Selected Terms & Conditions for Wells Fargo Consumer Debit and ATM Cards Terms and Conditions effective 05/28/2021. • “Business day” is any day except Saturday, Sunday, and federal Introduction page 1 holidays. • “Card” includes every type of consumer or Private Bank debit Using Your Card page 2 Card and consumer ATM Card that we may issue to you, except prepaid debit cards. Using Your Card Through a Mobile Device page 4 • “Mobile Device” means a smartphone, tablet, or any other hand Understanding Authorization Holds for Card held or wearable communication device that allows you to page 5 Transactions electronically store or electronically present your debit Card or debit Card number (“Digital Card Number”) and use that Digital Creating an Overdraft Using Your Card page 5 Card Number to make debit Card transactions. • “Overdraft” is an available balance of less than $0.00 in your Handling Preauthorized Payments page 5 Account. Other Considerations page 6 • “PIN” refers to your personal identification number. • “We,” “us,” “our,” and “Bank” refer to Wells Fargo Bank, N.A. Card on File With Merchants page 6 • “You” and “your” refer to the owner and, if applicable, each co- owner of a deposit account. Helping Protect Your Card page 6 Unless otherwise specified, a “day” is defined as the 24-hour period from midnight to midnight, Pacific Time. Transactions Card and ATM Safety Tips page 7 made in other time zones will be based on when received in Pacific Time. Contact Us page 7 Disclosing your information Generally, we will not disclose information about your Account, but we may do so in the following situations: INTRODUCTION • To comply with a statute, regulation, or rule. This brochure describes your rights and responsibilities for your • In any legal process, including subpoena, search warrant, or debit or ATM Card, and adds information to our other order of a government agency or court. • Deposit Account Agreement, • In connection with examinations by state and federal banking • Consumer Account Fee and Information Schedule, authorities. • Other Account Agreements, and • If we need to disclose information to complete a transaction. • Any updated information we gave you since you opened • To verify the existence and condition of your Account for a third your Account. party, such as a merchant or credit bureau. However, if this brochure differs from the documents listed • To provide information to the legal representative or successor above, the information in this brochure will control. If you have of a deceased co-owner for the period during which the other accounts that you wish to access using your Card, the deceased had an interest in your Account. agreements applicable to those accounts will control when your • To report the involuntary closure of your Account. Card is used to access those accounts. • When disclosure is necessary to protect you, your Account, or Para obtener una copia de estos Términos y Condiciones en our interests. español, visite www.wellsfargo.com/terminostarjetadebito. • If you give us your permission. Defining words in this brochure • To our agents, independent contractors, and other • “Account” refers to the checking and/or savings account(s) representatives who service or process your Account accessible using your Card. transactions, Account analysis, or for similar purposes. 1 • To our affiliated banks and companies and to unaffiliated third Debit ATM Actions parties in accordance with our Privacy Policy disclosure. Card Card At non-Wells Fargo ATMs5 USING YOUR CARD View your Account balance (fees may apply) 3 3 Table 1 shows how you can use your Card to make purchases and payments, make transfers, and use ATMs and other services. Withdraw cash (fees may apply) 3 3 Note: Some services described below may not be available at all Transfer funds between your Accounts 3 3 ATMs or merchants. (fees may apply) Using your Card can include using your physical Card or accessing At other locations to withdraw money your Card by using it through a Mobile Device as noted in the using your physical Card following chart. Wells Fargo bank locations (fees may apply) 3 3 TABLE 1 Non-Wells Fargo banks that accept Visa- 3 3 Debit ATM branded cards when a teller helps you with Actions Card Card your transaction (fees may apply) To purchase or pay Via electronic credit transfers At merchants who accept payments 3 31 Receive transfers, such as those through 3 through a network in which we participate card networks or funds transfer systems6 (e.g., Visa® and MasterCard®) 1 Purchases made using an ATM Card are only available at merchants who Pay bills directly to merchants or other 3 accept payment through networks in which we participate and require a PIN providers with your Card, or through a to authorize the purchase. 2 Cash advance and ATM advance fees may apply. Refer to the applicable credit Mobile Device at merchants who accept card account agreement or line of credit account agreement for more details. mobile payments 3 Statements at ATMs should not be used in place of your Account statement for balancing or verifying the actual Account balance. Request cash back when making a 3 3 4 purchase with your PIN at merchants who The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC. offer this service 5 Non-Wells Fargo ATMs are part of ATM networks owned or operated by Through a Mobile Device at merchants 3 other financial institutions. ouY can use your Card at non-Wells Fargo ATMs that display the Plus® logo to withdraw cash, check balances, and transfer who accept mobile payments funds between the Accounts linked to your Card as primary checking and Choose whether and how you receive a 3 3 primary savings. Note: 1) Some non-Wells Fargo ATMs may not give you the option of choosing which Account to access or may only let you access one of receipt at the time you use your Card at a your Accounts. 2) Some transactions may not be available at all ATMs, may be different from those available at Wells Fargo ATMs, or may be limited to merchant terminal any withdrawal limit(s) set by the non-Wells Fargo ATM. 6 At Wells Fargo ATMs The following limitations apply to Visa Original Credit Transactions (“OCT”) and MasterCard MoneySend (“MoneySend”) money transfers to your debit View your Account balances 3 3 Card: Withdraw cash 3 3 Visa - Person-to-person OCT Make deposits to your Accounts 3 3 Rolling 24 Hours Rolling 7-Day Rolling 30-Day Transfer funds between your Accounts 3 3 25 transactions or 100 transactions or 200 transactions or $10,000 $25,000 $50,000 Transfer funds from your eligible 3 3 Wells Fargo credit accounts to your Visa - Me-to-me OCT 2 Accounts Rolling 24 Hours Rolling 7-Day Rolling 30-Day Make payments to your eligible 3 3 40 transactions or 100 transactions or 200 transactions or Wells Fargo credit accounts $50,000 $125,000 $300,000 Get a statement of your account balances 3 3 Visa - Me-to-me OCT, BAI code CD (cash deposit) or last 10 transactions3 Rolling 24 Hours Rolling 7-Day Rolling 30-Day Choose how you want to receive your ATM 3 3 15 transactions or 25 transactions or 75 transactions or receipt: printed, emailed to the address $600 $1,000 $3,000 on file or to your Wells Fargo Online® Visa - Business-to-person OCT secure inbox, or texted to your mobile phone number on file (availability may be Rolling 24 Hours Rolling 7-Day Rolling 30-Day affected by your mobile carrier’s coverage 40 transactions or 100 transactions or 200 transactions or $50,000 $125,000 $300,000 area, and your mobile carrier message and data rates may apply) MasterCard - MoneySend (all types) - Times listed below are in Coordinated Universal Time (UTC) Use your Mobile Device to access Wells Fargo 3 ATMs by tapping it near the Contactless Calendar Day Calendar Week Calendar Month (12 a.m. - 12 a.m.) (starting 12 a.m. (starting 12 a.m. the 4 Symbol to perform the ATM transactions each Monday) 1st day of each month) listed above (see “Using Your Card Through 25 transactions or 100 transactions or 200 transactions or a Mobile Device” for more details) $10,000 $10,000 $10,000 2 Fees for using your Card to Accounts linked to your Card. When a Wells Fargo ATM is Table 2 shows fees we may assess. These fees may not be in Assisted-Service mode, however, you may be able to access applicable to all customers and may vary depending on the type and perform transactions on some of your consumer deposit of Account you have. For more details, refer to the applicable accounts that are not linked to your Card. Wells Fargo Fee and Information Schedule for your Account. If you link only one account of a single type (e.g., checking TABLE 2 or savings accounts) to the Card, that linked account is automatically designated as the “primary” linked account for U.S.7 International purposes of electronic fund transfer services. A debit Card Non-Wells Fargo ATM fees must have at least one checking account linked, designated Balance inquiry $2 $2 as primary checking. The money for purchases and payments Transaction fee $2.50 $5 made with your Card is deducted from the primary linked account. The money for purchases made with your ATM Card Transfer fee $2 $2 is deducted from the primary checking account; if no checking Debit Card Over-The-Counter fee 3% of account is linked, it is deducted from the primary savings for getting cash from a teller at a $3 transaction account.