions to make payments to your Wells Fargo credit accounts (such as your eligible home equity lines of credit and loan accounts, credit card accounts, and auto loan and mortgage loan accounts); and

Between your brokerage accounts with Wells Fargo affiliates (excludes brokerage arrangements that are part of a retirement plan) and your accounts at other U.S. financial institutions.

In this Section, "Account(s)" refers to each of the accounts referenced above.

For brokerage clients, Wells Fargo provides the online transfer access on the Website and the brokerage affiliate transfers the money according to requests made on the Website.

If your Wells Fargo Accounts and/or Service are terminated for any reason, you will have no further right or access to use the Transfer & Payments Service.

Qualifications & exceptions

• Wire transfers are excluded from this service
• Excludes brokerage retirement plan accounts
• Access terminates if Wells Fargo accounts or service are terminated

Charges & Financial Obligations · Restriction or exception

Payment Delays and Alternate Payment Requirement During Account Verification

Account validation may delay payments to Wells Fargo credit accounts, requiring users to utilize alternative payment methods in the interim to avoid late fees or charges.

Supporting quotations

This could delay your payments to your Wells Fargo credit accounts and you may need to use alternate ways to make payments in the meantime to avoid late fees and/or other charges.

Qualifications & exceptions

• Users may need to use alternate payment methods during verification to avoid late fees

Charges & Financial Obligations · Restriction or exception

Independent External Bank Relationships and Non-Responsibility for Third-Party Fees

Relationships with external financial institutions remain independent of Wells Fargo; Wells Fargo disclaims responsibility for external bank acts, omissions, account modifications, service interruptions, or third-party validation and overdraft fees.

Supporting quotations

At all times your relationship with each non-Wells Fargo U.S. financial institution is independent of Wells Fargo and your use of the Transfer & Payments Service. We will not be responsible for any acts or omissions by the non-Wells Fargo U.S. financial institution, including any modification, interruption, or discontinuance of any Account by such financial institution or by any other third party, or any fees (including overdraft) that the non-Wells Fargo U.S. financial institution may charge you during the validation process described in Section 7(b) above.

Qualifications & exceptions

• Wells Fargo is not responsible for external bank acts, omissions, or fees

Charges & Financial Obligations · Company practice

Discretionary Approval for Advanced Transfer Features and Rejection of Suspicious Transfers

Wells Fargo reserves sole discretion to approve or decline access to additional transfer features (such as next-day or higher-limit services) and to decline any transfer identified as irregular, suspicious, or in violation of law.

Supporting quotations

Type of Transfers. We may add new features to the Transfer & Payments Service, including a next day service and a higher limit service. You will be approved or declined for any such additional service at our sole discretion and additional terms and conditions may apply. We may at any time decline a fund transfer that we believe may violate applicable law or regulation, including those we identify as irregular or suspicious, in our sole discretion.

Qualifications & exceptions

• Approval for additional services is at Wells Fargo sole discretion
• Transfers identified as irregular or suspicious may be declined at any time

Charges & Financial Obligations · Restriction or exception

Transfer Frequency and Dollar Limits, Post-Reinstatement Reductions, and Risk Adjustments

Transfers are subject to dollar and frequency limits set by account agreements and service caps, may be permanently reduced following service suspension and reinstatement, and may be modified or restricted at any time without prior notice based on risk factors.

Supporting quotations

Limits on Frequency and Dollar Amount of Transfers. The account agreement for the relevant Account may provide transfer limits. You may not make fund transfers in excess of dollar limits for the Transfer & Payments Service. We reserve the right to change the dollar amount of fund transfers you are permitted to make using our Transfer & Payments Service. In the event that your use of the Transfer & Payments Service has been suspended and reinstated as provided below (see Section 7(g) Suspension, Reinstatement, and Termination), you understand and agree that your use of the Transfer & Payments Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. For your security and to help manage risk, we may establish or modify limits on the amount, frequency, or type of transactions you can initiate using our payment services. These limits may vary by product, account type, transaction history, recipient, or other risk-related factors. We may adjust these limits at any time, with or without prior notice to you, unless otherwise required by applicable law or regulation. In some cases, your transaction limits may be temporarily reduced or subject to additional restrictions to protect your account and our services.

Qualifications & exceptions

• Reinstated users may be subject to lower dollar limitations
• Limits may be modified or temporarily reduced at any time without prior notice

Charges & Financial Obligations · Company practice

Bank Discretion to Retry Failed Transfers, Decline Orders, or Refuse Cancellation

Wells Fargo is not obligated to retry incomplete transfers, will notify users to contact their external bank upon failure, and reserves the right to decline, cancel, or refuse transfer instructions, changes, or cancellations.

Supporting quotations

Failure or Rejection of Transfers. Upon learning that the fund transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the fund transfer fails, we will notify you to contact your non-Wells Fargo financial institution to learn more about the failure.

We reserve the right to decline or cancel any funds transfer. We also reserve the right to decline: (i) to submit fund transfer instructions or orders, or (ii) to carry out change or cancellation requests.

Qualifications & exceptions

• Wells Fargo is not required to retry failed transfers
• Right to decline transfer instructions or cancellation requests

Charges & Financial Obligations · Restriction or exception

Sufficient Funds Warranty, External Fee Liability, and Discretionary Overdraft Handling

Users warrant sufficient external account balances and bear sole responsibility for third-party overdraft fees; for Wells Fargo accounts, the bank exercises sole discretion to cover via overdraft protection, create an overdraft, or decline the transfer regardless of past practice.

Supporting quotations

You represent and warrant to us that you have enough money in the non-Wells Fargo Accounts to make any funds transfer you request that we make on your behalf through the Transfer & Payments Service, and you are solely responsible for any fees or other penalties that may be assigned by your financial institution for a funds transfer that exceeds your non-Wells Fargo Account balance(s). If we receive a transfer request against your Wells Fargo Account and there are not enough available funds in your Account to cover the transfer, we may at our sole discretion:

Cover the transfer in accordance with the terms of any written Overdraft Protection plan that you and we have established;

Cover the transfer and create an overdraft to your Account; or

Decline the transfer.

We may make this decision regardless of whether we may have previously honored or dishonored overdrafts. Fees may vary depending on the action we take. Any negative balance on an Account with Wells Fargo is governed by the applicable agreement for that Account, including fees that may apply.

Qualifications & exceptions

• User solely responsible for external bank fees for transfers exceeding balance
• Discretionary decision applies regardless of whether overdrafts were previously honored

Charges & Financial Obligations · Permission or license

Transfer Instruction Authorization and Clearing System Rules

Transfer instructions constitute authorization for Wells Fargo to complete the transfer and select any execution means (ACH, check, or other clearing service). The user agrees to be bound by applicable clearing system rules and laws, such as Nacha rules or UCC Article 4A.

Supporting quotations

You agree that your transfer instructions are the authorization for us to complete the fund transfer.

You authorize us to select any means to execute your fund transfer instructions, such as the Automated Clearing House (ACH), check, or other clearing service.

You will be bound by the rules, laws, and regulations that govern the applicable fund transfer systems, such as ACH rules as published by the National Automated Clearinghouse Association (Nacha) or Article 4A of the Uniform Commercial Code.

Qualifications & exceptions

• Subject to Nacha rules and UCC Article 4A

Charges & Financial Obligations · Restriction or exception

Transfer Hold Discretion and Interest Ownership

Wells Fargo commits to reasonable efforts to process transfer requests timely, but reserves discretion to hold funds pending settlement or to cover unpaid returned items. Interest earned during hold belongs to Wells Fargo for bank accounts, and remains in brokerage accounts.

Supporting quotations

We will make all reasonable efforts to process your transfer requests in a timely manner;

however, we reserve the right to hold funds pending settlement or for such period of time as we deem necessary, in our sole discretion, to cover items which may be returned unpaid.

For Wells Fargo Accounts, any interest earned on such funds during the hold period will remain the property of Wells Fargo.

For brokerage Accounts at a Wells Fargo affiliated broker-dealer, any interest will remain in the brokerage Account.

Qualifications & exceptions

• Interest during hold remains property of Wells Fargo for bank accounts

Charges & Financial Obligations · Permission or license

ACH Transfer Holds and Returned Item Debit Authority

For ACH debits from non-Wells Fargo accounts crediting Wells Fargo accounts, funds are generally held 3-4 business days. Longer holds or fund returns may occur if deemed irregular or suspicious. If an ACH transaction is returned unpaid after crediting, the user authorizes debiting their account for the item and return fees.

Supporting quotations

To complete your fund transfer, we may utilize ACH transfers or another third party network which will result in a debit to one of your Accounts and a credit to another of your Accounts.

All Wells Fargo ACH transfers go through a Wells Fargo transfer account.

For ACH debit entries that debit your non-Wells Fargo account and credit your Wells Fargo Account, Wells Fargo Bank generally holds those funds for 3-4 business days to make sure that the funds will not be returned unpaid before we credit your Wells Fargo Account.

Longer holds may apply, or we may return the funds to the sending bank and not make the funds available to your Wells Fargo Account, if we – in our sole discretion – believe the transfer is irregular or suspicious.

If the ACH transaction is returned for any reason and the payment has been credited to your Account, you authorize us to debit your Account, in whole or in part, for the amount of the returned item and any applicable fees resulting from the return.

Qualifications & exceptions

• Inbound ACH debits held 3-4 business days or longer if irregular

Charges & Financial Obligations · Permission or license

Transfer Service Fees, Advance Notice, and Debit Authorization

Wells Fargo may charge fees for the Transfer & Payments Service or additional features. Notice of fees is provided in advance of the transaction, and proceeding authorizes debiting the account for the fee amount. Mobile carrier message/data rates may also apply.

Supporting quotations

Depending on the type of transfer or the type of Wells Fargo Account, we may charge fees for the use of the Transfer & Payments Service, and for any additional services or features that we may introduce.

We will notify you of such charge in advance of the transaction. If you choose to proceed with the transaction, you authorize us to debit your Account in the amount indicated.

You agree to pay all fees associated with the use of the Transfer & Payments Service.

See online Fee Information for more information about potential fees.

Note that your mobile carrier’s message and data rates may apply.

Qualifications & exceptions

• Advance notice given before debiting account for fees

Not stated here

• The text of the linked Fee Information schedule is not supplied in this agreement

Charges & Financial Obligations · Restriction or exception

Account Number Only Execution and Name Discrepancy Disclaimer

If transfer instructions identify a bank or beneficiary by both name and account number, Wells Fargo and the relevant financial institution may execute instructions relying solely on the account number, with no obligation to investigate name/number discrepancies.

Supporting quotations

If the instructions for a transfer under the Transfer & Payments Service identify a bank or beneficiary by name and account number, we or the relevant financial institution may execute those instructions by reference to the account number only, even if the account number does not correspond to the name.

You agree that neither we nor the relevant financial institution will have responsibility to investigate discrepancies between names and account numbers.

Qualifications & exceptions

• Institutions have no duty to investigate discrepancies between names and account numbers

Charges & Financial Obligations · Company commitment

Bank Responsibility and Remedy for Improper or Misdirected Fund Transfers

If Wells Fargo fails to provide a transfer instruction on time, removes an incorrect amount, or transfers funds to the wrong account, Wells Fargo is responsible for returning improperly transferred funds and directing misdirected funds to the proper account.

Supporting quotations

If we do not provide a fund transfer instruction on time, if we cause an incorrect amount to be removed from an Account or if we cause funds from an Account to be transferred to any account other than the Account specified in the applicable fund transfer instruction, we shall be responsible for returning the improperly transferred funds and/or for directing any misdirected funds to the proper Account.

Qualifications & exceptions

• Remedy is returning improperly transferred funds or redirecting misdirected funds

Charges & Financial Obligations · Restriction or exception

Wire Order Inconsistent Name and Number Reliance and User Information Accuracy

If a wire Order describes a beneficiary or financial institution inconsistently by name and identification/account number, processing may rely solely on the number. The user is responsible for complete and accurate numbers (e.g. IBAN, RTN, SWIFT BIC) and required payment reasons, bearing risk of lost transfer amounts.

Supporting quotations

If an Order describes the person to receive the wire transfer ("Beneficiary") inconsistently by name and account number, both Wells Fargo and the Beneficiary’s bank will process the wire transfer on the basis of the account number even if the account number identifies a person different from the Beneficiary.

If a wire transfer request describes a financial institution inconsistently by name and identification number, the identification number may be relied upon as the proper identification of the financial institution.

You acknowledge that you are responsible for providing Wells Fargo with all information required by the Beneficiary's bank, including the reason for payment, if required.

You further acknowledge the Beneficiary account number and Beneficiary's bank identification number (e.g., IBAN, RTN, IRC, and/or SWIFT BIC) you provide in connection with an Order will be complete and accurate, and you understand you could lose the transfer amount if the information is incorrect.

Qualifications & exceptions

• Processing relies on account number or institution identification number even if inconsistent with name

Charges & Financial Obligations · Permission or license

Wire Transmission Methods, Intermediaries, and System Operating Rules

Wells Fargo may transmit Orders by wire, telegraph, telephone, or cable directly or through intermediary banks, government agencies, or chosen clearing systems, but will not execute orders contravening U.S. sanctions or export laws. Orders are governed by Section 8, the agreement, account terms, state/federal law, and fund transfer system operating rules.

Supporting quotations

We may send an Order by wire, telegraph, telephone, cable, or whatever other transmission method we consider to be reasonable.

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, U.S. sanctions and export control laws.

Wells Fargo may transmit an Order directly to the Beneficiary's bank, or indirectly to the Beneficiary's bank through another bank, government agency, or other third party that Wells Fargo considers to be reasonable.

You agree that your Order will also be governed by the applicable operating rules and other governing documents for the applicable funds transfer system. If there is a conflict between those operating rules and the provisions in Section 8, these provisions will govern.

Our rights and obligations regarding Orders will be governed solely by the provisions in Section 8, this Agreement, your Wires Funding Eligible Account agreement, and, to the extent applicable, federal law and the state laws governing your account.

Qualifications & exceptions

• No obligation to honor payment orders contravening U.S. sanctions or export control laws

Charges & Financial Obligations · Company practice

Online Wire Transaction Limits and Discretionary Adjustments

Online wire limits are based on bank account type or relationship, with daily or rolling 30-day restrictions. Wells Fargo may establish, reduce, or modify limits on amount, frequency, or type at any time with or without prior notice based on risk factors.

Supporting quotations

Online wire transaction limits are determined by your bank account type or banking relationship. The limits may have daily and/or rolling 30-day restrictions to protect your account.

For your security and to help manage risk, we may establish or modify limits on the amount, frequency, or type of transactions you can initiate using our payment services.

We may adjust these limits at any time, with or without prior notice to you, unless otherwise required by applicable law or regulation.

In some cases, your transaction limits may be temporarily reduced or subject to additional restrictions to protect your account and our services.

Qualifications & exceptions

• Limits may be modified at any time with or without prior notice

Charges & Financial Obligations · Restriction or exception

Unpaid Wire Refund Conditions and Intermediary Fee Deductions

If the beneficiary bank does not pay the beneficiary, a refund is issued only after receiving confirmation of effective cancellation and free possession of the funds. Charges assessed by intermediary or beneficiary banks are deducted from the refund.

Supporting quotations

If the Beneficiary's bank does not pay the Beneficiary specified on the Order, a refund will be made only if, and after, we receive confirmation of the effective cancellation of the Order and we are in free possession of the funds debited or earmarked in connection with the Order.

Any charges assessed by the Beneficiary bank or intermediary bank related to the return will be deducted from any refund.

For refunds of Orders payable in Foreign Currency, please see Section 8(k) below, for additional information. For additional terms governing Outgoing Consumer International Wires, please see Section 8(l) below.

Qualifications & exceptions

• Refund contingent on confirmation of cancellation and bank's free possession of funds

Charges & Financial Obligations · Company commitment

Wire Under-Transfer and Over-Transfer Liability and Interest Cap

If Wells Fargo under-transfers an Order, its sole liability is to correct the error under applicable law. If it transfers in excess of the Order amount without originator benefit, liability is limited to the excess principal and up to 20 calendar days of lost interest computed at the Federal Funds rate.

Supporting quotations

If Wells Fargo is notified that it did not transfer the full amount stated in an Order, Wells Fargo's sole liability will be to correct the error as required by applicable law.

If Wells Fargo executes an instruction in excess of the amount stated in an Order, to the extent that you, as the originator of the Order (the "Originator") do not receive the benefit of the Order, Wells Fargo will only be liable for any loss of the principal amount transferred in excess of the amount stated in the Order instructions.

Additionally, Wells Fargo will be liable for the amount of interest the Originator has lost due to the transfer of the excess amount, computed at the then current Federal Funds rate. However, Wells Fargo's liability for loss of interest shall be limited to twenty (20) calendar day's interest.

Qualifications & exceptions

• Interest liability capped at 20 calendar days at Federal Funds rate

Charges & Financial Obligations · User right or choice

Preauthorized Wire Scheduling and Timely Delivery Requirement

Users may schedule Preauthorized Orders for recurring or future-dated Wire Transfers. Users must schedule sufficiently in advance of recipient payment due dates so the delivery date precedes the due date to avoid finance charges.

Supporting quotations

You may schedule Orders (“Preauthorized Orders”) for recurring or future-dated Wire Transfers (“Preauthorized Wire Transfers”).

When submitting Preauthorized Orders, please allow enough time for your recipient to receive your Preauthorized Wire Transfer.

To avoid incurring a finance or other charge imposed by your recipient, you must schedule a Preauthorized Order sufficiently in advance of the payment due date, so that the delivery date is before the payment due date.

Qualifications & exceptions

• User must schedule sufficiently in advance so delivery date precedes payment due date

Charges & Financial Obligations · Restriction or exception

Wire Order Finality, Cancellation Exceptions, and Bank Rejection Discretion

Wire Orders are final and non-cancelable, except for a 30-minute window for Outgoing Consumer International Wires and Preauthorized Wire Transfer cancellation windows. Wells Fargo may attempt cancellation at user request without liability, and may cancel or reject Orders in its sole discretion based on confidential information.

Supporting quotations

Except for the 30-minute cancellation window for Outgoing Consumer International wires set forth below and the cancellation window for Preauthorized Wire Transfers described below, an Order is final and cannot be canceled or changed by you.

However, at your request, Wells Fargo can attempt to cancel or change an Order, but we will not be liable if we are unable to do so.

You authorize Wells Fargo to cancel or reject an Order, in our sole discretion, without liability to you. You understand and agree that Wells Fargo’s decision to cancel or reject an Order may be based on confidential information that we may not be able to share with you.

Nothing herein creates a duty for Wells Fargo to monitor or review wires beyond that which is required under applicable law.

Qualifications & exceptions

• Orders final except for 30-minute consumer international wire window and preauthorized windows

Charges & Financial Obligations · User right or choice

Preauthorized Wire Transfer Cancellation Timing and Methods

Preauthorized Wire Transfers in pending status cannot be canceled or stopped. Users may cancel before the process date or cut-off time, canceling either the next scheduled transfer or the entire schedule. Future transfers must be rescheduled. Cancellation is available on the Website or by calling 1-800-956-4442.

Supporting quotations

Preauthorized Wire Transfers that are in pending status cannot be canceled or stopped.

You may cancel Preauthorized Wire Transfers as long as we receive the request before the process date or other applicable cut-off time of the one-time Preauthorized Wire Transfer or the next scheduled recurring Preauthorized Wire Transfer.

For recurring Preauthorized Wire Transfers associated with a Preauthorized Order, you may cancel only the next scheduled Preauthorized Wire Transfer or the entire recurring Preauthorized Wire Transfer schedule for that Preauthorized Order.

After the Preauthorized Wire Transfer schedule for a Preauthorized Order is canceled, all future Preauthorized Wire Transfers associated with that Preauthorized Order will be canceled and you must schedule a new Preauthorized Order if you want Preauthorized Wire Transfers to be made in the future.

You may cancel Preauthorized Wire Transfers by logging on to the Website or by contacting us at Wells Fargo Online Customer Service at 1-800-956-4442.

Qualifications & exceptions

• Pending preauthorized wires cannot be canceled or stopped

Charges & Financial Obligations · Permission or license

Wire Transfer Fees, Taxes, and Intermediary Fee Deduction Authority

Users agree to pay disclosed Wire Transfer fees, current fee schedule charges, applicable taxes, and additional fees. Fees may be charged to funding accounts or deducted directly from transfer amounts, including fees assessed by intermediary and beneficiary banks.

Supporting quotations

You agree to pay the Wire Transfers 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 Wire Transfers (exclusive of taxes based on net income of Wells Fargo), as well as any other additional fees that may apply.

Additional fees can be charged to the Wires Funding Eligible Account or deducted from the transfer amount, as applicable, and may include, but are not limited to: an additional fee for bank initiated transactions, statement fees, fees assessed by beneficiary and intermediary banks, etc.

Note that your mobile carrier's message and data rates may apply.

Qualifications & exceptions

• Additional fees may be charged to funding account or deducted from transfer amount

Charges & Financial Obligations · Procedure

Foreign Currency Wire Conversion and Beneficiary Currency Verification

Orders in U.S. Dollars are transmitted in USD unless foreign currency conversion is requested prior to execution. Users must confirm the beneficiary can receive the selected currency; mismatched currencies may cause rejection or additional fees and conversion charges.

Supporting quotations

An Order expressed in U.S. Dollars will be sent in U.S. Dollars. You may request that prior to executing an Order, Wells Fargo convert the amount to be transferred from U.S. Dollars to the currency of a designated foreign government or intergovernmental organization ("Foreign Currency").

Prior to initiating a wire, you should confirm that your beneficiary can receive the currency you select in your Order. If you do not do so, your Order may be rejected or additional fees and currency conversion charges may apply, if the beneficiary's account is in a different currency.

Qualifications & exceptions

• Mismatched beneficiary currency may cause order rejection or additional fees

Charges & Financial Obligations · Company practice

Foreign Exchange Rate Markup, Discretionary Pricing, and Counterparty Disclosure

Wells Fargo earns profit on currency conversion through an exchange rate set at its sole discretion that includes a markup separate from applicable fees. Exchange rates fluctuate, differ across customers/channels, and Wells Fargo acts as an arms-length counterparty with discretion to refuse foreign exchange transactions.

Supporting quotations

In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you.

The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup.

The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees.

The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar.

Wells Fargo is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.

Qualifications & exceptions

• Exchange rates set in sole discretion including markup; Wells Fargo acts as arms-length counterparty

Charges & Financial Obligations · Company practice

Incoming Foreign Currency Wire Conversion Without Prior Notice

Incoming foreign currency wire transfers credited to user accounts are automatically converted into U.S. dollars using the applicable exchange rate without prior notice.

Supporting quotations

Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you.

Qualifications & exceptions

• Converted automatically without prior notice using applicable exchange rate

Charges & Financial Obligations · Restriction or exception

Returned International Wire Exchange Rate Risk and Intermediary Fee Deductions

Returned outgoing international wires may result in credited amounts lower than originally debited due to intermediary/return fee deductions and unfavorable foreign exchange rate fluctuations. Users bear exchange rate risks, and Wells Fargo is not liable for sums exceeding original debited amounts.

Supporting quotations

If your outgoing international wire transfer is returned to Wells Fargo, you may be credited back a lesser amount than the amount that was originally debited for your initial outgoing wire transfer.

Fee(s) may be charged by Wells Fargo or other financial institutions (for instance, by beneficiary and intermediary banks) when a wire is returned. As a result, the amount of your returned wire may be different than the amount you originally sent due to fees deducted.

In addition, when a returned foreign currency wire is converted back to U.S. dollars, the U.S. dollar amount credited back to you may be less than the original amount we debited from your account due to fluctuation in the applicable exchange rate. You accept the risks of any unfavorable change in the applicable exchange rate.

Wells Fargo will not be liable to you for a sum in excess of the amount that was originally debited for your initial outgoing wire transfer after it has been converted back to the original currency, even if there are favorable changes in the foreign exchange markets.

Qualifications & exceptions

• User assumes risk of unfavorable exchange rate changes on returned wires; return fees deducted

Charges & Financial Obligations · Company commitment

Consumer International Wire Pre-Payment Disclosures and Transaction Receipt

Prior to sending an Outgoing Consumer International Wire, Wells Fargo provides pre-payment disclosures including transfer amounts, bank and third-party fees, taxes, exchange rates, and beneficiary received amounts (in foreign currency if applicable). After completion, a receipt is issued with availability dates and error resolution rights.

Supporting quotations

Prior to sending an Outgoing Consumer International Wire, Wells Fargo will provide you with certain important disclosures regarding your transaction including, to the extent applicable: the amount that will be transferred to the Beneficiary, a description of any fees and taxes imposed by Wells Fargo, the total amount of the transaction, the exchange rate to be used if applicable, the amount to be transferred, a description of any fees imposed by third parties, and the amount that will be received by the Beneficiary.

If you choose to send your Order in Foreign Currency, the amount to be transferred, a description of any fees imposed by third parties, and the amount that will be received by the Beneficiary will be disclosed in the Foreign Currency.

Once you complete your transaction, you will receive a receipt that includes the above information, as well as the date of availability, error resolution and cancellation right information, and other disclosures.

Qualifications & exceptions

• Pre-payment disclosures and post-transaction receipt required by federal remittance rules

Charges & Financial Obligations · User right or choice

Consumer International Wire 30-Minute Cancellation Right and Full Refund

Users have the statutory right to cancel an Outgoing Consumer International Wire for a full refund of all amounts paid (including fees) within 30 minutes of completing the transaction, via the online 'Cancel' option or the phone number on the receipt.

Supporting quotations

You have a right to cancel an Outgoing Consumer International Wire for a full refund of all amounts paid, including fees, within 30 minutes of completing it.

To cancel, either select the available "Cancel" option within Wire Transfers, or call the cancellation phone number provided to you on your receipt at the time of your request.

Qualifications & exceptions

• Full refund including fees if canceled within 30 minutes of completion

Charges & Financial Obligations · Permission or license

Mobile Deposit Service Scope and Check Photo Processing Authorization

The Mobile Deposit Service enables users to deposit funds into eligible checking or savings accounts using the Wells Fargo Mobile app on eligible mobile devices by submitting photos of the front and back of endorsed eligible checks, authorizing Wells Fargo to process them.

Supporting quotations

The Wells Fargo Mobile Deposit Service ("Mobile Deposit Service") allows you to make a deposit directly into your eligible checking or savings account using the Wells Fargo Mobile app for eligible Mobile Devices.

Mobile Deposit Service allows you to submit photos of the front and back of your endorsed, eligible check, which you authorize us to then process.

Qualifications & exceptions

• Requires eligible mobile device, eligible account, and properly endorsed eligible check

Charges & Financial Obligations · Company practice

Mobile Deposit Limits and Discretionary Risk-Based Adjustments

Wells Fargo establishes deposit limits displayed per Eligible Account. The bank reserves the right to modify amount, frequency, or transaction limits at any time with or without prior notice based on risk factors, and may temporarily reduce limits to protect accounts and services.

Supporting quotations

We set limits on the amount you can deposit via our Mobile Deposit Service, which will be shown for each Eligible Account. Mobile deposit limits may differ for each Eligible Account.

You must comply with any restrictions or dollar limits on the Mobile Deposit Service as we may communicate to you from time to time.

We may adjust these limits at any time, with or without prior notice to you, unless otherwise required by applicable law or regulation.

In some cases, your transaction limits may be temporarily reduced or subject to additional restrictions to protect your account and our services.

Qualifications & exceptions

• Limits may differ by account and may be adjusted at any time with or without prior notice

Charges & Financial Obligations · Permission or license

Mobile Deposit Service Fee Exemption and Business Account Fee Disclosures

Wells Fargo does not charge a fee to use the Mobile Deposit Service, though standard account and transaction fees may apply to certain business accounts as set forth in business account fee disclosures. Mobile carrier message and data rates may apply.

Supporting quotations

We do not charge a fee to use the Mobile Deposit Service. However, account fees (e.g., transaction) may apply to certain business accounts. Refer to your applicable business account fee disclosures for more information.

Note that your mobile carrier's message and data rates may apply.

Qualifications & exceptions

• No service fee for mobile deposit; business account transaction fees and carrier data rates may apply

Charges & Financial Obligations · Procedure

Eligible Check Types and Restrictive Endorsement Requirements

Only checks, money orders, cashier's checks, or AmEx traveler's checks payable in U.S. dollars and drawn on U.S. banks can be deposited. Checks must be payable to and endorsed by the account owner with 'For Mobile Deposit at Wells Fargo Only' written below signature prior to capturing photos.

Supporting quotations

You can deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business, and most government checks.

Only checks, money orders, cashier's checks, or American Express traveler's checks, drawn on or payable at or through a U.S. bank, can be transmitted through the Mobile Deposit Service.

Checks must be payable to, and endorsed by, the account owner for the Eligible Account, as follows: before check photos are taken, the back of the check must be signed with "For Mobile Deposit at Wells Fargo Only" written below your signature (or if available, check the box that reads: "Check here if mobile deposit").

Qualifications & exceptions

• Must be payable to account owner and endorsed with 'For Mobile Deposit at Wells Fargo Only'

Charges & Financial Obligations · Restriction or exception

Ineligible Items and Excluded Deposit Instruments

Certain items are expressly excluded from the Mobile Deposit Service, including international checks, savings bonds, postal money orders, remotely created checks, electronically created items, convenience checks, non-AmEx traveler's checks, cash, illegible checks, and duplicate checks.

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Checks and other items that are NOT eligible for the Mobile Deposit Service include: international checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), electronically created items (items created electronically and not derived from a paper check), convenience checks (checks drawn against a line of credit), non-American Express traveler's checks, cash, checks that are illegible or contain MICR data that is not machine-readable, and duplicate checks.

Qualifications & exceptions

• Prohibits international checks, savings bonds, postal money orders, electronic items, convenience checks, and cash

Charges & Financial Obligations · Procedure

Post-Deposit Check Front Marking, 5-Day Retention, and Destruction Duty

After completing a mobile deposit, the user must write 'mobile deposit' and the full deposit date on the front of the check, store the original check securely for 5 days, and then destroy it.

Supporting quotations

After depositing your check using mobile deposit, you must:

Write "mobile deposit" and the date on the front of your check. The date should be the month, day, and year of your deposit; and

Securely store your check for 5 days after your deposit, and then destroy it. This allows sufficient time in case the original check is required for any reason.

Qualifications & exceptions

• Must write 'mobile deposit' and date on front, securely store for 5 days, then destroy

Charges & Financial Obligations · Company practice

Mobile Deposit Business Day Cutoff Times and Funds Availability Schedule

Checks deposited before established cutoff times on Business Days are considered received that day; deposits after cutoff or on non-business days roll to the next business day. The first $400 is generally available on the deposit day, though in some cases availability of the initial $400 or remaining funds is delayed beyond the first business day.

Supporting quotations

Subject to the conditions for eligibility, if you deposit a check before our established cutoff time on a Business Day, we will consider that day to be the day the deposit is received by us. However, if you deposit a check after our cutoff time or on a non-Business Day, we will consider the day your deposit is received by us to be the next Business Day.

Please see the Mobile Deposit FAQs for further information.

The first $400 of a business day's check deposits with the Wells Fargo Mobile® app will generally be available on the day we receive the deposits. In some cases, we will not make the first $400 of a business day’s check deposits available to you on the day we receive the deposits.

Further, in some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit.

Qualifications & exceptions

• First $400 generally available on deposit day; bank reserves right to hold initial $400 or all funds longer in certain cases

Not stated here

• The text of the linked Mobile Deposit FAQs is not supplied in this agreement

Charges & Financial Obligations · Company practice

Mobile Deposit Extended Holds, Pre-Submission Notice, and Available Balance Display

Wells Fargo may place extended holds on mobile deposits. If a hold is applied at deposit time, notice with funds availability timing is provided before submission, allowing cancellation. Deposits are available when appearing in online available balance, which may exclude unposted checks or pending debit card holds.

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Some checks can take longer to process, so we may need to hold some or all of the deposit for a little longer. If – at the time of deposit – we are going to hold any portion of your deposit, we will notify you of the hold (including when funds will be available) before you submit your deposit, and you can cancel your deposit at that time.

Note that there could be other holds on funds after a deposit. In such case, you will receive notification from us. Please see your deposit account agreement for further information.

You'll know that your deposit is available when the amount appears online in the available balance of the Eligible Account you selected when you submitted your mobile deposit.

This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant.

Qualifications & exceptions

• User notified of hold prior to submission with option to cancel

Charges & Financial Obligations · Permission or license

Paze Service Fee Exemption and Card Account Fees Application

Wells Fargo does not charge a fee for using Paze. However, transactions conducted through Paze remain subject to underlying card account terms and fees. Mobile carrier message and data rates may apply.

Supporting quotations

We do not charge a fee for using Paze. However, card transactions made through Paze are subject to the terms, conditions, and Eligible Account agreements applicable to your Wells Fargo card, which apply with the same effect and coverage, including any fees.

Note that your mobile carrier's message and data rates may apply.

Qualifications & exceptions

• No fee for Paze service; underlying card fees and carrier data rates apply

Charges & Financial Obligations · Permission or license

Financial Management Software Bank Fee Exemption and Third-Party Carrier Charges

Wells Fargo charges no fees for using Financial Management Software. Internet, phone, or mobile service providers may assess and bill separate connectivity charges.

Supporting quotations

There are no fees from us to use Financial Management Software. Note that your internet, telephone, and/or mobile device service provider may assess fees and bill them separately.

Qualifications & exceptions

• No bank fee for financial management software; third-party provider fees apply separately

Charges & Financial Obligations · Restriction or exception

FMS Bill Pay Permitted Payees, Guarantee Exclusion, and 4-Day Advance Scheduling

Enrolled users can pay any U.S. merchant or individual and bank credit/loan accounts through Financial Management Software using designated funding accounts. Payments must be scheduled at least four business days in advance of due dates before daily cut-off times. Payments made via software are NOT covered by the Bill Pay Payment Guarantee.

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If you're enrolled in and use the Bill Pay service through your Financial Management Software, you may use the service to pay any merchant or individual in the U.S., and may also use it to make payments for any bank mortgage, installment loan, credit card, or line of credit account.

You must designate through your software a Bill Pay Funding Eligible Account. You may designate more than one Bill Pay Funding Eligible Account.

Bill Pay payments made via your Financial Management Software are NOT covered by Wells Fargo's Bill Pay Payment Guarantee.

All payments made using the Bill Pay service with Financial Management Software should be made at least four Business Days in advance of the due date, so the payee/merchant can credit your account in time to avoid any late-payment charges or penalties.

Each Business Day has a cut-off time for bill payments; payments made after the cut-off time or on Saturdays, Sundays, or federal holidays will be made the next Business Day.

Qualifications & exceptions

• Bill Pay via Financial Management Software is NOT covered by Bill Pay Payment Guarantee; 4-day advance notice required

Charges & Financial Obligations · Permission or license

Service Fees Disclosure, Account Fee Schedules, and Telecommunication Charges

Certain fees may apply to Eligible Accounts or Online Financial Services when using the Service, disclosed in separate account agreements or the online Fee Information schedule. Third-party internet, phone, or mobile carriers assess and bill separate connectivity charges.

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Certain fees in connection with an Eligible Account or Online Financial Service may apply when using the Service, and are separately disclosed in the specific agreements for an Eligible Account and/or on our Website under Fee Information, unless otherwise described in this Agreement.

Your internet, telephone, and/or mobile device service provider may assess other fees and bill them separately to you.

Qualifications & exceptions

• Fees disclosed in account agreements or Fee Information schedule; carrier fees billed separately

Not stated here

• The text of the linked Fee Information schedule is not supplied in this agreement

Charges & Financial Obligations · Permission or license

Payment Account Designation, Fee Debit Authorization, and Account Closure Obligations

Users must designate a Wells Fargo deposit account as their Payment Account and authorize Wells Fargo to charge it for Service fees. If the Payment Account is closed, users must designate a new Payment Account and cancel Online Financial Services by phone.

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Unless otherwise agreed, you must designate an account at Wells Fargo to pay fees for Eligible Accounts and Online Financial Services (your "Payment Account"). You authorize us to charge your Payment Account for the fees.

If you close your current Payment Account, you must notify us to designate a new deposit account that will be your Payment Account. In addition, you must cancel your Online Financial Services by notifying us at 1-800-956-4442 or the phone number located on your statement.

Qualifications & exceptions

• User authorizes fee charges to designated Payment Account; must designate new account if closed

Charges & Financial Obligations · Restriction or exception

Trade Instructions Exclusion in Chat and Virtual Assistant Channels

Users cannot submit, and Wells Fargo will not accept, securities or financial trade instructions through chat, virtual assistant, or similar messaging features.

Supporting quotations

You will not provide, and we cannot accept, trade instructions in any chat, virtual assistant, or similar service.

Qualifications & exceptions

• Applies to chat, virtual assistants, and similar interactive communication channels

Charges & Financial Obligations · Restriction or exception

Bank Right to Refuse Transactions Due to Security, Restrictions, or Risk Controls

Wells Fargo is not obligated to honor transactions or instructions that violate agreement terms, appear unauthorized, involve encumbered or disputed funds, contravene regulatory risk programs (Fed/OCC), or breach bank policies.

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We won't be obligated to honor, in whole or in part, any transaction or instruction that:

Is not in accordance with any term or condition of this Agreement or any other agreement that applies to the relevant Online Financial Service or Eligible Account.

We have reason to believe may not be authorized by you or any other person whose authorization we believe necessary.

We have reason to believe involves funds or other property subject to a hold, dispute, restriction, or legal process we believe prevents the transaction or instruction.

Would violate any applicable provision of any risk control program of the Federal Reserve, the Office of the Comptroller of the Currency, or any applicable rule or regulation of any other federal or state regulatory authority.

Is not in accordance with any other requirement of our policies, procedures, or practices.

We have other reasonable cause not to honor for our or your protection.

Qualifications & exceptions

• Bank retains reasonable discretion to reject instructions for mutual protection

Charges & Financial Obligations · Procedure

Arbitration Fee Rules, Statutory Caps, and $700 Bank Reimbursement Cap

Arbitration fees follow administrator rules subject to legal caps. Wells Fargo pays administrator-required fees, will reimburse user filing fees up to $700 if user prevails on any claim, and each party pays their own attorney and expert fees unless law dictates otherwise.

Supporting quotations

Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable law. Please check with the Arbitration Administrator to determine the fees that apply to any arbitration you may file. If the law that applies to this Agreement limits the amount of fees and expenses you have to pay, then no allocation of fees and expenses to you shall exceed this limitation. We will pay any costs that are required to be paid by us under the arbitration administrator's rules and procedures, and subject to applicable law. If the arbitrator rules in your favor on any claim presented, we will reimburse you for arbitration filing fees you have paid up to $700.00. Unless applicable law states otherwise, each party will pay their own attorney, expert, and witness fees. This rule applies no matter which party wins arbitration.

Qualifications & exceptions

• Filing fee reimbursement up to $700 if user wins on any claim; each party pays own attorney and expert fees

Charges & Financial Obligations · Company practice

Incorporation of Specialized Service Addenda (Zelle, Direct Pay, ExpressSend, FICO)

Enrollment in additional services subjects the user to corresponding addenda agreements, including Zelle Transfer Service, Direct Pay, ExpressSend Transfers, and Credit Close-Up (FICO).

Supporting quotations

The following addenda agreements apply if enrolled in these additional services.

Zelle® Transfer Service

Direct Pay

ExpressSend® Transfers

Credit Close-Up® (FICO)

Qualifications & exceptions

• Applies upon enrollment in the respective additional financial services

Not stated here

• The full text of the linked addenda agreements (Zelle® Transfer Service, Direct Pay, ExpressSend® Transfers, and Credit Close-Up® (FICO)) is not supplied in this source.

Charges & Financial Obligations · Company practice

ExpressSend Mobile Service Addendum Integration into Online Access Agreement

The ExpressSend Mobile addendum applies to mobile remittance services available in the Wells Fargo Mobile app on or after March 24, 2026, and is incorporated as an integral part of this Agreement.

Supporting quotations

The ExpressSend Mobile addendum applies to that service and is considered a part of this Agreement.

Qualifications & exceptions

• Effective on or after March 24, 2026 for mobile app remittances

Not stated here

• The full text of the linked ExpressSend Mobile addendum is not supplied in this source.