Online Access Agreement

Legal Rights & Agreement Rules · Restriction or exception

Third-Party Website Link Disclaimer and Non-Endorsement

Wells Fargo disclaims endorsement and responsibility for the products, services, content, links, privacy policies, or security policies of third-party websites accessed via external links from wellsfargo.com.

Supporting quotations

Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the products, services, content, links, privacy policy, or security policy of this website.

Qualifications & exceptions

• Applies when entering a third-party website that Wells Fargo does not control

Not stated here

• The terms and policies of third-party websites are not supplied in this agreement

Account & Service Control · Context

Scope of Covered Online Services and Functionalities

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

Supporting quotations

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

Wells Fargo Online®

Wells Fargo Business Online®

Wells Fargo Mobile®

Wells Fargo Advisors® online services

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

Qualifications & exceptions

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

Legal Rights & Agreement Rules · Procedure

Agreement Acceptance via Click-Through or Service Access

Users accept and agree to be bound by the terms and conditions of this Agreement and applicable disclosures by selecting "I Agree" or by accessing or using the Service.

Supporting quotations

By selecting "I Agree" below, or by using the Service or authorizing a person to use the Service on your behalf, you agree to the terms and conditions of this entire Agreement.

Qualifications & exceptions

• Acceptance occurs either upon clicking "I Agree" or through affirmative use or access

Legal Rights & Agreement Rules · Context

Definition of Wells Fargo Operating Entities and Affiliates

Defines "We", "Us", "Our", and "Wells Fargo" to include Wells Fargo Bank, N.A., its affiliates, direct and indirect subsidiaries, successors, assigns, and Wells Fargo Advisors (encompassing Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC).

Supporting quotations

Wells Fargo Bank, N.A. and any of its affiliates or direct or indirect subsidiaries, when any of them have established an Eligible Account or provided an Online Financial Service.

It also includes "Wells Fargo Advisors," which refers to Wells Fargo Clearing Services, LLC ("WFCS"), and Wells Fargo Advisors Financial Network, LLC.

Qualifications & exceptions

• Applies across all provisions referencing Wells Fargo or first-person plural pronouns

Account & Service Control · Context

Definition of Account Owners and Authorized Representatives

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

Supporting quotations

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

Qualifications & exceptions

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

Security & Safeguards · Context

Definition of Access Device for Electronic Fund Transfers

Defines an Access Device as any card, code, or other means of access to a consumer account (or combination thereof) utilized by the consumer to initiate electronic fund transfers.

Supporting quotations

Means a card, code, or other means of access to a consumer's account, or any combination thereof (including username and password), that may be used by the consumer to initiate electronic fund transfers.

Qualifications & exceptions

• Limited to cards, codes, or means of access used to initiate electronic fund transfers

Legal Rights & Agreement Rules · Context

Definition of Authorized Representative Authority

Defines an Authorized Representative as any individual possessing actual or apparent authority to take action or make decisions concerning an Eligible Account or Online Financial Service.

Supporting quotations

A person with authority (actual or apparent) to take action or make decisions with respect to an Eligible Account or an Online Financial Service.

Qualifications & exceptions

• Encompasses both actual and apparent authority to act on an account or service

Account & Service Control · Context

Definition of Business Customers and Non-Personal Usage

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

Supporting quotations

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

Qualifications & exceptions

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

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

Account & Service Control · Context

Definition of Consumer Customers for Personal Household Purposes

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

Supporting quotations

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

Qualifications & exceptions

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

Account & Service Control · Context

Definition of Delegate and Delegate Management Tools

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

Supporting quotations

Authorized Representatives appointed using the Delegate Tools.

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

Qualifications & exceptions

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

Account & Service Control · Context

Definition and Scope of Eligible Accounts

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

Supporting quotations

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

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

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

Qualifications & exceptions

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

Account & Service Control · Context

Definition and Online Access of Eligible Beneficiary

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

Supporting quotations

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

Qualifications & exceptions

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

Account & Service Control · Context

Definition of Supported Financial Management Software

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

Supporting quotations

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

Qualifications & exceptions

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

Legal Rights & Agreement Rules · Context

Interpretive Rule for Non-Exhaustive Lists

Specifies that the words "include" or "including" when introducing a list indicate illustrative examples that are neither exclusive nor exhaustive.

Supporting quotations

When used at the beginning of a list of one or more items, indicates that the list contains examples. The list is neither exclusive nor exhaustive, and the items in the list are intended only as illustrations.

Qualifications & exceptions

• Governs contract interpretation wherever include or including appears

Account & Service Control · Context

Definition and Scope of Mobile Banking Service

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

Supporting quotations

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

Qualifications & exceptions

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

Security & Safeguards · Context

Definition of Qualifying Mobile Device

Defines a Mobile Device as any cell phone, smartphone, tablet, handheld, or wearable communication device that satisfies specified Wells Fargo hardware and software requirements.

Supporting quotations

A cell phone, smartphone, tablet, or any other handheld or wearable communication device satisfying the hardware and software requirements we specify.

Qualifications & exceptions

• Device must satisfy Wells Fargo specified hardware and software requirements

Security & Safeguards · Context

Definition and Elements of Online Access Process

Defines the Online Access Process to encompass access terms, access and security procedures via the Website, and Wells Fargo's reservation of right to modify, suspend, or terminate the Service, Agreement, or access.

Supporting quotations

The term Online Access Process includes:

The terms under which you're allowed to access and use the Service via the Website.

The process used to access the Service (including required security procedures) via the Website.

Our right to change, suspend or terminate all or part of the Service, this Agreement, or your access to the Service.

Qualifications & exceptions

• Encompasses security procedures and Wells Fargo authority to modify or terminate access

Account & Service Control · Context

Definition and Scope of Online Financial Services

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

Supporting quotations

The term Online Financial Service includes:

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

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

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

Qualifications & exceptions

• Does not include an Eligible Account itself

Account & Service Control · Context

Comprehensive Definition of Service

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

Supporting quotations

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

Qualifications & exceptions

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

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

Account & Service Control · Context

Definition and Boundaries of Website

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

Supporting quotations

The term Website includes:

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

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

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

Qualifications & exceptions

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

Legal Rights & Agreement Rules · Context

Incorporation of Website Terms of Use and On-Screen Instructions

The Agreement incorporates the Website General Terms of Use along with terms and instructions presented on screens during enrollment, activation, access, or use.

Supporting quotations

The Service is subject to this Agreement. The following are also considered part of this Agreement:

General Terms of Use for the Website; and

Terms or instructions that appear on a screen when enrolling for, activating, accessing, or using the Service.

Qualifications & exceptions

• General Terms of Use and on-screen instructions form integrated parts of this Agreement

Not stated here

• The text of the separately linked General Terms of Use is not supplied in this agreement

Legal Rights & Agreement Rules · Restriction or exception

Territorial Limitation to United States and Foreign Access Risk

The Service is based in and intended for use within the United States; users are prohibited from accessing it from unauthorized territories, and any access from outside the U.S. is undertaken solely at user risk and subject to compliance with local laws.

Supporting quotations

The Service is based in the United States and is intended for use by customers located within the United States. We do not make any representation that the Service is appropriate or available for use outside of the United States. You are prohibited from accessing the Service from territories where the use of the Service is not permitted. If you choose to access the Service from locations outside the United States, you do so at your own risk and you are responsible for compliance with local laws and regulations.

Qualifications & exceptions

• Access outside the United States is at user risk and requires local law compliance

Legal Rights & Agreement Rules · Context

Coexistence with Separate Account and Service Agreements

Separate agreements for underlying Eligible Accounts and Online Financial Services (such as deposit account or credit card agreements) continue to apply alongside this Online Access Agreement.

Supporting quotations

In addition to this Agreement, you may have a separate agreement with us for each of your Eligible Accounts and Online Financial Services. Those agreements (for example, your deposit account agreement or your credit card agreement with us) will continue to apply to each of those accounts or services, along with this Agreement.

Qualifications & exceptions

• Specific account and service agreements remain in force concurrently with this Agreement

Legal Rights & Agreement Rules · Restriction or exception

Order of Precedence and Governing English Language Version

Other specific account agreements control over this Agreement in case of conflict, except that this Agreement controls regarding the Online Access Process; furthermore, the English language version controls over translations.

Supporting quotations

If this Agreement conflicts with or is inconsistent with another agreement with us, then the other agreement will control and take precedence, unless this Agreement specifically states otherwise. The other agreement will only control with respect to the Eligible Account or Online Financial Service it is associated with, and only to the extent necessary to resolve the conflict or inconsistency. There are two exceptions to the general rule described above: If another agreement you have with us includes terms that address the Online Access Process, this Agreement will control and take precedence in resolving any inconsistencies between this Agreement and the terms in the other agreement that address the Online Access Process. Also, the original version of this Agreement is in the English language. Any discrepancy or conflicts between the English version and any other language version will be resolved with reference to and by interpreting the English version.

Qualifications & exceptions

• This Agreement controls over conflicting account agreements regarding the Online Access Process
• English version governs over translations in any conflict or discrepancy

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

Account & Service Control · User right or choice

Permitted Service Transactions and Balance Reporting Timing

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

Supporting quotations

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

Access your Eligible Accounts;

Obtain Online Financial Services; and

Perform authorized transactions through the Website.

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

Qualifications & exceptions

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

Account & Service Control · User right or choice

Individual Authority of Joint Owners, Representatives, and Delegates

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

Supporting quotations

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

Qualifications & exceptions

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

Security & Safeguards · Procedure

Individual Service Enrollment and Unique Login Credentials Required

Every account owner, Authorized Representative, and Delegate must individually enroll in the Service and maintain their own unique username and password.

Supporting quotations

Each owner of an Eligible Account, Authorized Representative, and Delegate, will need to individually enroll in the Service to access it, and will each need a unique password and username.

Qualifications & exceptions

• Applies individually to each owner, representative, and delegate accessing the service

Account & Service Control · Company practice

Delegate Tools Management, Joint Authority, and Access Levels

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

Supporting quotations

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

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

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

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

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

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

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

Qualifications & exceptions

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

Account & Service Control · Company practice

Automatic View and Transact Delegate Assignment for Authorized Signers

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

Supporting quotations

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

Qualifications & exceptions

• Applies to authorized signers who are enrolled in the Service

Account & Service Control · Restriction or exception

Mandatory Appointment Requirements and Unilateral Delegate Discontinuation

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

Supporting quotations

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

Qualifications & exceptions

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

Account & Service Control · Restriction or exception

Presumption of Authority for Representative and Delegate Transactions

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

Supporting quotations

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

Qualifications & exceptions

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

Account & Service Control · Restriction or exception

Conditions and Notice Events Ending Delegate Authority

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

Supporting quotations

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

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

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

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

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

Qualifications & exceptions

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

Account & Service Control · Restriction or exception

Waiver of Multiple-Signature Requirements for Electronic Transfers

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

Supporting quotations

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

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

Qualifications & exceptions

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

Account & Service Control · Restriction or exception

Agency Status, Supervision, and User Liability for Delegate Transactions

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

Supporting quotations

You agree that:

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

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

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

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

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

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

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

Qualifications & exceptions

• Users remain solely responsible unless prohibited by applicable law

Security & Safeguards · Company practice

Discretionary Termination of Delegate Access for Security or Violations

Wells Fargo reserves sole discretion to terminate or discontinue a Delegate's access to the Service, accounts, or financial services without prior notice in cases of conflicting instructions, perceived security risk, or Agreement violations.

Supporting quotations

If we get conflicting instructions, if we believe that an Eligible Account's security or our security may be at risk as a result of a Delegate, or if the Delegate violates any part of this Agreement, we may at our sole discretion end the Delegate's access to:

The Service.

An Eligible Account.

An Online Financial Service.

We may also prevent the individual from being a Delegate, or discontinue the individual's Delegate authority, without prior notice to you or any Eligible Account owner.

Qualifications & exceptions

• Discontinuation or termination may occur without prior notice

Account & Service Control · Permission or license

Authorization for Wells Fargo to Provide Online Access and Service Access

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

Supporting quotations

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

Qualifications & exceptions

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

Security & Safeguards · Procedure

Technical Equipment Requirements and Operational Email Address Mandate

Access requires user-provided hardware, software, username and password, email address validation, and continuous maintenance of an operational email address to receive communications, alongside compliance with established security procedures.

Supporting quotations

To access your Eligible Accounts and Online Financial Services through the Website, you need a username, a password, and required hardware and software (see Online Banking Help for details). To complete your enrollment in the Service, you will be required to validate your email address. Additionally, you are required to maintain an email address that is continuously operational to receive email communications from us in order to continue to access your Eligible Accounts and Online Financial Services through the Website. You must provide all computer, telephone and other equipment, software (other than any software provided by us), and services you need to access the Service. You must also comply with any other security procedures we may establish.

Qualifications & exceptions

• Requires maintaining an email address that is continuously operational to receive communications

Not stated here

• The text of the linked Online Banking Help documentation is not supplied in this agreement

Account & Service Control · Procedure

Mobile Banking Service Channels and Verified Phone Number Requirement

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

Supporting quotations

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

Qualifications & exceptions

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

Account & Service Control · Company practice

Account Linking and Summary Display Regardless of Co-Ownership

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

Supporting quotations

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

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

Qualifications & exceptions

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

Account & Service Control · Company commitment

Continuous Service Availability and Maintenance Downtime Channels

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

Supporting quotations

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

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

Qualifications & exceptions

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

Legal Rights & Agreement Rules · Restriction or exception

Mutual and Unilateral Termination, Suspension, and Inactivity Closure Rights

Either party may terminate the Agreement or access at any time; Wells Fargo may suspend or terminate access without advance notice due to inactivity, death, agreement violations, fee non-payment, or account closure, with no obligation to reinstate.

Supporting quotations

This Agreement will be in effect from the date we accept your enrollment in the Service and at all times while you're using the Service or any Online Financial Service.

Unless otherwise required by applicable law or regulation, either of us can terminate this Agreement and/or your access to any Eligible Account or Online Financial Service through the Service, in whole or in part, at any time. For example, we may terminate your access to the Services due to inactivity, at any time. We will try to notify you in advance of any termination, but are not required to do so.

We also may terminate access upon proper notification of death.

If you violate any terms of this Agreement (including non-payment of fees under any applicable fee schedule) or any other agreement you have with us, you agree that we may suspend or terminate your access to any of your Eligible Accounts and Online Financial Services. We are not required to reinstate or re-activate your access.

If you close all your Eligible Accounts, terminate your Online Financial Services, or withdraw from the Service, we may suspend or terminate your access without prior notification. We are not required to reinstate or re-activate your access. If reinstated, the then-current terms of this Agreement will control.

Qualifications & exceptions

• Termination or suspension may take effect at any time without required advance notice

Account & Service Control · Procedure

Procedure for User Removal of Account Online Access

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

Supporting quotations

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

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

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

Qualifications & exceptions

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

Account & Service Control · Procedure

Agreement Execution Requirement for Business Account Representatives

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

Supporting quotations

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

Qualifications & exceptions

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

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

Account & Service Control · Procedure

Required Information for Submitting Error Notices

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

Supporting quotations

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

Your name and account number (if any).

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

Qualifications & exceptions

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

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

Account & Service Control · Company commitment

EFT Verification Rights, Periodic Account Statements, and Terminal Receipts

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

Supporting quotations

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

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

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

Qualifications & exceptions

• Monthly statements provided when EFTs occur; quarterly otherwise

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

Account & Service Control · Procedure

Bill Pay Eligibility Prerequisites and Credit/Loan Payee Authorization

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

Supporting quotations

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

Qualifications & exceptions

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

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

Account & Service Control · User right or choice

Joint Account Shared Bill Pay Funding Authority

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

Supporting quotations

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

Qualifications & exceptions

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

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

Sharing & Disclosure · Company practice

Third-Party Bill Pay Processing and Processor-Drawn Paper Checks

Wells Fargo may utilize non-affiliated third parties adhering to strict security and privacy standards to process Bill Pay payments, and paper checks may be drawn on the processor rather than Wells Fargo Bank, N.A.

Supporting quotations

We may use non-affiliated third parties acting on our behalf to process Bill Pay payments. These third-party processors must adhere to Wells Fargo's strict security and privacy-protection standards. Paper checks processed by non-affiliated third parties may show that they were drawn on the third-party processor, rather than on Wells Fargo Bank, N.A.

Qualifications & exceptions

• Processors must adhere to Wells Fargo security and privacy-protection standards
• Paper checks may reflect the third-party processor as the drawee institution

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

Account & Service Control · Company practice

Automatic Cancellation of Pending Payments Upon Account Closure or Restriction

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

Supporting quotations

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

Qualifications & exceptions

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

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

Legal Rights & Agreement Rules · Restriction or exception

Section 6 Priority and Governance Over Conflicting Provisions for Bill Pay

In the event of any conflict between Section 6 and other provisions of this Agreement, Section 6 controls and takes precedence regarding Bill Pay.

Supporting quotations

If Section 6 conflicts with any other provisions of this Agreement, Section 6 governs with respect to Bill Pay.

Qualifications & exceptions

• Precedence applies specifically with respect to Bill Pay

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

Sharing & Disclosure · Restriction or exception

Third-Party eBills Privacy, Verification Delays, and Bank Non-Responsibility

Third-party eBills may omit full statement details and require providing data directly to third-party billers under their own privacy policies (taking up to 10 Business Days to activate); Wells Fargo disclaims all responsibility for late charges or delivery delays by third-party companies.

Supporting quotations

Third-party eBills are electronic versions of paper bills made available from participating companies that may not contain the full statement details in them. eBills are updated automatically once the eBill is received from participating companies. If the company you are setting up for bill payment offers eBills, we will let you know that the eBill service is available and guide you through the enrollment process.

Companies may require you to provide certain information in order to verify your identity and validate your eligibility to receive an eBill. Wells Fargo does not control what criteria or information a company uses for their eBill setup. Please refer to the company's privacy notices or contact the company directly if you have concerns over the company's collection, use, and storage of your data. Once an eBill request is submitted, it may take up to ten (10) Business Days for a company to approve your eBill request. We will send you an email alert regarding the status of your eBill activation.

Since eBills are controlled by third-party companies, Wells Fargo takes no responsibility for any late charges or other adverse consequences if a company delays delivery or fails to deliver a complete or accurate eBill. If you do not receive an eBill or have questions about an eBill, please contact the company directly.

Qualifications & exceptions

• Wells Fargo takes no responsibility for late charges or delayed/inaccurate third-party eBills

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

Sharing & Disclosure · Permission or license

Personal and Account Data Sharing for Instant Payments and Third-Party Privacy Disclaimer

Users authorize Wells Fargo to share their name, account number, and routing number with The Clearing House or other networks, which may further share data with payee banks and payees, with Wells Fargo disclaiming responsibility for third-party privacy or security practices.

Supporting quotations

When you send a payment using the Bill Pay instant payments service, you authorize Wells Fargo to share your personal information, including your name, Wells Fargo account number, and routing transit number, with The Clearing House, or another third party network, as applicable, for the Bill Pay instant payments service that you have requested. You also authorize The Clearing House, or another third party network, as applicable, to share that information with your payee's bank and agree that the information may potentially be shared with your payee. By participating in the Bill Pay instant payments service, you acknowledge that Wells Fargo is not responsible for a third party's privacy practices or level of security.

Qualifications & exceptions

• Wells Fargo is not responsible for a third party's privacy practices or level of security

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

Security & Safeguards · Procedure

Reporting Errors and Compromised Credentials for Instant Payments

Users must immediately report suspected erroneous or unauthorized instant payments or compromised account credentials pursuant to Section 5 error reporting procedures.

Supporting quotations

If you believe that an erroneous or unauthorized payment has been made through the Bill Pay instant payments service using your account, or that your account credentials have been lost, stolen, or otherwise compromised, please contact us immediately in accordance with Section 5.

Qualifications & exceptions

• Reporting must be made immediately in accordance with Section 5

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

Legal Rights & Agreement Rules · Restriction or exception

New York Governing Law and UCC Article 4A for Instant Payments

Instant payments are governed specifically by New York state law, including New York Uniform Commercial Code Article 4A, without regard to conflict of laws principles.

Supporting quotations

Instant payments will be governed by the laws of the state of New York, including New York's version of Article 4A of the Uniform Commercial Code, as applicable, without regard to its conflict of laws principles.

Qualifications & exceptions

• Designates New York law and Article 4A of the UCC specifically for instant payments

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

Security & Safeguards · Procedure

External Account Verification via Test Transfers and Proof of Ownership

Users authorize Wells Fargo to verify external accounts via low-value test credits and debits requiring reporting back transfer amounts or submitting documentary proof of ownership.

Supporting quotations

We may verify the non-Wells Fargo Accounts that you add to the Transfer & Payments Service. You authorize us to validate the non-Wells Fargo Accounts in a manner selected by us, including through the use of a test transfer, in which one or more low value payments is credited to and debited from your non-Wells Fargo Account. Once the test transfer is complete, we may ask you to access this non-Wells Fargo Account to tell us the amount of the test credit or debit or any additional information reported by your financial institution with this test transfer. We may also verify non-Wells Fargo Accounts by requiring you to submit proof of ownership of such Account(s).

Qualifications & exceptions

• Wells Fargo may require proof of ownership of external accounts

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

Legal Rights & Agreement Rules · Permission or license

User Warranties of Account Ownership, Authority, and Information Use Authorization

Users warrant ownership or authorized signer status on both Wells Fargo and external U.S. accounts, legal permission to transfer without violating third-party rights, and authorize Wells Fargo to access accounts and use submitted data to configure transfer services.

Supporting quotations

By using the Transfer & Payments Service, you represent and warrant to us that:

You own or are an authorized signer on the Account held with us and at the non-Wells Fargo U.S. financial institution;

Your Account at the non-Wells Fargo U.S. financial institution is a United States account;

Your Account and applicable law permit transfers;

You have the right to authorize and permit us to access your Accounts to complete such fund transfers or for any other purpose authorized by this Section;

By disclosing to us and authorizing us to use Account information and complete the transfer you are not violating any third party rights; and

Information you provide to us is true, current, accurate, and complete.

You authorize and permit us to use information you submit to make transfers and to configure the Transfer & Payments Service to be compatible with the Accounts.

Qualifications & exceptions

• Account at external financial institution must be a United States account

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

Account & Service Control · Restriction or exception

Account Eligibility Restrictions and Discretionary Risk Exclusions

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

Supporting quotations

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

Qualifications & exceptions

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

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

Account & Service Control · User right or choice

Transfer Cancellation Rights and Channels

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

Supporting quotations

Payments that are in process cannot be canceled or stopped.

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

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

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

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

Qualifications & exceptions

• In-process transfers cannot be canceled or stopped

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

Account & Service Control · Restriction or exception

Transfer Service Suspension and Reinstatement Discretion

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

Supporting quotations

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

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

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

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

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

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

Qualifications & exceptions

• Suspension may occur immediately without prior notice

Account & Service Control · Restriction or exception

Transfer Service Termination Grounds and Discretion

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

Supporting quotations

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

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

Provided us with false or misleading information; or

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

Qualifications & exceptions

• Subject to applicable law or regulation

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

Legal Rights & Agreement Rules · Restriction or exception

Reliance on Transfer Instructions and User Liability for Instruction Errors

Wells Fargo and receiving financial institutions rely on transfer instructions sent or reasonably appearing to be sent by the user or their Authorized Representative without further authentication. Users bear full responsibility for losses from errors, ambiguities, duplicates, or fraud, and Wells Fargo may recover resulting costs.

Supporting quotations

We must rely on the information you provided, and you authorize us to act on any instruction, which has been or reasonably appears to have been sent by you or your Authorized Representative, to submit fund transfer instructions on your behalf.

We are not obligated to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation.

If you or your Authorized Representative provide us with incorrect information or if there is any error in your instruction, we will make all reasonable efforts to reverse or delete such instructions, but you accept full responsibility for losses resulting from any of your errors, duplication, ambiguities, or fraud in the information that you or your Authorized Representative provides.

If any information you or your Authorized Representative provides is untrue, inaccurate, not current, or incomplete, without limiting other remedies, we may recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.

Qualifications & exceptions

• Wells Fargo will make reasonable efforts to reverse or delete erroneous instructions

Legal Rights & Agreement Rules · Restriction or exception

External Financial Institution Error and Delay Liability Disclaimer

Wells Fargo is not responsible for errors, delays, or problems caused by financial institutions holding non-Wells Fargo accounts unless required by law. Users' rights against external financial institutions are governed by their agreements with those institutions.

Supporting quotations

We are not responsible for errors, delays, and other problems caused by or resulting from the action or inaction of financial institutions holding the non-Wells Fargo Account, unless otherwise required by law or regulation.

Although we will try to assist you in resolving any such problems, any such errors, delays, or other problems are the responsibility of the relevant financial institution.

Any rights you may have against a financial institution for such errors, delays, or other problems are subject to the terms of the agreements you have with such financial institution, including any time limits during which complaints must be made.

Qualifications & exceptions

• Unless otherwise required by law or regulation

Legal Rights & Agreement Rules · Context

Cross-Reference to Section 5 Regulation E Consumer EFT Provisions

Electronic fund transfers that debit or credit a consumer checking, savings, or other asset account subject to Regulation E are governed by the EFT Provisions in Section 5 of this Agreement.

Supporting quotations

Please see EFT Provisions (Consumers) in Section 5 in this Agreement for terms and conditions that apply to electronic fund transfers that debit or credit a consumer checking, savings, or other asset account and are subject to Regulation E.

Qualifications & exceptions

• Applies to consumer asset accounts subject to Regulation E

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

Legal Rights & Agreement Rules · Restriction or exception

Transfer Service Liability Exclusions and Consequential Damages Waiver

Wells Fargo excludes liability for costs, fees, losses, or indirect, special, or consequential damages resulting from debit/credit inabilities, inaccurate retrieved information, third-party charges or limitations, insufficient funds, overdraft credit limits, system failures at non-Wells Fargo institutions, or third-party causes.

Supporting quotations

We are not liable for any costs, fees, losses or indirect, special, or consequential damages of any kind incurred as a result of:

Our debit and/or credit or inability to debit and/or credit the accounts in accordance with your fund transfer instructions; or

Inaccuracy, incompleteness, or misinformation contained in the information retrieved on the accounts; or

Charges imposed by any non-Wells Fargo financial institution or by applicable law or regulation; or

Fund transfer limitations set by the non-Wells Fargo financial institutions or applicable law or regulation; or

Not enough money in your Account to make the fund transfer; or

Transfers exceeding the credit limit on a credit account linked for Overdraft Protection; or

System failures at a non-Wells Fargo financial institution and we are unable to complete the transfer; or

Third party causes, including your non–Wells Fargo financial institution.

Qualifications & exceptions

• Excludes indirect, special, or consequential damages

Security & Safeguards · Permission or license

Interbank Security Procedures and Security Procedure Deviation Authorization

External institutions maintaining user accounts may verify transfer instructions with Wells Fargo, constituting valid security procedures. Users permit Wells Fargo to authorize external institutions to accept transfer instructions under agreed procedures without standard verification, and debit accounts based solely on communications.

Supporting quotations

The financial institution at which your Account is maintained may contact us to verify the content and authority of fund transfer instructions and any changes to those instructions.

In connection with the Transfer & Payments Service, we may provide to that financial institution such information as may be required to verify the instructions and the verification may constitute a valid security procedure under the rules governing that Account.

You permit us to authorize your non-Wells Fargo financial institution to accept funds and transfer instructions in accordance with any authorization procedures you and such financial institution have agreed upon, or that we, on your behalf, and such financial institution have agreed upon, without verifying the instructions under the established security procedures (including Section 16(c) below, if applicable), regardless of whether you agreed to the security procedures or we agreed on your behalf.

In addition, we may authorize such financial institutions to charge and debit your Accounts based solely on these communications.

Qualifications & exceptions

• Permits authorization of external institutions without standard security verification

Legal Rights & Agreement Rules · Context

Digital Wire Transfers Scope and Conflict Precedence

The Digital Wire Transfer service allows sending money online to U.S. and international accounts via Orders funding from Eligible Accounts. Section 8 terms supplement account agreements and control in case of any conflict with account agreements. Section 2(b) applies to Wire Transfers.

Supporting quotations

The Wells Fargo digital wire transfer service ("Wire Transfers") allows you to send money online to both personal and business accounts in the U.S. and in many countries.

The following provisions supplement your applicable Wires Funding Eligible Account agreement. If there is any conflict between these provisions and your Wires Funding Eligible Account agreement, these provisions will control with respect to Wire Transfers.

You understand and agree that the provisions of Section 2(b) will apply to Wire Transfers.

Qualifications & exceptions

• Section 8 controls over Wires Funding Eligible Account agreements in case of conflict

Legal Rights & Agreement Rules · Restriction or exception

Outgoing Consumer International Wires Federal Law Protections

Outgoing Consumer International Wires are subject to additional statutory protections under federal law covering liability, disclosures, cancellation rights, and error resolution procedures.

Supporting quotations

Outgoing Consumer International Wires (as defined below in Section 8(l)) are subject to certain additional protections under federal law relating to liability, disclosures, cancellation rights, and error resolution procedures.

Qualifications & exceptions

• Subject to federal law protections for consumer international remittances

Security & Safeguards · Procedure

Wire Transfer Security Procedures and Commercial Reasonableness

Wire transfer Orders initiated on the Website are authenticated using username, password, security questions, random number generators, or one-time passcodes under Section 16 standards. Under UCC Article 4A-202(b), the procedure verifies authenticity (not error detection), and the user agrees it is commercially reasonable.

Supporting quotations

The Security Procedure consists of verifying your username and a password, and/or such other additional security and authentication methods as we may require from time to time.

We may also require you to answer security questions, use random number generators, or one-time passcodes to further verify an Order initiated on the Website from your Wires Funding Eligible Account.

Pursuant to Uniform Commercial Code Article 4A-202(b), the purpose of the Security Procedure is to verify the authenticity of an Order delivered to us in your name and not to detect errors in the transmission or content of an Order.

You agree the Security Procedure is commercially reasonable and is a satisfactory method of verifying the authenticity of Orders initiated on the Website from your Wires Funding Eligible Account.

Qualifications & exceptions

• Security procedure verifies authenticity but does not detect transmission or content errors

Legal Rights & Agreement Rules · Restriction or exception

Verified Wire Order Binding Effect and Article 4A Liability Caps

Users agree to be bound by any Order verified following the Security Procedure, even if unauthorized. Wells Fargo's liability is limited to minimum damages required under UCC Article 4A, excluding exemplary, special, indirect, or consequential damages, lost profits, and attorney's fees.

Supporting quotations

You agree to be bound by any Order that Wells Fargo receives and verifies following the Security Procedure, even if the Order was not authorized by you.

You agree that we may be liable only for the minimum damages required to be paid under Uniform Commercial Code Article 4A.

In no event will we be liable for any exemplary, special, indirect, or consequential loss, damage, costs, or expense of any nature, including lost profits, even if we have been informed of the possibility of such damages, except as may be required by law or regulation.

In no event will Wells Fargo be liable for attorney’s fees.

This Section 8(b) will control as the Security Procedure with respect to Orders for Wire Transfers instead of Section 16(c) below.

Qualifications & exceptions

• User bound even if order was not authorized, provided security procedure was verified

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

Security & Safeguards · Company practice

Discretionary Error Detection Actions and Order Delay Rights

Any action Wells Fargo takes to detect erroneous or unauthorized Orders is in its sole discretion and does not establish a standard procedure or liability for failure to perform. Wells Fargo may delay an Order if it detects it as erroneous or unauthorized.

Supporting quotations

Any action Wells Fargo takes to detect an erroneous Order or to attempt to detect an unauthorized Order, will be taken at Wells Fargo's sole discretion.

No matter how many times Wells Fargo takes this action, it will not become part of Wells Fargo's standard procedures for attempting to detect such erroneous or unauthorized Orders, and Wells Fargo will not in any situation be liable for failing to take or to correctly perform the action.

You agree that Wells Fargo may delay your Order if Wells Fargo detects it as erroneous or unauthorized.

Qualifications & exceptions

• Actions do not become standard procedures or create liability for failure to act

Legal Rights & Agreement Rules · Restriction or exception

Wire Execution Standard of Care and Consequential Damages Waiver

Wells Fargo is responsible only for good faith efforts and ordinary care, and is liable only for negligence or willful misconduct. Wells Fargo excludes liability for transmission methods, third-party processing failures or delays, events beyond reasonable control, consequential or punitive damages, and attorney's fees.

Supporting quotations

Wells Fargo is only responsible for making a good faith effort to execute your Orders and will only be responsible for performing the services specified in the provisions in Section 8 with ordinary care.

Unless prohibited by law, Wells Fargo will only be liable for its negligence or willful misconduct.

Wells Fargo will not be liable for any loss or damage due to the method of transmission selected by Wells Fargo, or a third party's, including Beneficiary's bank's failure, delay, or error in processing an Order.

Wells Fargo will not be liable for any delay or failure to perform if the delay or failure results from any cause beyond its reasonable control.

IN NO EVENT WILL WELLS FARGO HAVE ANY LIABILITY FOR CONSEQUENTIAL, SPECIAL, PUNITIVE, OR INDIRECT LOSS OR DAMAGE WHICH YOU MAY INCUR IN CONNECTION WITH THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL WELLS FARGO BE LIABLE FOR ATTORNEY’S FEES.

Qualifications & exceptions

• Liable only for negligence or willful misconduct; consequential damages and attorney's fees excluded

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

Legal Rights & Agreement Rules · Procedure

Wire Error and Unauthorized Activity 14-Day Notice Deadline

Users must exercise ordinary care and report errors or unauthorized wire orders immediately by phone. Notice must be given within 14 days of order acceptance notice or account debit/credit notice; failure to notify within 14 days entitles Wells Fargo to retain payment.

Supporting quotations

If you identify any errors in an Order, or unauthorized activity on your funding account, please contact Online Customer Service immediately at 1-800-956-4442 (contact 1-888-215-3904 for issues with an Order from a brokerage account).

Wells Fargo will not be responsible for any delays in payment or additional fees caused by your failure to promptly notify us. You will exercise ordinary care to determine whether an Order accepted by Wells Fargo was either erroneous or not authorized.

In the event of an erroneous or unauthorized Order, you agree to notify us by the earlier of: (i) 14 days after you receive notice from Wells Fargo that the Order was accepted or (ii) 14 days after you receive notice that your account was debited or credited with respect to the Order.

You agree that Wells Fargo is entitled to retain payment for an Order unless you notify us within this 14-day period.

For additional terms governing Outgoing Consumer International Wires, please see Section 8(l) below.

Qualifications & exceptions

• User must report errors within 14 days or Wells Fargo is entitled to retain payment

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

Legal Rights & Agreement Rules · Context

Outgoing Consumer International Wire Scope, Definition, and Precedence

Section 8(l) applies specifically to Orders initiated by U.S. natural persons from consumer accounts to foreign beneficiaries for personal, family, or household purposes. It excludes domestic, business, or commercial wires, and controls over conflicting agreement terms for consumer international wires.

Supporting quotations

This Section contains additional terms applicable only to Orders initiated by a natural person in the United States to transfer funds from a consumer Wires Funding Eligible Account to a Beneficiary in a foreign country for personal, family, or household purposes (each, an "Outgoing Consumer International Wire").

This Section does not apply to any Order sent to a Beneficiary in the United States, to any Order initiated by a non- consumer, or to any Order initiated by a consumer for any non-personal, non-family, or non-household purposes.

In the event of a conflict between a provision in this Section, and another provision in the Agreement or Eligible Account agreement for your Wires Funding Eligible Account, this Section 8(l) will control with respect to Outgoing Consumer International Wires.

Qualifications & exceptions

• Applies only to consumer wires to foreign beneficiaries for personal, family, or household purposes; controls over conflicting terms

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

Legal Rights & Agreement Rules · Procedure

Consumer International Wire 180-Day Error Reporting Deadline and Required Notice Details

Users must report suspected errors regarding Outgoing Consumer International Wires within 180 days of the disclosed availability date by calling 1-855-339-6655 or contacting their banker. Failure to provide timely notice discharges Wells Fargo from liability for errors or lost interest. Reports must include user details, beneficiary information, wire confirmation number, and description of error.

Supporting quotations

In the event that you believe an error has occurred with respect to an Outgoing Consumer International Wire, you must notify Wells Fargo no later than 180 days after the "availability date" (the date when funds will be available to the Beneficiary) disclosed to you.

You may notify us by calling the Wire Transfers team at 1-855-339-6655 or contact your banker.

If you fail to notify us within this time period, Wells Fargo will not be liable for any error or loss of interest or any interest equivalent relating to the erroneous transaction.

When you contact us, please tell us: (a) your name, address, and telephone number where we can reach you during business hours; (b) the Beneficiary's name and, if known, his or her telephone number and address; (c) the date, dollar amount, and transaction confirmation number of the Outgoing Consumer International Wire; and (d) the error or problem with the wire transfer, and why you believe it is an error or problem.

Qualifications & exceptions

• Must notify bank no later than 180 days after disclosed availability date

Legal Rights & Agreement Rules · Company commitment

Consumer International Wire 90-Day Investigation and Resolution Procedures

Wells Fargo investigates reported errors within 90 days, corrects errors promptly, and provides results within three Business Days of completion. If no error or a different error is found, a written explanation is sent, and users may request documentation copies.

Supporting quotations

Wells Fargo will determine whether an error occurred within 90 days after you contact us, and we will correct any error promptly.

We will contact you with the results within three Business Days of completing our investigation and making our determination.

If we identify that there was no error, or an error occurred that is different from the one you described, Wells Fargo will send you a written explanation. You may ask for copies of any documentation we used in our investigation.

For more information about your error resolution and cancellation rights, you may access Consumer International Wire Error Resolution and Cancellation Rights (PDF).

Qualifications & exceptions

• Error determination within 90 days and results communicated within three Business Days

Not stated here

• The text of the linked Consumer International Wire Error Resolution and Cancellation Rights (PDF) is not supplied in this agreement

Legal Rights & Agreement Rules · Context

Regulation E Remittance Transfer Classification and New York Governing Law

Outgoing Consumer International Wires constitute 'remittance transfers' governed by Regulation E, Subpart B, federal law, and New York state law including New York's version of UCC Article 4A without regard to conflicts of law.

Supporting quotations

With respect to Outgoing Consumer International Wires, such a wire is a "remittance transfer" as defined in Regulation E, Subpart B, and will be governed by the laws of the United States and, to the extent applicable, the laws of the state of New York, including New York's version of UCC 4A, without regard to its conflict of laws principles.

Qualifications & exceptions

• Governed by Regulation E Subpart B, federal law, and New York UCC Article 4A

Legal Rights & Agreement Rules · Restriction or exception

Consumer International Wire Statutory Liability Limitation and Third-Party Non-Agency

Wells Fargo is liable only for statutory damages required under Regulation E, Subpart B or applicable UCC Article 4A. Except as required by Regulation E, Wells Fargo is not responsible for the acts or omissions of processors, central banks, or financial institutions, none of which are deemed Wells Fargo's agents.

Supporting quotations

Except as otherwise agreed in writing, Wells Fargo is liable only for damages required to be paid as provided under Regulation E, subpart B or, to the extent applicable, UCC 4A (except as expressly modified by this Agreement).

Except as required by Regulation E, subpart B, Wells Fargo will not be responsible for the acts or omissions of any other person or entity, including but not limited to any processor, any country's central bank, or any other financial institution, and no such person or entity will be deemed Wells Fargo's agent.

Qualifications & exceptions

• Liability limited to statutory damages under Regulation E Subpart B or UCC Article 4A; third parties not agents

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

Account & Service Control · Procedure

Mobile Deposit App Availability, Device Eligibility, and Carrier Coverage

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

Supporting quotations

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

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

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

Some accounts are not eligible for mobile deposit.

Qualifications & exceptions

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

Not stated here

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

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.

Supporting quotations

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

Legal Rights & Agreement Rules · Restriction or exception

Duplicate Deposit Prohibition, User Indemnity, and Non-Alteration Warranty

Users are prohibited from duplicate scanning, negotiating, or depositing the same check or substitute check. Presenting a check more than once obligates the user to indemnify Wells Fargo against third-party claims and pay the aggregate amount, which Wells Fargo may debit from any user account. Users warrant checks are unaltered and photos accurate, and accept responsibility for data entry numerical errors.

Supporting quotations

You are prohibited from duplicate scanning, negotiating, and/or depositing the same original check, or substitute of that original check, using our Mobile Deposit Service or by any other means.

If you or anyone else presents a check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend, and hold Wells Fargo harmless from and against all liability and damages that may result from any claims, suits, or demands from third parties with respect to such check or substitute check.

You understand you are responsible for the aggregate amount of any check that we have been asked to pay based on an original or substitute check that has already been deposited through the Mobile Deposit Service. We may debit any such amount from your account or any of your other account(s) you hold with Wells Fargo in our sole discretion.

You must also ensure that the checks have not been altered, and that the photos sent via the Mobile Deposit Service are an accurate depiction of the front and back of the original check to be deposited.

You are responsible for any numerical errors on deposit data entry.

Qualifications & exceptions

• Indemnify Wells Fargo for duplicate presentment; bank may debit any user account in sole discretion

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.

Supporting quotations

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

Account & Service Control · Permission or license

Mobile Deposit Termination Rights and Transmitted Image Governance

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

Supporting quotations

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

Qualifications & exceptions

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

Legal Rights & Agreement Rules · Company practice

Mobile Deposit Compliance Audits and User Document Cooperation Duty

Wells Fargo reserves the right to periodically audit and verify user compliance with mobile deposit terms. Users agree to cooperate and produce requested information or documents at their own expense.

Supporting quotations

We may periodically audit and verify your compliance with this Section or for any other reason in connection with the Mobile Deposit Service.

You agree to cooperate and provide information or documents at your expense as may be reasonably requested by us in the course of such audit.

Qualifications & exceptions

• User must cooperate and provide documents at user's expense during periodic audits

Account & Service Control · Procedure

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

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

Supporting quotations

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

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

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

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

Qualifications & exceptions

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

Legal Rights & Agreement Rules · Context

Paze Card Agreement Terms Incorporation and Conflict Precedence

Card additions to Paze and Paze transactions are governed by underlying Wells Fargo card account terms and agreements. In the event of a conflict between Section 10 and card account agreements, Section 10 controls with respect to Paze.

Supporting quotations

You understand and agree that the addition of your eligible cards to Paze and the 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.

If there is any conflict between the provisions in this Section and the terms, conditions, and Eligible Account agreements applicable to your Wells Fargo card, the provisions in this Section will control with respect to Paze.

Qualifications & exceptions

• Section 10 controls over underlying card account agreements with respect to Paze

Account & Service Control · Company practice

Paze Contact Information Maintenance and Automatic Replacement Card Updates

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

Supporting quotations

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

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

Qualifications & exceptions

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

Account & Service Control · Restriction or exception

Paze User Eligibility Criteria, Representations, and Bank Discretion

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

Supporting quotations

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

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

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

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

Qualifications & exceptions

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

Sharing & Disclosure · Permission or license

Paze Personal and Card Data Sharing Consent with Early Warning Services

Users consent to Wells Fargo sharing eligible card numbers, expiration dates, SSN/TIN, birth date, contact details, statement address, and related personal information with Paze and Early Warning to enable the service and verify identity. Network token service providers tokenize card numbers for security.

Supporting quotations

You agree that we may share with Paze and Early Warning your eligible credit and debit card numbers and expiration dates, and related personal information such as your name, social security number or tax identification number, date of birth, email address, mobile phone number, statement address, and other personal information needed to enable the Paze service.

A network token service provider will tokenize your eligible credit and debit card numbers for security purposes.

Paze and Early Warning will use your information to provide the service to you, including to help verify your identity.

Qualifications & exceptions

• User consents to sharing card numbers, SSN/TIN, birth date, and contact details with Early Warning and token providers

Sharing & Disclosure · Permission or license

Paze Card Details Sharing with Online Merchants and Transaction Processing

When selecting a card to pay a participating online merchant, Paze and Early Warning transmit Card Details (name, address, phone, email, tokenized card number) to the merchant or its processing agent. Once payment is authorized with the merchant, Paze is not involved in processing transactions, which post directly to the Wells Fargo card account.

Supporting quotations

When you select your eligible credit or debit card to pay a participating merchant online, you agree that Paze and Early Warning may share your name, statement address, phone number, email address, tokenized payment card information and other necessary personal information ("Card Details") with the merchant.

Paze will transmit the Card Details to the merchant or a third party the merchant engages, to enable processing of the transaction or to set up an online account with the merchant.

You understand that once you authorize the payment with the merchant, Paze is not involved in processing the transactions. The transactions will be reflected on your account for the eligible Wells Fargo credit or debit card you selected to make the payment.

Qualifications & exceptions

• Paze transmits Card Details to merchants; once authorized, Paze is not involved in processing

Data Access & Collection · Company practice

Early Warning Transaction and Device Data Capture and Usage Purposes

Paze and Early Warning capture transaction records including unique transaction IDs and device/browser data including IP addresses. Early Warning uses this data to operate the service, prevent fraud and illegal activity, conduct internal improvement research, prepare anonymized reports, and satisfy compliance requirements.

Supporting quotations

Paze and Early Warning may capture information about the transaction itself, such as a unique transaction identifier, so there is a record of the transaction.

Early Warning may also capture certain information from your mobile device or internet browser used to access the Paze service, including Internet Protocol (IP) address.

Early Warning may use such information to operate and maintain the Paze service, including to: prevent, detect and protect against security incidents, fraud, and prohibited or illegal activities related to the Paze service; conduct internal research to improve the Paze service; prepare anonymized reports about the use of the Paze service; or for legal or compliance purposes.

Qualifications & exceptions

• Captures transaction identifiers, device data, and IP addresses for security and research

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

Account & Service Control · User right or choice

Paze Card Removal Rights and Opt-Out Management Channels

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

Supporting quotations

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

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

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

Qualifications & exceptions

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

Account & Service Control · Restriction or exception

Paze Lawful Use Duty and Suspension/Termination Discretion

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

Supporting quotations

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

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

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

Qualifications & exceptions

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

Account & Service Control · Procedure

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

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

Supporting quotations

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

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

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

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

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

Qualifications & exceptions

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

Security & Safeguards · Restriction or exception

Alert Security Unencrypted Transmission, Content Restrictions, and Carrier Limitations

Alerts may be transmitted unencrypted containing user names and account details. Users are prohibited from modifying or altering alert message content. Alert availability depends on carrier coverage, and standard carrier message/data rates apply.

Supporting quotations

You further agree that:

Alerts may be sent unencrypted, and may include your name and information pertaining to your account(s).

You may not modify, change, or alter the content of any alert message that we send to you.

Availability may be affected by your mobile carrier's coverage area and your mobile carrier's message and data rates may apply.

Qualifications & exceptions

• Alerts may be sent unencrypted and contain account information; content alteration prohibited

Legal Rights & Agreement Rules · Company practice

Alert Delivery Delay and External Provider Factor Disclaimers

Receipt of automatic alerts or Alerts Service notifications may be delayed or prevented by external factors affecting phone/internet providers or other circumstances outside the bank's control.

Supporting quotations

Receipt of any of the alerts we send, whether they are automatic alerts or from the Alerts Service, may be delayed or prevented by factor(s) affecting your internet/phone provider or other circumstances.

Qualifications & exceptions

• Receipt may be delayed or prevented by phone/internet provider factors

Legal Rights & Agreement Rules · Restriction or exception

Alert Liability Exclusions and Content/Delay Disclaimers

Wells Fargo disclaims liability for losses or damages arising from non-delivery, delayed delivery, erroneous delivery, inaccurate content, or user reliance on any alert. Alert information is subject to transmission delays.

Supporting quotations

Wells Fargo is not liable for losses or damages arising from:

Non-delivery, delayed delivery, or erroneous delivery of any alert.

Inaccurate alert content.

Your use or reliance on the contents of any alert for any purposes.

The information in any alert may be subject to certain delays.

Qualifications & exceptions

• No liability for non-delivery, delays, inaccuracies, or reliance on alerts

Account & Service Control · Company practice

Push Notification App Usage Requirement and Delivery Maintenance

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

Supporting quotations

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

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

Qualifications & exceptions

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

Account & Service Control · Company practice

Alerts Service Unilateral Termination and Modification Without Notice

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

Supporting quotations

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

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

Qualifications & exceptions

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

Account & Service Control · Permission or license

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

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

Supporting quotations

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

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

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

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

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

Qualifications & exceptions

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

Account & Service Control · Procedure

Online Statement Account Eligibility Determination

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

Supporting quotations

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

Qualifications & exceptions

• Account eligibility determined by logging into secure website

Account & Service Control · Procedure

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

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

Supporting quotations

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

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

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

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

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

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

Qualifications & exceptions

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

Account & Service Control · User right or choice

Deposit Account Online Check Images Viewing and Photocopy Requests

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

Supporting quotations

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

Qualifications & exceptions

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

Retention & Deletion · Company practice

Online Statement 7-Year Retention Period, Onboarding Delays, and Historical Request Fees

Online statements are available for up to a maximum of seven years depending on account type, though some accounts have shorter retention. Gaps may exist if online delivery was not selected at opening, and viewing may take several weeks after enrollment. Historical statements remain available upon request subject to applicable fees.

Supporting quotations

You can access your online statements and documents (including legal notices and disclosures) on the Website.

Statements are available online for up to a maximum of seven years, depending on the type of account enrolled. Statements for some types of Eligible Accounts or Online Financial Services are available for shorter time frames. If you didn't choose online-only delivery when the account was first opened, there may be a gap in the historical statements available online for some types of Eligible Accounts or Online Financial Services.

For some types of Eligible Accounts or Online Financial Services, there may be a delay of up to several weeks after enrollment before you can start viewing statements and documents online. You can still request historical account statements (fees may apply); please refer to the applicable account agreement and disclosures for details.

Qualifications & exceptions

• Statements retained online up to 7 years; historical requests may incur fees

Retention & Deletion · Company practice

Closed Account 90-Day Online Document Access Window

Online statements and documents for closed accounts may remain available online for viewing, downloading, or saving for approximately 90 days after closure. Copies can be requested from customer service thereafter.

Supporting quotations

If you close your account, your online statements and documents for that account may be available for viewing, downloading, or saving for approximately 90 days after the date of closure.

If not available online, visit Wells Fargo Customer Service and contact us for copies of statements and documents.

Qualifications & exceptions

• Online access available for approximately 90 days after account closure

Not stated here

• The text of the linked Wells Fargo Customer Service page is not supplied in this agreement

Account & Service Control · Permission or license

Electronic Tax Documents Consent Scope and October 15 Availability

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

Supporting quotations

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

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

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

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

Qualifications & exceptions

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

Account & Service Control · Procedure

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

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

Supporting quotations

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

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

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

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

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

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

Qualifications & exceptions

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

Account & Service Control · Procedure

Online Contact Information and Brokerage Email Updating Procedures

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

Supporting quotations

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

Qualifications & exceptions

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

Account & Service Control · Procedure

Electronic Tax Documents Hardware, Software, and Storage Requirements

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

Supporting quotations

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

a current version of an internet browser we support,

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

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

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

Qualifications & exceptions

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

Account & Service Control · Company practice

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

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

Supporting quotations

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

Qualifications & exceptions

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

Account & Service Control · Company practice

Online Delivery Unilateral Termination and Email-Based Revocation

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

Supporting quotations

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

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

Qualifications & exceptions

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

Account & Service Control · Restriction or exception

Financial Management Software Third-Party Licensing and Access Limits Disclaimer

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

Supporting quotations

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

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

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

Qualifications & exceptions

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

Account & Service Control · Company practice

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

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

Supporting quotations

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

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

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

Qualifications & exceptions

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

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.

Supporting quotations

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

Legal Rights & Agreement Rules · Restriction or exception

FMS Downloaded Account Information As-Is Warranty and Transmission Liability Disclaimers

Account information downloaded through Financial Management Software is provided 'as is' and 'as available.' Wells Fargo disclaims all warranties and liability regarding third-party software license compliance, accuracy, completeness, availability, timeliness, transmission errors/omissions to user computers/software, fitness for purpose, and non-infringement.

Supporting quotations

You understand and agree that, with regard to your use of Financial Management Software to use the Service or Bill Pay:

The Eligible Account information you download through your Financial Management Software is provided to you "as is" and "as available."

We make no warranties and have no liability as to:

Your access and use of your Financial Management Software according to the terms and conditions of any and all applicable license agreements with the providers of such software;

The accuracy, completeness, availability, or timeliness of the Eligible Account information, text, graphics, or other items in the Eligible Account information that you can download through your Financial Management Software;

The errors or omissions in the delivery or transmission of the Eligible Account information from us to you (and "you" includes delivery to your Financial Management Software and/or your computer); and

The download option's fitness for a particular purpose and non-infringement of any third party rights.

Qualifications & exceptions

• Account info provided 'as is'; bank disclaims accuracy, delivery errors, fitness, and non-infringement warranties

Legal Rights & Agreement Rules · Restriction or exception

FMS Discouraged Payee Categories, Liability Waiver, and User Research Duty

Scheduling payments through Financial Management Software to payees outside the U.S. (including Canada), U.S. Territories, tax authorities, government agencies, or court-ordered payees is discouraged and conducted at user risk. Except as provided by law (including Section 5 consumer EFT rules), Wells Fargo disclaims liability for claims/damages from such payments, and all research and resolution for misapplied/misdirected payments is the user's sole responsibility.

Supporting quotations

Payments to the following types of Payees may be scheduled through the Service via your Financial Management Software, however such payments are discouraged and are scheduled by you at your own risk; except as otherwise provided by law or regulation (including, to the extent applicable, the protections described in Section 5 relating to EFTs for Consumer accounts), in no event will we be liable for any claims or damages that may result if you schedule payments to the following payees:

Payees outside of the United States, including Canada;

Payees to U.S. Territories;

Tax payments;

Government agencies, or

Court-ordered payments (such as child support payments or traffic tickets).

All research and resolution for any misapplied, misposted, or misdirected payments will be your sole responsibility, except as otherwise provided by law or regulation (including, to the extent applicable, the protections described in Section 5 relating to EFTs for Consumer accounts).

Qualifications & exceptions

• Payments to foreign payees, territories, taxes, government agencies, and courts scheduled at user risk; user responsible for research

Legal Rights & Agreement Rules · Restriction or exception

FMS No Monitoring Duty, User Scheduling Risk, and Returned Payment Handling

Wells Fargo has no duty to monitor online transfers or payments made via software. Users assume full risk for proper scheduling and resulting late fees/penalties. Wells Fargo is not liable for third-party transmission or merchant recording failures. For payments returned by payees or the Postal Service, Wells Fargo uses reasonable efforts to research and correct the payment or void it and credit the account.

Supporting quotations

We have no duty to monitor the online transfers or payments that you make. You assume the entire risk of using the Service properly to ensure that funds are transferred and bills are paid properly and timely.

We won't be responsible for any charges imposed or any other action taken by a payee/merchant resulting from a bill payment that you have not scheduled properly, including any applicable finance charges and late fees.

In addition, we won't be liable if any third party through whom any bill payment is made fails to transmit the payment or the payment instruction properly to the intended payee/merchant, or if the merchant/payee or its bank fails to transmit a payment instruction or record a bill payment properly.

In using the Financial Management Software, payees and/or the U.S. Postal Service may return payments for various reasons including, payee's forwarding address expired; payee's account number is not valid; payee is not available to locate account; or payee's account is paid in full. We will use reasonable efforts to research and correct the returned payment and return it to your payee, or void the payment and credit your account.

Qualifications & exceptions

• No duty to monitor payments; user assumes scheduling risk; bank uses reasonable efforts on returned payments

Account & Service Control · Procedure

Disabling Service Features Mandatory Phone Notification Requirement

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

Supporting quotations

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

Qualifications & exceptions

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

Legal Rights & Agreement Rules · Restriction or exception

State Law Statutory Exceptions to Implied Warranty Limitations

Some states prohibit limitations on the duration of implied warranties, meaning certain warranty limitations may not apply to users, and users may retain varying state-specific legal rights.

Supporting quotations

Some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.

Qualifications & exceptions

• State law provisions may override implied warranty limitations

Legal Rights & Agreement Rules · Restriction or exception

FMS Comprehensive Liability Exclusions, Inability to Access, and Telecommunications Failures

Except as provided by law (such as Section 5 consumer EFT rules), Wells Fargo is not liable for inability to use downloads/transfers/bill pay, data inaccuracy or loss, user-caused unauthorized access/alteration, equipment or ISP interconnect failures, natural disasters, strikes, or any other matter relating to FMS options.

Supporting quotations

Unless otherwise provided by law or regulation (including, to the extent applicable, the protections described in Section 5 relating to EFTs for Consumer accounts), you agree that we won't be liable to you for:

Your inability to use the download, transfer and/or bill pay option;

The accuracy, timeliness, loss or corruption, or misdelivery of any Eligible Account information, transfer, bill payment, or any other information;

Unauthorized access to your Eligible Accounts or to your account information and any misappropriation, or alteration, of your account information or data, to the extent the unauthorized access results from your acts or omissions;

Your inability to access your Eligible Account (including, failure of electronic or mechanical equipment, interconnect problems with telephone providers or Internet service providers ("ISPs"), natural disasters, strikes, or other labor problems); or

Any other matter relating to the download, transfer or bill pay option.

Qualifications & exceptions

• Excludes liability for inability to access, data loss, user-caused unauthorized access, and telecom/ISP failures

Legal Rights & Agreement Rules · Company practice

FMS Downloaded Account Data Nature, Tracking-Only Status, and Official Record

Downloaded account information may be incomplete, reflects a single point in time, and excludes pending/unsettled transactions. Bank statements remain the sole official record of transactions and balances; downloaded data is for tracking only. Wells Fargo does not auto-update downloaded data, and users are solely responsible for user-provided data and reliance on downloaded data.

Supporting quotations

You understand and agree that:

Not all the information in your Eligible Accounts can be downloaded into your Financial Management Software.

Information you can download may not include all of your account activity.

Statements we generate are the official record of account transactions, positions, and balances; the information you download is for tracking purposes only and should not be considered an official record.

Account information won't necessarily reflect banking, financial, or investment activities and transactions that have not yet been completed or settled, and will only reflect the account information in your Eligible Accounts at the exact point in time that you download the information

Account information in your Eligible Accounts may reflect transactions as of a prior time period and may not be current when you download the information.

We won't automatically update account information that you download to your Financial Management Software. You will have to update the Eligible Account information by downloading more current information from your accounts

Eligible Account information may include information you provided to us (for example, cost or tax basis information for securities we have transferred into your brokerage account); you're solely responsible for the accuracy of this information.

We aren't liable for any loss, damages, or expenses of any kind as a result of your reliance upon the Eligible Account information in your Financial Management Software

Qualifications & exceptions

• Bank statements are official records; downloaded data is tracking-only, point-in-time, and not auto-updated

Security & Safeguards · Restriction or exception

FMS Security Risk Transfer Upon Download, Wireless Risks, and Device Damage

Downloading account data transfers security and confidentiality responsibility to the user and software provider. Users assume all risk of unauthorized access to stored software data, wireless download interception, letting others access software, and any resulting hardware damage to their computer.

Supporting quotations

You assume all risk that unauthorized third parties may access any Eligible Account information you download and store in your Financial Management Software.

If you send information in an unsecure manner or take the Eligible Account information out of our secure systems by downloading it, we're no longer responsible for the security and confidentiality of that information, and the responsibility is now yours (or may be shared with others, such as your Financial Management Software provider).

We aren't responsible for the security and confidentiality of the Eligible Account information if you:

Use wireless connections to download your account information, in which case you acknowledge other persons may be able to access the information being downloaded; or

Let others access or use your Financial Management Software.

Downloads of Eligible Account information are at your own risk. You are solely responsible for any resulting damage to the computer (or other electronic device) to which you download any information.

Qualifications & exceptions

• Security responsibility transfers to user upon download; bank not responsible for wireless downloads or hardware damage

Content & IP Rights · Restriction or exception

Third-Party Software Separate Licensing and Third-Party Content Non-Endorsement

Wells Fargo may offer installable third-party software tools, requiring users to obtain valid separate provider licenses. Third-Party Content (information, commentary, tools from unaffiliated companies) is labeled on the Website, and Wells Fargo does not own, edit, review, or endorse it.

Supporting quotations

Third-Party Software. We may offer third-party software tools and products ("Third-Party Software") that you can install on your computer. You are responsible for obtaining a valid and separate license agreement with the provider of the Third-Party Software.

Third-Party Content. We may offer information, commentary, and tools supplied by companies not affiliated with us ("Third-Party Content"). Third-Party Content on the Website is labeled as such, and may be available either in a frame, via a hyperlink, or simply posted to the Website. We don't own any interest in, edit, review, or endorse any Third-Party Content.

Qualifications & exceptions

• User must obtain separate third-party software license; bank does not edit, review, or endorse third-party content

Content & IP Rights · Restriction or exception

Third-Party Software and Content As-Is and As-Available Provision

Any Third-Party Software downloaded through Financial Management Software is provided 'as is' and 'as available,' and any Third-Party Content reviewed or used on the Website is provided strictly 'as is.'

Supporting quotations

You understand and agree that:

Any Third-Party Software you download through your Financial Management Software is provided to you "as is" and "as available."

Any Third-Party Content you review or use is provided to you "as is."

Qualifications & exceptions

• Third-party software and content provided strictly 'as is' and 'as available'

Legal Rights & Agreement Rules · Restriction or exception

Third-Party Software Liability Exclusions, Inability to Access, and Unauthorized Access

Wells Fargo disclaims liability for inability to access or use Third-Party Software, inaccuracy/loss/corruption of processed account information, and unauthorized access or alteration of account data resulting from software installation or use, except as provided by consumer EFT laws.

Supporting quotations

We won't be liable to you for:

Your inability to access or use the Third-Party Software.

The accuracy, timeliness, loss or corruption, or misdelivery of any Eligible Account information or any other information processed by the Third-Party Software.

Unauthorized access to your Eligible Accounts or to your account information and any misappropriation, or alteration, of your account information or data as a result of your installation or use of the Third-Party Software, except as otherwise provided by law or regulation (including, to the extent applicable, the protections described in Section 5 relating to EFTs for Consumer accounts).

Qualifications & exceptions

• Excludes liability for software access failures, data corruption, or unauthorized access from software use

Security & Safeguards · Restriction or exception

Third-Party Software Download Risks, Transmission Confidentiality, and Equipment Costs

Users assume all risk of unauthorized access to installed third-party software and entered data. Users and software providers are responsible for data confidentiality during transmission. Users bear download risks, data corruption, hardware damage, and equipment/telecommunications costs.

Supporting quotations

You assume all risk that unauthorized third parties may access any Third-Party Software you download and install, or any information you enter into the Third-Party Software.

If you use the Third-Party Software to transmit information, you and the Third-Party Software provider are responsible for the security and confidentiality of that information.

Any Third-Party Software downloads are your own risk and you alone are responsible for any resulting damage to the computer or other electronic device, as well as for any loss or corruption of data that might occur as a result.

You are solely responsible for acquiring and maintaining a computer or other electronic device that can handle and access the Third-Party Software, including any necessary equipment such as a modem, and that you're responsible for all costs associated with accessing the Third-Party Software.

Qualifications & exceptions

• User assumes risk of unauthorized access, data loss, device damage, and equipment costs

Legal Rights & Agreement Rules · Restriction or exception

Third-Party Software and Content Warranty Disclaimers and State Law Savings Clause

Wells Fargo makes no warranties and has no liability regarding the accuracy, completeness, availability, or timeliness of data processed through third-party software/content, transmission errors/omissions, fitness for purpose, or non-infringement. State laws prohibiting implied warranty duration limits may preserve additional rights.

Supporting quotations

You further agree that we make no warranties and have no liability as to:

The accuracy, completeness, availability, or timeliness of the information, text, graphics, or other items provided, stored, evaluated, or processed through the Third-Party Software or Third-Party Content;

Any errors or omissions in the delivery or transmission of the Third-Party Software or Third-Party Content from us to you (and "you" includes delivery to your Financial Management Software and/or your computer); and

The Third-Party Software's or Third-Party Content's fitness for a particular purpose and non-infringement of any third-party rights.

Some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which may vary from state to state.

Qualifications & exceptions

• Disclaims accuracy, delivery errors, fitness, and non-infringement; state law savings clause applies

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.

Supporting quotations

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.

Supporting quotations

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

Security & Safeguards · Procedure

Username, Password Standards, and Authentication Controls

Access to Eligible Accounts requires a username, password, or approved authentication controls. Wells Fargo sets credential standards and recommends regular password updates and unique credential combinations.

Supporting quotations

You need a username and password, or other Wells Fargo approved security and authentication controls, to access your Eligible Accounts and Online Financial Services through the Service. We may set standards for your username and password, and other security and authentication controls. We recommend that you change your password regularly, and select a unique username and password combination for use only with the Service.

Qualifications & exceptions

• Access requires credentials meeting bank standards; unique credentials recommended

Security & Safeguards · Company practice

Transaction Security Procedures, Specialized Hardware/Software, and Browser Features

Wells Fargo may require additional mandatory or optional security procedures for certain transactions, which may involve special hardware, software, third-party services, security questions, random number generators, or one-time codes. Use of the Service may require specific browsers, OS features, plug-ins, JavaScript, and cookies.

Supporting quotations

We may also require additional security procedures for certain transactions. These additional security procedures may require special hardware, software, or third-party services. To enhance the security of your Eligible Accounts and Online Financial Services, we may also offer you additional, optional security procedures. These could include personal reference questions and answers, random number generators, or one-time access codes.

We may also require the use or activation of specific applications, internet browser software or mobile operating system features, plug-ins, and add-ons to use the Service. These could include JavaScript support and "cookies."

Qualifications & exceptions

• Transactions may require additional security controls, hardware, software, or browser features

Data Access & Collection · Company practice

Device Data Access, Network Identifiers, and Digital Privacy Policy Incorporation

To enhance secure access, Wells Fargo accesses detailed device information including telephone numbers and unique internal and network identifiers. Cookies and tracking technologies are used for security and operational purposes as described in the Digital Privacy and Cookies Policy.

Supporting quotations

To enable and enhance secure access to the Service, we may also access detailed information about the computers and Mobile Devices you use to access the Service. This could include telephone numbers and unique internal and network identifiers for your computers and Mobile Devices. We also use cookies and other technology for information security and other purposes, as described in our Digital Privacy and Cookies Policy.

Qualifications & exceptions

• Accesses device telephone numbers, unique network identifiers, and uses cookies under Privacy Policy

Not stated here

• The text of the linked Digital Privacy and Cookies Policy is not supplied in this agreement

Security & Safeguards · Procedure

Username and Password Standards, Confidentiality, and Update Channels

Usernames and passwords must meet established standards, and Wells Fargo may require changes at any time. Users are responsible for keeping passwords confidential, unique, and memorized. Credentials can be changed within the Service or by phone.

Supporting quotations

Usernames and passwords must meet the standards we establish. These standards will be available for your reference whenever you create or change a username and/or password.

We may require you to change or update your username and/or password at any time, including to meet any new standards we may establish. You are responsible for keeping your password confidential.

You can change your username and/or password within the Service or by calling 1-800-956-4442 (1-877-879-2495 for Wells Fargo Advisors accounts, or 1-866-552-3312 (WFCS Custodied brokerage accounts)).

Qualifications & exceptions

• Bank may require credential updates at any time; user responsible for confidentiality

Security & Safeguards · Procedure

UCC Article 4A Transfer Security Procedures and Commercial Reasonableness

For UCC Article 4A transfers (including business transactions and ExpressSend), security procedures verify credentials, security questions, random code generators, or one-time passcodes, and may require a non-burner mobile phone. The procedure verifies authenticity rather than error detection, and the user agrees it is commercially reasonable.

Supporting quotations

The provisions in this Section 16(c) only apply to transactions which may be subject to Article 4A of the Uniform Commercial Code ("UCC 4A"), including online transactions from business accounts, and ExpressSend (or any successor product(s) we may offer from time to time) transfers. This Section 16(c) does not apply to Wire Transfers – please see Section 8(b) above for the security procedure for Wire Transfers.

The security procedure consists of verifying your username and a password, and/or such other additional security and authentication methods as we may require from time to time.

We may require that you provide to us a permanent, text message-enabled U.S. mobile phone number that you intend to use for an extended period of time (i.e., no "burner" numbers), before you use any Service subject to this Section 16(c).

The purpose of the security procedure is to verify the authenticity of a transfer request delivered to us in your name and not to detect errors in the transfer. You agree the security procedure required by us in this Agreement is commercially reasonable, and meets your needs with regard to the size, type, and frequency of your transfers governed by UCC 4A.

Qualifications & exceptions

• Applies to UCC 4A transfers; requires non-burner mobile number; procedure verifies authenticity, not errors

Legal Rights & Agreement Rules · Restriction or exception

Verified UCC Article 4A Transfer Binding Effect and Consequential Damages Waiver

Users agree to be bound by any transfer request verified under the UCC 4A security procedure, even if unauthorized. Wells Fargo's liability is limited to statutory damages under UCC 4A, expressly excluding exemplary, special, indirect, or consequential damages, and lost profits.

Supporting quotations

You agree to be bound by any transfer request that Wells Fargo receives and verifies following our security procedure, even if the transfer request was not authorized by you.

You agree that we may be liable only for damages required to be paid under UCC 4A. In no event will we be liable for any exemplary, special, indirect, or consequential loss, damage, costs, or expense of any nature, including lost profits, even if we have been informed of the possibility of such damages, except as may be required by law or regulation.

Qualifications & exceptions

• User bound by verified transfers even if unauthorized; consequential damages and lost profits excluded

Security & Safeguards · Procedure

Security Incident Immediate Notification Channels and Unauthorized Use Liability

Users must immediately notify Wells Fargo of suspected fraud, lost/stolen passwords, lost/compromised mobile devices, or unauthorized viewing/deletion of records by calling 1-800-956-4442 (24/7) or writing to Customer Correspondence. Users may be liable for losses resulting from unauthorized credential use to the extent permitted by law.

Supporting quotations

Even though information exchanged through the Service is protected by advanced encryption techniques while being transmitted, you still need to protect your username and password for the Service.

You must notify us immediately if you suspect fraudulent activity on your Eligible Account or if you believe that:

Your password may have been lost or stolen.

A Mobile Device you use to access the Service has been lost, stolen, or compromised.

Someone viewed, downloaded, or deleted electronic records from your Eligible Account or Online Financial Service without your permission.

To notify us:

Call 1-800-956-4442 anytime, 24 hours a day, seven days a week; or

Write to Wells Fargo Customer Correspondence, PO Box 6995, Portland, OR, 97228-6995.

In the event of unauthorized use of your username and password, or any other security or authentication technique we use, you may be liable for resulting losses, to the extent permitted by law or regulation.

Qualifications & exceptions

• User must notify bank immediately; may be liable for losses from unauthorized credential use as permitted by law

Use & Processing · Context

Wells Fargo Privacy Notices Incorporation and Point of Collection Disclosures

User information is handled in accordance with applicable Wells Fargo Privacy Notices and any specific notices provided at the point of data collection.

Supporting quotations

We treat your information in accordance with Wells Fargo's Privacy Notices applicable to you and your accounts and any notice provided to you at the point of collection.

Qualifications & exceptions

• Information treated in accordance with Privacy Notices and point-of-collection disclosures

Not stated here

• The text of the linked Privacy Notices is not supplied in this agreement

Data Access & Collection · Company practice

Digital Privacy Policy, Device Identifiers, IP Address, and Geolocation Collection

Use of the Service is subject to the Digital Privacy and Cookies Policy. Wells Fargo may collect and retain information about users, browsers, and devices, including IP addresses, unique device identifiers, and geolocation data (if enabled).

Supporting quotations

Your use of the Service is subject to the Wells Fargo Digital Privacy and Cookies Policy. By accessing or using the Service, you understand and agree that Wells Fargo may collect and retain information about you, your internet browser, or the device you use to access the Service, including Internet Protocol (IP) address, device identifier, and geolocation (if enabled on your device).

Qualifications & exceptions

• Collects IP addresses, device identifiers, and geolocation data subject to Digital Privacy and Cookies Policy

Not stated here

• The text of the linked Wells Fargo Digital Privacy and Cookies Policy is not supplied in this agreement

Data Access & Collection · Company practice

Analytics, Tracking Pixels, Interaction Monitoring, and Visual Session Replay

Wells Fargo uses analytics and monitoring tools, cookies, tracking pixels, and log files to track user interactions with Services. Data is used by Wells Fargo and service providers for interaction monitoring, visual session replay, fraud detection, customer support, product improvements, and marketing.

Supporting quotations

We use analytics and monitoring tools to collect information about your interaction with our Services. These interactions are collected using tracking technologies like cookies and pixels, and technical log files.

Along with our service providers, we use the data for purposes that include interaction monitoring and visual replay for fraud, customer service, product improvement, marketing, and other purposes allowed by law or specified in our privacy notices.

Qualifications & exceptions

• Interactions tracked using cookies, pixels, and log files for visual session replay and monitoring

Sharing & Disclosure · Permission or license

Wireless Carrier Information Disclosure Authorization for Identity and Fraud Prevention

Users authorize their wireless carrier to disclose account and wireless device details to Wells Fargo, Affiliates, and service providers for the duration of the relationship to assist in identity verification and fraud prevention.

Supporting quotations

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Wells Fargo, its Affiliates, or our service providers for the duration of your business relationship, to help them identify you or your wireless device and to prevent fraud. See our Privacy Notices for how we treat your information.

Qualifications & exceptions

• Authorizes wireless carrier to disclose account and device data for identity verification and fraud prevention

Not stated here

• The text of the linked Privacy Notices is not supplied in this agreement

Use & Processing · Company practice

Marketing Data Collection, Minor Exclusion, and Privacy Preference Opt-Out

Wells Fargo collects and retains user information for product marketing, excluding minors under 18. Users may change marketing privacy preferences online or by calling 1-888-528-8460.

Supporting quotations

You acknowledge and agree that:

We may collect and retain certain information and use that information to market our products and services to you, unless you are a minor under the age of 18.

You can change your privacy preferences online or call 1-888-528-8460.

Qualifications & exceptions

• Minors under 18 excluded from marketing data usage; users may opt out online or by phone

Data Access & Collection · Company practice

Precise Location Tracking, Interaction Recording, and Automated Compliance Detection

Wells Fargo tracks and records precise device geographic location (if enabled) and website interactions during Service access, and employs automated processes to detect agreement violations or unlawful activity.

Supporting quotations

If you access the Service, or use an Online Financial Service, we may track and record your precise geographic location (if enabled on your device) and your interaction with our Website.

We may use automated processes to detect any use of the Service that violates the terms of this Agreement or any applicable law or regulation.

Qualifications & exceptions

• Precise location tracked if enabled on device; automated detection for agreement violations

Legal Rights & Agreement Rules · Company practice

Website Annual Privacy Notice Posting Deemed Actual Notice

Annual privacy notices are furnished on the Website, and their online availability constitutes actual legal notice of their contents to users.

Supporting quotations

You will receive your annual privacy notices on our Website and the availability of the privacy notices on the Website constitutes actual notice of the contents of the privacy notices.

Qualifications & exceptions

• Website availability of annual privacy notice legally constitutes actual notice

Data Access & Collection · Company practice

AI Chat/Phone Communication Recording, Monitoring, and Browsing History Sharing

Communications via chat, virtual AI assistant, telephone, or human-simulated conversation may be monitored, recorded, analyzed, and retained by Wells Fargo and third-party service providers without further notice. Users inviting third parties must notify them. Browsing history captured by cookies/pixels may be shared with service providers and third parties.

Supporting quotations

Any communications with us through use of chat, virtual AI assistant, telephone, human-simulated conversation, or a similar technology may be monitored, recorded, analyzed, and retained, by both Wells Fargo and our service providers, without any further notice to you.

If you invite another party to join a communication between you and Wells Fargo, you are responsible for providing that party with notice of recording, monitoring and analysis done by Wells Fargo and its services providers. Communications may be shared with our service providers and other third parties in accordance with our privacy policy and applicable law.

We use cookies, pixels, and related technology which may capture web browsing history and similar information. We may share the information collected via that technology with our service providers and other third parties in accordance with our privacy notices and applicable law, without any further notice to you.

Qualifications & exceptions

• AI chat, virtual assistants, and calls monitored, analyzed, and recorded without further notice

Data Access & Collection · Permission or license

Minor Information Consent, Health Data Strictly Necessary Classification, and Minor Privacy Notice

Users providing minor information represent authorization, and agree Wells Fargo's use is strictly necessary to provide and improve services. Minor personal data collection is governed by the Minor Privacy Notice. Any information provided linkable to physical or mental health is agreed to be strictly necessary to provide and improve requested services.

Supporting quotations

If you provide either information about a minor or permission to collect a minor’s personal information, you agree that you are authorized to do so and that Wells Fargo may use that personal information for the purposes for which it was collected. You further agree that Wells Fargo's use of that information about a minor is strictly necessary to provide a requested product or service, including improving the services covered by this Agreement.

If you are a minor, we may collect and retain certain personal information that you provide to Wells Fargo. For more information about the types of personal information Wells Fargo collects and the reasons why Wells Fargo collects the information, including any potential protections under US federal and state privacy laws, please see the Minor Privacy Notice.

If you provide any information that is reasonably linkable to an individual’s physical or mental health, you further agree that Wells Fargo's use of that information is strictly necessary to provide a requested product or service, including improving the services covered by this Agreement.

Qualifications & exceptions

• Minor data and health data deemed strictly necessary to provide and improve requested services

Not stated here

• The text of the linked Minor Privacy Notice is not supplied in this agreement

Data Access & Collection · Company practice

Biometric Data Collection: Voiceprints, Keystroke Dynamics, and Behavioral Patterns

Wells Fargo collects biometric data—including voiceprints and behavioral characteristics such as keystroke dynamics and mouse movements—and precise geolocation data to authenticate users, prevent fraud, enhance account security, and comply with legal requirements.

Supporting quotations

We may collect biometric data about you to authenticate you for access to the Service, to prevent fraud, and to enhance the security of your accounts. The biometric data we collect may include voiceprints and behavioral characteristics such as keystroke and mouse movement patterns.

We may also collect precise geolocation or other location data to comply with law, authenticate you for access to the Service, prevent fraud, to enhance the security of your accounts, and to provide services to you.

Qualifications & exceptions

• Collects voiceprints, keystrokes, mouse movements, and precise location for authentication and fraud prevention

Sharing & Disclosure · Permission or license

Cross-Border International Personal Data Transfer Consent to the United States

Accessing the Service from outside the United States subjects the user to U.S. laws regarding personal data collection, storage, processing, and disclosure, and constitutes consent to the cross-border transfer of personal information to the United States.

Supporting quotations

If you access the Service from locations outside the United States, you may be subjecting yourself to United States law, which may differ from your local laws, including laws governing personal data collection, storage, deletion, processing, use, and disclosure. By using this service, you consent to the transfer of your personal information to the United States.

Qualifications & exceptions

• Using service from outside U.S. constitutes consent to cross-border data transfer to United States

Account & Service Control · Restriction or exception

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

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

Supporting quotations

You agree that:

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

You are responsible for keeping your username and password confidential.

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

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

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

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

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

Qualifications & exceptions

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

Security & Safeguards · Procedure

Duty to Report Unauthorized Credential Use by Phone Immediately

Users must immediately contact Wells Fargo by calling 1-800-956-4442 or the phone number on their account statement to report actual or suspected unauthorized use of their username or password.

Supporting quotations

You will immediately notify us at 1-800-956-4442 or the phone number located on your statement to report any actual or suspected unauthorized use of your username or password.

Qualifications & exceptions

• Immediate reporting required via 1-800-956-4442 or statement phone number

Account & Service Control · Restriction or exception

User Information Accuracy Obligation and Identity Misrepresentation Ban

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

Supporting quotations

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

You will not misrepresent your identity.

Security & Safeguards · Restriction or exception

Prohibitions on Scraping, Jailbreaking, Safety Circumvention, and Fraudulent Content

Users may not use the Service for unlawful purposes, engage in bot scraping, technical attacks, excess usage, prompt manipulation, or jailbreaking, circumvent abuse protections or safety filters, or create or share fraudulent, deceptive, or disinformation content.

Supporting quotations

You will not use the Service for unlawful purposes, or purposes that are not permitted expressly or implicitly, by this Agreement or by any applicable law or regulation. You will not engage in activity that is harmful to the Service, including bot scraping behaviors, technical attacks, excess usage, prompt-based manipulation, or "jailbreaking," and will not attempt to circumvent any aspect of the Service, including any abuse protections or safety filters. You will not manipulate the Service to contravene this Agreement.

You will not encourage, or attempt to harm or cause harm to others, or violate the rights of others.

You will not engage in activity that is fraudulent, invasive, infringing, false, deceptive, misleading, or promotes or encourages illegal activity. You will not attempt to create or share content that could mislead or deceive others, including for example creation of disinformation, content enabling fraud, or deceptive impersonation.

Qualifications & exceptions

• Applies to all Service interactions including AI prompts, scraping, and content creation

Security & Safeguards · Restriction or exception

Network Compliance, Disruption Prevention, Malware Distribution, and Anti-Spam Rules

Users must comply with network policies and are strictly prohibited from disrupting or impairing the Service, distributing viruses, malware, or destructive items, sending unsolicited spam, or engaging in phishing.

Supporting quotations

You will comply with all rules, policies, and procedures of networks through which you access and use the Service.

You will not use the Service in a way that disrupts, damages, disables, overburdens, interferes, or impairs the Service, the networks through which you access or use the Service, or with any other party's use of the Service. You will not distribute viruses, worms, Trojan horses, corrupted files, malware, hoaxes, or other items of a destructive or deceptive nature through the Service.

You will not generate, distribute, publish or facilitate unsolicited mass email, promotions, advertisements, or other solicitations (“spam”), or engage in any phishing activities.

Security & Safeguards · Restriction or exception

Unauthorized Account Access, Data Duplication, and Reverse Engineering Ban

Users are forbidden from accessing unauthorized accounts, copying, modifying, or distributing files from unauthorized accounts, extracting components, or reverse engineering any part of the Service or its interfaces.

Supporting quotations

You will not access or attempt to access any Service account for which you have no access authorization, or duplicate, modify, distribute, or display any of the data or files from any such account.

You will not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Service. You will not attempt to reverse engineer, extract components of, gain unauthorized access to, or use the Service (or any interfaces provided with the Service) in a manner that is not expressly permitted under the Agreement.

Account & Service Control · Restriction or exception

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

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

Supporting quotations

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

Qualifications & exceptions

• Excludes bank-provided software

Legal Rights & Agreement Rules · Company practice

Serviced Mortgage Status and Customer Relationship Disclaimer

If Wells Fargo services a mortgage it does not hold, access to Online Financial Services for that mortgage does not create an account or customer relationship with Wells Fargo, and services are provided solely as servicer on behalf of the mortgage holder.

Supporting quotations

If you have a mortgage and a Wells Fargo entity is the servicer of your mortgage but does not hold your mortgage, you agree that (1) this Agreement and the Online Financial Services relating to that mortgage do not create an account or customer relationship with Wells Fargo and (2) the Wells Fargo entity is offering Online Financial Services relating to that mortgage strictly as the servicer, on behalf of your mortgage holder.

Qualifications & exceptions

• Applies when Wells Fargo acts as mortgage servicer without holding the underlying mortgage note

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

Legal Rights & Agreement Rules · Restriction or exception

Comprehensive Disclaimer of Warranties, System Continuity, and Defect Correction

To the fullest extent permitted by law, Wells Fargo disclaims all express and implied warranties, including merchantability and fitness for a particular purpose, and does not warrant uninterrupted access, error correction, or freedom from viruses.

Supporting quotations

To the fullest extent permitted by law or regulation, we make no warranties of any kind for the Service, either express or implied, including, implied warranties of merchantability or fitness for a particular purpose.

We do not warrant that the Service will be uninterrupted or error free, that defects will be corrected, or that our Website that makes the Service available is free of viruses or other harmful components.

Qualifications & exceptions

• To the fullest extent permitted by law or regulation

Legal Rights & Agreement Rules · Restriction or exception

Exclusion of Consequential, Indirect, Incidental, Special, and Punitive Damages

Wells Fargo, its affiliates, officers, directors, agents, and licensors disclaim all liability for consequential (including lost profits, lost data, and procurement costs), indirect, incidental, special, or punitive damages under contract, negligence, or any legal theory.

Supporting quotations

Wells Fargo and its officers, directors, shareholders, parents, subsidiaries, affiliates, agents, licensors, or third- party service providers are not liable for any:

Consequential (including loss of data, files, profit, or goodwill or the costs of procurement of substitute goods or service) damages.

Indirect damages.

Incidental damages.

Special damages.

Punitive damages.

This is true whether these damages occur in an action under contract, or from negligence or any other theory, arising out of, or in connection with, this Agreement, the Service, or the inability to use the Service.

Qualifications & exceptions

• Covers contract, negligence, and all legal theories; subject to state law prohibitions

Legal Rights & Agreement Rules · Restriction or exception

Force Majeure, Cyber-Attacks, System Failures, and Maintenance Outage Liability Exclusion

Wells Fargo disclaims liability for damages or service failures resulting from scheduled maintenance or circumstances beyond its control, including power outages, system failures, fires, floods, natural disasters, extreme weather, and cyber-attacks (such as DoS), except where prohibited by state law.

Supporting quotations

In addition to reasons such as scheduled system maintenance, damages could arise from circumstances beyond our control, even if we advise you of the possibility of such damages. These circumstances could include:

Power outages.

System failures.

Fires.

Floods.

Natural disasters.

Extreme weather.

Cyber-attacks, including Denial of Service (DoS).

Wells Fargo won't be liable for any failure of availability or performance due to scheduled system maintenance or circumstances beyond our control (such as power outage, computer virus, system failure, fire, flood, earthquake, or extreme weather).

In states that prohibit the limitation of liability for consequential or incidental damages, the above limitations may not apply.

Qualifications & exceptions

• Except in states prohibiting limitations of liability for consequential or incidental damages

Legal Rights & Agreement Rules · Restriction or exception

Third-Party Equipment/Software Liability Disclaimer and Geographic Service Scope

Wells Fargo disclaims liability for losses from external equipment or third-party software failures (such as browsers or ISPs), and makes no representation that the Service is appropriate or available outside the continental US, Alaska, or Hawaii.

Supporting quotations

Except as specifically provided in this Agreement or otherwise required by applicable law or regulation, we, our service providers or other agents, also won't be liable for:

Any loss or liability you may incur resulting wholly or partly from failure or misuse of your equipment or software provided by an external company (such as an internet browser provider, an internet access provider, an online service provider, or an agent or subcontractor of any of them).

Any direct, indirect, special or consequential, economic, or other damages arising in any way from your access/use/failure to obtain access to the Service. Wells Fargo does not make any representation that any content or use of the Service is appropriate or available for use in locations outside of the continental United States, Alaska, or Hawaii.

Qualifications & exceptions

• No representation of service availability outside continental US, Alaska, or Hawaii

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.

Supporting quotations

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

Legal Rights & Agreement Rules · Restriction or exception

Comprehensive User Indemnification Obligations Across Service Usage and Breaches

Users agree to indemnify and hold harmless Wells Fargo, its affiliates, officers, employees, and agents from third-party claims, liabilities, damages, and attorney's fees arising from content infringement, fraud, legal violations, service use, or acts of Authorized Representatives or Delegates.

Supporting quotations

Except where we're liable under the terms of this Agreement or another agreement governing the applicable Eligible Account or Online Financial Service, you agree to indemnify, defend, and hold us, our affiliates, officers, directors, employees, consultants, agents, service providers, and licensors, harmless from any and all third-party claims, liability, damages, obligations, demands, charges, expenses, and/or costs (including reasonable attorney's fees) arising from:

A third-party claim, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or other content or materials you submit to us.

Any fraud, manipulation, or other breach of this Agreement or the Service.

Your violation of any other applicable laws, regulations, or rights of a third party, including rights of privacy, publicity, or other property rights.

The provision of the Service or use of the Service by you or any third party.

Any negligent or intentional act or omission by you in the performance of your obligations under this Agreement.

The violation of any applicable law, statute, or regulation in the performance of your obligations under this Agreement.

Any breach of a representation, warranty, covenant, or obligation contained in this Agreement.

You are providing this indemnification without regard to whether our claim for indemnification is due to the use of the Service by you, your Authorized Representative, or your Delegate.

Qualifications & exceptions

• Applies regardless of whether use was by user, Authorized Representative, or Delegate

Legal Rights & Agreement Rules · Restriction or exception

Bank Defense Control and Settlement Consent Prerequisite in Indemnified Matters

Wells Fargo reserves the right to defend and control any indemnified matter at its own expense, requiring user defense cooperation and prohibiting user settlements without prior written consent.

Supporting quotations

We reserve the right to defend/control (at our own expense) any matter otherwise subject to indemnification by you. In such a case, you will cooperate with us in asserting any available defenses. You won't settle any action or claims on our behalf without our prior written consent.

Qualifications & exceptions

• User prohibited from settling claims on bank's behalf without prior written consent

Legal Rights & Agreement Rules · Restriction or exception

Arbitration Agreement Scope and Covered Disputes Definition

The arbitration agreement includes a mutual waiver of class action rights and governs Covered Disputes, comprising agreement interpretation, the Service, the Online Access Process, and Online Financial Services.

Supporting quotations

This Section constitutes the arbitration agreement between you and us ("Arbitration Provision"), and includes a mutual waiver of class action rights. It governs disputes about the following, which are known as "Covered Disputes":

Interpretation of this Agreement.

The Service.

The Online Access Process.

Online Financial Services ("Covered Disputes").

Qualifications & exceptions

• Includes mutual waiver of class action rights

Not stated here

• The full text of any separately referenced agreement is not supplied in this source.

Legal Rights & Agreement Rules · Restriction or exception

Arbitration Exclusions: Brokerage and Separate Account Agreements Precedence

The arbitration provision excludes brokerage account disputes (governed by the Pre-Dispute Arbitration Agreement in brokerage documents) and disputes arising under separate agreements governing other Eligible Accounts.

Supporting quotations

This Section does not cover the following disputes:

Disputes about Eligible Accounts that are brokerage accounts. These are governed by the Pre-Dispute Arbitration Agreement and governing law provisions contained in the brokerage account agreement document, which takes precedence over this Section.

Disputes arising under any separate agreement governing your other Eligible Accounts. These are governed by the dispute resolution and governing law provisions of that agreement, which also take precedence over this Section.

Qualifications & exceptions

• Brokerage and separate account agreements take precedence over this arbitration section

Legal Rights & Agreement Rules · Restriction or exception

Mandatory Arbitration on Demand and Mutual Jury Trial Waiver

Upon demand by either party, any Covered Dispute must be resolved through binding arbitration, with both parties explicitly waiving the right to a jury trial or judge trial in public court.

Supporting quotations

You and we agree that any Covered Disputes between or among you and us, regardless of when it arose, will, upon demand by either you or us, be resolved by the arbitration process described in Section (d) below. You understand and agree that you and we are each waiving the right to a jury trial or a trial before a judge in a public court.

Qualifications & exceptions

• Applies regardless of when the dispute arose; waives public court judge and jury trials

Legal Rights & Agreement Rules · Restriction or exception

Small Claims Court Exception to Mandatory Arbitration

Both the user and Wells Fargo retain the right to pursue individual claims in small claims court in the state of the user's residence, provided the claim is within that court's jurisdictional limits.

Supporting quotations

As an exception to this Arbitration Provision, we both retain the right to pursue disputes in small claims court in the state where you reside if the dispute lies within that court's jurisdiction.

Qualifications & exceptions

• Dispute must fall within the monetary and subject-matter jurisdiction of the small claims court

Legal Rights & Agreement Rules · Company practice

Fallback Judicial Jurisdiction and Award Enforcement Venue

If the arbitration agreement is held void or unenforceable, or for proceedings to enforce arbitration or enter judgment on an award, parties irrevocably consent to the exclusive jurisdiction of the state or federal courts in the state governing the account.

Supporting quotations

If the Arbitration Agreement is ever deemed unenforceable or void, or a dispute between the parties is not subject to arbitration, or for any actions to enforce the Arbitration Agreement or seek entry of judgment on any arbitration award, then, except for disputes brought in small claims court, the parties irrevocably consent to the exclusive jurisdiction of the state or federal courts in the state whose laws govern your account, without regard to conflict of laws principles.

Qualifications & exceptions

• Governing state determined by the laws governing the user's account without regard to conflict principles

Legal Rights & Agreement Rules · Context

Broad Scope and Definition of Arbitrable Disputes

Disputes subject to arbitration encompass any unresolved disagreement, including contract claims, torts or negligence, statutory or common law claims, and disagreements concerning the interpretation or meaning of the arbitration provision.

Supporting quotations

A dispute is any unresolved disagreement between or among you and us. Disputes include:

Claims based on broken promises or contracts.

Torts (injuries caused by negligent or intentional conduct) or other wrongful actions.

Statutory, common law, and equitable claims.

Any disagreement about the meaning of this Arbitration Provision.

Qualifications & exceptions

• Includes contract, tort, statutory, common law, equity, and interpretation claims

Legal Rights & Agreement Rules · Procedure

Arbitration Demand Timing and Legal Expense Shifting for Refusal

Either party may demand binding arbitration at any reasonable time, even after litigation commences. A party failing to comply with a lawful demand must bear all costs and legal expenses (including attorney's fees) incurred in compelling arbitration.

Supporting quotations

Binding arbitration lets an independent third party resolve a Covered Dispute without using the court system, judges, or juries. Either you or we may require the submission of a Covered Dispute to binding arbitration at any reasonable time, even if a lawsuit or other proceeding has begun. If either you or we don't submit to binding arbitration following a lawful demand, the one who fails to so submit bears all costs and expenses (including attorney's fees and expenses) incurred by the other in compelling arbitration.

Qualifications & exceptions

• Demand may be made at any reasonable time even after lawsuit commences; cost-shifting applies on failure to submit

Legal Rights & Agreement Rules · Restriction or exception

Class Action Waiver, Claim Consolidation Prohibition, and Private AG Ban

Parties waive any right to join or consolidate disputes with others, assert claims as class members or class representatives, or participate in arbitration as a private attorney general or on behalf of the general public.

Supporting quotations

Neither you nor we will be entitled to:

Join, consolidate, or combine Covered Disputes by or against others in any arbitration; or

Include in any arbitration any Covered Dispute as a representative or member of a class; or

Act in any arbitration in the interest of the general public or in a private attorney general capacity.

Qualifications & exceptions

• Applies mutually to user and bank in all arbitration proceedings

Legal Rights & Agreement Rules · Procedure

AAA Administration, Commercial/Consumer Rules, and Bar Expertise Standards

Arbitrations are administered by the American Arbitration Association under its Commercial or Consumer Rules (or court-appointed alternative if unavailable), with agreement terms controlling variances, and arbitrators must be state bar members with subject-matter expertise.

Supporting quotations

Each arbitration, including the selection of the arbitrator, will be administered by the American Arbitration Association ("AAA"), according to the Commercial Arbitration Rules and the Consumer Arbitration Rules ("AAA Rules"), provided that if the AAA is unavailable or unwilling to administer an arbitration consistent with this Arbitration Provision, the parties shall agree on an alternative administrator that will do so, and if the parties are unable to agree, they shall jointly petition a court of competent jurisdiction to appoint an administrator that will do so (the AAA or such other administrator to be referred to here as the "Arbitration Administrator").

To the extent that there is any variance between the AAA Rules and this Arbitration Provision, this Arbitration Provision will control. Arbitrator(s) must be a member of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the Covered Dispute.

Qualifications & exceptions

• Agreement terms supersede any conflicting AAA Rules; arbitrator must be licensed in state of hearing

Legal Rights & Agreement Rules · Restriction or exception

Interstate Commerce Acknowledgement, FAA Governance, and Court Role on Scope

Transactions involve interstate commerce governed by the Federal Arbitration Act (FAA); the arbitrator decides all substantive issues, while courts retain sole jurisdiction over the scope, validity, and arbitrability of the arbitration agreement.

Supporting quotations

You and we each agree that in this relationship:

You and we are participating in transactions involving interstate commerce.

All issues are for the arbitrator to decide, except that issues relating to the scope and enforceability of this Arbitration Provision or whether a dispute can or must be brought in arbitration are for a court of competent jurisdiction to decide.

Each arbitration is governed by the provisions of the Federal Arbitration Act (Title 9 of the United States Code) and, to the extent any provision of that Act is inapplicable, unenforceable, or invalid, the laws governing the relationship between you and us about which the Covered Dispute arose.

Qualifications & exceptions

• Courts decide arbitration scope, validity, and enforceability; arbitrator decides all other issues

Legal Rights & Agreement Rules · Procedure

Arbitration Demand Requirements, FRCP Rule 11 Sanctions, and Hearing Format

Arbitration demands must include detailed claimant/account details, transaction facts, claim basis, and damage calculations with personal signature. FRCP Rule 11 standards and sanctions/fee-shifting apply to frivolous claims, and claims of $10,000 or more require in-person or video hearings with personal appearance.

Supporting quotations

The party initiating arbitration must include in the arbitration demand all of the following information: (i) the claimant’s name, address, telephone number, and email address; (ii) the applicable account holder’s name (if different from the claimant) and account number; (iii) information sufficient to identify any transaction at issue including the date and location of any such transaction, if applicable; (iv) a detailed description of the nature and basis of the claims asserted; and (v) a detailed description of the nature and basis of the relief sought, including a calculation for it. The demand must be personally signed by the party initiating arbitration (and by counsel if the claimant is represented). By submitting an arbitration demand, the claimant (and, counsel, if the claimant is represented) represent that, as in court, they are complying with the requirements of Federal Rule of Civil Procedure 11(b). The arbitrator is authorized to impose any sanctions available under Federal Rule of Civil Procedure 11 on represented parties and their counsel. If the arbitrator finds that either the substance of your or our claim or the relief sought was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then we or you may also seek applicable fee-shifting. Either we or you may request to have the arbitration conducted by a video or in-person hearing, or through written submissions, except any dispute seeking $10,000 or more, or injunctive relief, shall have a video or in-person hearing unless the parties agree otherwise. You and our representative will personally appear at any hearing (with counsel, if represented).

Qualifications & exceptions

• Personal signature required; FRCP 11 sanctions apply; claims of $10,000+ require video or in-person hearing

Legal Rights & Agreement Rules · Restriction or exception

Class Action Waiver Non-Severability Clause and Settlement Participation Right

If the class action or representative action waiver is found unlawful or unenforceable, it is non-severable and the entire arbitration agreement becomes void, though parties retain the right to participate in class-wide settlements.

Supporting quotations

To find out how to initiate arbitration, please call any office of the AAA or visit the AAA Website at www.adr.org. If any of the provisions of this Arbitration Provision dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be unlawful or unenforceable, that invalid provision shall not be severable and this entire arbitration agreement shall be unenforceable.

Notwithstanding the foregoing, the parties retain the right to participate in a class-wide settlement.

Qualifications & exceptions

• Unenforceability of class/representative action waiver voids the entire arbitration agreement

Legal Rights & Agreement Rules · Restriction or exception

Preservation of Foreclosure, Self-Help, Injunctions, and ERISA Remedies

The arbitration provision does not prevent either party from exercising lawful remedies for property foreclosure/possession, self-help (such as setoff or repossession), seeking provisional court remedies (injunction, attachment, receivership), or enforcing ERISA Section 502 rights.

Supporting quotations

This Arbitration Provision and the exercise of any of the rights you and we have under this Arbitration Provision do not stop either of us from exercising any lawful rights to use other remedies available to:

Preserve, foreclose, or obtain possession of real or personal property.

Exercise self-help remedies, including setoff and repossession rights.

Obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment, or court appointment of a receiver by a court having jurisdiction.

Enforce your rights under section 502 of the Employee Retirement Income Security Act of 1974.

Qualifications & exceptions

• Preserves self-help, foreclosure, injunctive relief, and ERISA statutory claims

Legal Rights & Agreement Rules · Procedure

Arbitration Hearing Rules: Dispositive Motions, 180-Day Target, and Venue

Arbitrators may rule on dispositive motions (judgment on pleadings, summary judgment). Proceedings should be completed within 180 days of AAA filing, must take place in the user's state of residence or AAA venue, and are subject to applicable statutes of limitations.

Supporting quotations

You and we each agree to take all steps and execute all documents necessary for the implementation of arbitration proceedings. The arbitrator may hear and rule on appropriate dispositive motions as part of the arbitration proceeding, such as motions for judgments on the pleadings, summary judgment, or partial summary judgment.

All parties (the AAA, the arbitrators, you, and we) must, to the extent feasible, take any action necessary to ensure that an arbitration proceeding, as described in this Arbitration Provision, is completed within 180 days of filing the Covered Dispute with the AAA. This provision will be liberally construed to ensure the enforcement of this Arbitration Provision.

Arbitration proceedings are conducted in the state where you reside or at a location determined by the AAA. All statutes of limitations that apply to any Covered Dispute apply to any arbitration between you and us.

Qualifications & exceptions

• 180-day completion target; venue in user's state of residence or AAA designated location

Legal Rights & Agreement Rules · Restriction or exception

Arbitration Agreement Post-Termination Survival and Document Precedence

The arbitration agreement survives account termination, expiration, or agreement amendment. It supersedes prior dispute resolution communications, and where multiple arbitration clauses apply, the agreement most directly related to the account or transaction controls.

Supporting quotations

The provisions of this Arbitration Provision will survive termination, amendment, or expiration of your Account relationship, the governing Agreement, or any other relationship between you and us.

This Arbitration Provision constitutes the entire agreement between you and us and supersedes all prior arrangements and other communications about dispute resolution. If more than one arbitration agreement mutually entered into by you and us potentially applies to a Covered Dispute, the one most directly related to the Eligible Account or transaction that is the subject of the dispute will control.

Qualifications & exceptions

• Survives account termination; most directly related agreement takes precedence

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

Legal Rights & Agreement Rules · Restriction or exception

Small Claims Monetary Limit Precedence and Mandatory Arbitration Stay

Arbitration applies only to disputes where the monetary remedy sought (excluding fees and costs) exceeds small claims court limits. Disagreements over small claims eligibility are decided by court, and any arbitration is stayed pending resolution.

Supporting quotations

Notwithstanding anything in the Agreement to the contrary, each party retains the right to pursue in Small Claims Court any dispute in which the remedy sought is entirely within that court's jurisdiction. Further, this arbitration agreement will apply only to disputes in which either party seeks to recover an amount of money (excluding attorneys’ fees and costs) that exceeds the jurisdictional limit of the small claims court. Any disagreement over whether a dispute qualifies for small claims court will be resolved by the small claims court in the first instance and otherwise by a court of competent jurisdiction and any arbitration shall be stayed pending such resolution.

Qualifications & exceptions

• Arbitration stayed while court resolves any dispute regarding small claims qualification

Account & Service Control · Company practice

Multi-Channel Account Notices and Delivery to Recorded Contact Addresses

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

Supporting quotations

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

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

Qualifications & exceptions

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

Account & Service Control · Procedure

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

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

Supporting quotations

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

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

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

Qualifications & exceptions

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

Account & Service Control · Procedure

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

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

Supporting quotations

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

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

By posting the information to our Website; or

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

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

Qualifications & exceptions

• Governed by ESIGN consent and applicable laws

Account & Service Control · Company practice

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

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

Supporting quotations

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

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

Qualifications & exceptions

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

Account & Service Control · Company practice

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

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

Supporting quotations

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

Qualifications & exceptions

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

Account & Service Control · Procedure

Undeliverable Notices Protocol: Alternate Routing, Destruction, and Suspension

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

Supporting quotations

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

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

We may also:

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

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

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

Suspend access to your Eligible Accounts or Online Financial Services.

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

Qualifications & exceptions

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

Account & Service Control · Procedure

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

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

Supporting quotations

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

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

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

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

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

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

Qualifications & exceptions

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

Account & Service Control · Procedure

Customer Support, Complaints Escalation, and Feedback Channels

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

Supporting quotations

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

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

Visit us at

Qualifications & exceptions

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

Account & Service Control · Procedure

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

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

Supporting quotations

Write to us.

Talk with a banker at any Wells Fargo banking location

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

We accept all relay calls, including 711.

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

Qualifications & exceptions

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

Security & Safeguards · Restriction or exception

U.S. Sanctions, OFAC/BIS Denied Party Restrictions, and Anti-Bribery Compliance

Users warrant that they and their business are not located in embargoed territories (Cuba, Iran, North Korea, Crimea/Donetsk/Luhansk), are not Russian/Belarusian military end users, are not on OFAC SDN or BIS Entity lists, will not export the Service, and comply with the FCPA.

Supporting quotations

You acknowledge that your download, access, and use of this Service are subject to U.S. export control and sanctions laws (including those administered by the U.S. Department of the Treasury’s Office of Foreign Assets Control) that prohibit the export, re-export, or transfer (in-country) of certain products, software, and technology (“Controlled Items”), which may include the Service, to certain territories or persons. You agree not to violate and not to cause Wells Fargo to violate U.S. export control and sanctions laws. By using the Service, you represent that:

You and/or your business are not physically located in an embargoed region (Cuba, Iran, North Korea, and Crimea region of Ukraine, Donetsk People’s Republic, and Luhansk People’s Republic Regions of Ukraine) and are not Russian or Belarusian military end users;

You and/or your business are not included on the Specially Designated Nationals List of the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”), the Entity List of the Department of Commerce’s Bureau of Industry and Security (“BIS”), or any other similar list (collectively, “Denied Party List”) which would require Wells Fargo to obtain a license from the relevant U.S. governmental agency for exporting any Controlled Items; your business is not a target of sanctions due its ownership or control by any sanctioned target; and you and/or your business are not otherwise a target of sanctions or export controls;

You and/or your business will not export, re-export, or transfer the Service to any embargoed region, use the Service on behalf of or make the Service available to another person on a Denied Party List, or attempt to derive, gain access to, acquire, reverse engineer, or decode any source code or technology related to the Service for these and other prohibited purposes.

You and/or your business will not use the Service in violation of applicable anti-bribery and corruption laws, including but not limited to, the U.S. Foreign Corrupt Practices Act.

Qualifications & exceptions

• Subject to U.S. export controls and OFAC/BIS sanctions lists

Security & Safeguards · Company practice

Bank Right to Block Transactions and Revoke Service for Sanctions Violations

Wells Fargo reserves the right to immediately block or reject transactions and suspend, terminate, or revoke access to the Service if the user or their business appears on a Denied Party List or is suspected of violating export control or sanctions laws.

Supporting quotations

Wells Fargo reserves the right to immediately block or reject transactions, and suspend, terminate, or revoke your access to the Service if you and/or your business become listed on a Denied Party List or otherwise prohibited by sanctions or if Wells Fargo has reasons to believe that you may have violated U.S. export control or sanctions laws or the representations above.

Qualifications & exceptions

• Immediate blocking or revocation upon sanctions listing or suspected violation

Legal Rights & Agreement Rules · Company practice

Unilateral Agreement Modifications, Acceptance via Continued Use, and Prospective Scope

Wells Fargo may modify agreement terms in its sole discretion at any time, notifying users via website updates, email, or mail. Continued use after posting constitutes binding acceptance, and changes apply only prospectively to future transactions and claims.

Supporting quotations

Except as otherwise required by law, we may in our sole discretion add, delete, or change the terms of this Agreement at any time.

We'll inform you of changes to the Agreement when legally required to do so, and we'll try to notify you of material changes as soon as possible even when we are not legally required to do so. We will communicate such changes by updating this Agreement on our Website, and may also communicate such changes by email, mail, and/or providing notice of change on our Website.

You or your Authorized Representative's continued use of the Service after the effective date of any updated terms of the Agreement that are posted on our Website is an agreement by you to any such change to the Agreement. Except as otherwise required by law, any change to this Agreement applies only to transactions that occur, or claims that arise, after the change becomes effective.

Changes to fees or specific terms for Eligible Accounts are governed by the corresponding specific agreement governing that Eligible Account.

Qualifications & exceptions

• Continued use constitutes acceptance; amendments apply prospectively to post-effective transactions and claims

Legal Rights & Agreement Rules · Context

Governing Law: South Dakota for Online Agreement and Underlying Account Laws

This Agreement is governed by and interpreted under South Dakota law without regard to conflict-of-law principles, while specific Eligible Accounts and Online Financial Services remain governed by the laws specified in their underlying account agreements.

Supporting quotations

Each of your Eligible Accounts and Online Financial Services will continue to be read and interpreted according to the laws described in the agreements that you have with us regarding those Eligible Accounts or Online Financial Services (for example, your deposit account agreement or your credit card agreement with us).

This Agreement will be read and interpreted according to the laws of the State of South Dakota (unless otherwise specified in this Agreement), without regard to conflict-of-law rules.

Qualifications & exceptions

• South Dakota law governs this agreement; underlying account agreements retain their specified state laws

Legal Rights & Agreement Rules · Restriction or exception

Bank Assignment and Contractor Delegation Rights and User Non-Transferability

Wells Fargo may freely assign its interest in this agreement to its parent, successors, or subsidiaries, and may delegate duties to contractors. Users are strictly prohibited from assigning or transferring this agreement.

Supporting quotations

We may assign our interest in this Agreement to Wells Fargo & Company, its successors, or to any now-existing or future direct or indirect subsidiary of Wells Fargo & Company. However, you may not assign or transfer this Agreement.

We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

Qualifications & exceptions

• User prohibited from transferring agreement; bank may assign to affiliates or delegate to contractors

Content & IP Rights · Restriction or exception

Intellectual Property Ownership of Site Materials, Trademarks, and Commercial Use Ban

All service content, software, and compilation of Site Materials belong to Wells Fargo or third parties protected by copyright. Trademarks may not be used, copied, altered, framed, or derivative works created for commercial or public purposes without express written permission.

Supporting quotations

Other than your personal account information, all content included or available on the Service, such as advertisements, text graphics, button icons, images, audio clips, and software, including the collection, arrangement, and assembly thereof, is the property of Wells Fargo and/or third parties, and is protected by the Copyright Act and international treaties in addition to other state and federal intellectual property laws (collectively, the "Site Materials").

The trademarks, logos, and service marks displayed on the Service (collectively, the "Trademarks") are the registered and unregistered trademarks of Wells Fargo, or third parties. You may not use, copy, alter, modify, or change these Trademarks or copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of, or republish all or any portion of the Site Materials for any commercial or public purpose. The Service does not grant (by implication or otherwise) any license or right to use any Trademarks or Site Materials without the express written permission of Wells Fargo, or the third party that has rights to such Trademarks or Site Materials.

Qualifications & exceptions

• Excludes personal account information; no implied licenses granted

Legal Rights & Agreement Rules · Restriction or exception

Entire Agreement Integration, Regulatory Term Reformation, and Severability Clause

This agreement merges and supersedes prior understandings regarding online access. Provisions inconsistent with governing regulations are deemed modified to comply, and invalid terms are severed while remaining provisions stay in full force.

Supporting quotations

In combination with other applicable Wells Fargo agreements as described in Section 1(b) of this Agreement, this Agreement represents the agreement between you and Wells Fargo regarding the Service. It merges and supersedes all previous and contemporaneous written or oral agreements and understandings regarding the subject of online access.

Each of the rules, terms, and conditions set forth in this Agreement stands alone. Any term or condition contained in this Agreement that is inconsistent with the applicable laws and regulations that may govern the Service will be deemed to have been modified by us and applied in a manner consistent with such laws and regulations.

Unless stated otherwise, if any provision of this Agreement is held to be invalid or otherwise unenforceable, the remainder of the provisions will remain in full force and effect, and will in no way be invalidated or otherwise affected.

Qualifications & exceptions

• Terms inconsistent with regulations are reformed; invalid provisions are severed

Legal Rights & Agreement Rules · Company practice

Bank Right to Revoke Written Waivers and Non-Waiver by Inaction

Wells Fargo may grant written waivers of agreement terms or fees but reserves the right to revoke any waiver at any time. Failure by the bank to enforce a breach does not waive its right to act on subsequent or similar breaches.

Supporting quotations

We may agree in writing (or otherwise) to waive a provision of this Agreement, including a fee (a "Waiver"). We may revoke any Waiver.

Our failure to act with respect to a breach of the Agreement by you or others doesn't waive our right to act with respect to subsequent or similar breaches.

Qualifications & exceptions

• Bank may revoke any granted waiver at its discretion; failure to enforce is not a waiver

Legal Rights & Agreement Rules · Context

Section Headings Interpretation and Scope Construction Rule

Section headings throughout this agreement are included for convenience and reference only, and do not define, limit, construe, or affect the legal scope or extent of any provision.

Supporting quotations

Headings are for reference only and don't define, limit, construe, or describe the scope or extent of a Section.

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.