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 definedas 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 Request cash back when making a 3 3 for balancing or verifying the actual Account balance. purchase with your PIN at merchants who 4 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 merchant terminal be different from those available at Wells Fargo ATMs, or may be limited to any withdrawal limit(s) set by the non-Wells Fargo ATM. At Wells Fargo ATMs 6 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: 3 3 Withdraw cash 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 Transfer funds from your eligible 3 3 $10,000 $25,000 $50,000 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 Calendar Day Calendar Week Calendar Month ATMs by tapping it near the Contactless (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. Cash withdrawals using a Card at a participating non- non-Wells Fargo bank amount Wells Fargo ATM may be deducted from the primary checking 3% of or savings account. Note: Not all ATM operators support International purchase 8 transaction display of more than one type of account. transaction fee amount If you link more than one account of a single type to the 7 U.S. fee also applies to the following U.S. territories: American Samoa, Guam, Card, you may designate a primary linked account and other Northern Mariana Islands, Puerto Rico, U.S. Minor Outlying Islands, and U.S. accounts. If you do not designate a primary linked account, the Virgin Islands. first account of that type linked to your Card is considered the 8 For each debit Card purchase in a foreign currency converted to a U.S. dollar amount by a network. primary linked account. If a primary linked account is closed or delinked for any reason, we will generally designate a linked Non-Wells Fargo ATM owner/operator fees secondary account of the same account type (if applicable) as the Fees from non-Wells Fargo ATM owner/operator may new primary account. If the only other linked account is a savings apply unless waived by the terms of your Account. The non- account and there are no other eligible checking accounts to be Wells Fargo ATM owner/operator fees are included in the total linked as primary checking, your debit Card will be closed and you amount withdrawn from your Account and will apply to your can request an ATM Card. You may link a new primary account Card’s daily ATM withdrawal limit. of a different type (consumer, business, individual brokerage, Merchant fees or commercial brokerage), than the previous primary linked Some merchants may assess a fee when you use your Card for account. Depending on the new primary linked account, you may a purchase or for cash back. This fee will be included in the total be issued a new card type. We will determine the number and purchase amount. type of accounts you can link to your Card. ATM and merchant terminal malfunctions Using a Card to access linked credit card and line of credit We are not responsible for damages resulting from an ATM accounts at ATMs or merchant terminal malfunction, except to the extent that If you link your Wells Fargo credit card account or eligible line of malfunction results in an error (see page 6 for Regulation E credit account (linked credit account) to your debit/ATM Card, provisions). you may use the Card to access the linked credit account at any Wells Fargo ATM. Wells Fargo ATMs in Assisted-Service mode Some Wells Fargo ATMs in branches can operate in “Assisted- You can use the Card to obtain cash or transfer funds from the Service mode” during branch hours. When in Assisted-Service linked credit account, as long as the linked credit account is in mode, the ATM screen’s main menu will display an “I need good standing and has available credit. Cash withdrawals and assistance” option. Note: When using a Wells Fargo ATM in transfers of funds from your linked credit account are treated Assisted-Service mode, your Card’s daily ATM withdrawal limit as cash advances. Each of these transactions is subject to the may not apply, and you may be able to access and perform provisions of the applicable credit card account agreement or transactions on some of your consumer deposit Accounts that line of credit account agreement, including daily limits and cash are not linked to your Card. advance fees. Note: If you are accessing a Wells Fargo ATM in Assisted-Service You must notify us in case of errors or questions about your mode using a Mobile Device, see “Using Your Card Through a Wells Fargo credit card bill. If you think your bill is wrong or if you Mobile Device” for more details. need more information about a transaction on your bill, write to us or call us at the address or telephone number listed on your Linking accounts for Card access and designating a primary credit card account statement. However, you must write to us to account preserve your billing rights. Please consult your applicable credit Linking lets you add accounts you own (e.g., checking or account agreement for complete information on the terms and savings accounts) to a debit or ATM Card, giving you access conditions applicable to your linked credit account, including to make transactions on multiple accounts with one Card at the rules related to cash advances from, and payments to, your Wells Fargo ATMs. At most Wells Fargo ATMs, you have access linked credit accounts.

3 Daily limits and funds available for using your Card authorizations we allow during a period of time (e.g., if we You may use your Card subject to 1) your daily purchase limit and notice out-of-pattern use of your Card, or suspected fraudulent daily ATM withdrawal limit, and 2) your Available Balance in your or unlawful activity). For security reasons, we cannot explain Account. The following rules apply: the details of the authorization system. If we do not authorize the payment, we may notify the person who attempted the • Limits on dollar amounts: payment that has been refused. We will not be responsible for • Your Card’s daily purchase limit is the maximum U.S. dollar failing to give an authorization. amount of purchases (including cash back, if any) that can be authorized each day from your primary linked Account, • Part ial authorization for Card transactions: If a Card purchase less merchant fees, if any. Note: If you use your Card or Card amount exceeds the current Available Balance in the primary number to fund a digital wallet, brokerage, or other type of linked checking or savings account when you are making a account, these Account Funding Transactions (AFTs) will purchase, you may be able to use your Available Balance to pay for a portion of the total purchase. The transaction will be count against your Card’s daily purchase limit (AFTs may also subject to a partial authorization daily purchase limit set by us be limited by the applicable card network). and your Card’s daily dollar limit. We will first try to approve the - If your daily purchase limit is more than $99,999, you may full amount of the purchase with the available funds in your ask that the merchant process multiple transactions to checking account, account(s) linked for Overdraft Protection, complete a purchase above this amount. and, if enrolled, using Debit Card Overdraft Service. If we do • Your Card’s daily ATM withdrawal limit is the maximum not approve the full amount of the purchase, we may approve amount of cash you can withdraw each day from any a portion of the purchase using the remaining available funds combination of accessible Accounts using your Card, less any in your checking account. This is called a “partial authorization.” non-Wells Fargo ATM owner/operator fees, if applicable. The remaining amount of the purchase total would need to be covered by another form of payment, such as cash or another • When you use a Wells Fargo ATM in Assisted-Service mode, card. If you are unable/unwilling to provide an additional your Card’s daily ATM withdrawal limit may not apply, and you form of payment, the partial authorization will be reversed may be able to access and perform transactions on some of by the merchant. Not all merchants are able to accept partial your deposit accounts not linked to your Card. authorizations or process transactions using multiple forms of • Th e limits for your Card: We provide you your daily ATM payment. withdrawal and purchase limits when you receive your Card. You can confirm your Card’s daily limits by signing on to Wells Fargo Illegal transactions and internet gambling You must not use your Card or Account for any illegal purpose. Online or the Wells Fargo Mobile® app, or calling us at the You must not use your Card or Account to fund any account number listed in the “Contact Us” section on page 7. that is set up to facilitate internet gambling, except certain Note: For security reasons there may be additional limits on the government (or state) owned lotteries and certain government- amount, number, or type of transactions you can make using licensed online casinos and horse/dog racing. In our discretion, your Card. we may allow or deny transactions or authorizations from • Changes to your Card limits: We may, without telling you, merchants who are apparently engaged in or who are identified increase your Card’s daily purchase or ATM withdrawal as engaged in the internet gambling business. limit based on account history, activity, and other factors. Ending your Card use If we decrease the limits of your Card, we will notify you in Your Card is our property. We may cancel your Card at any accordance with applicable law. time without notice to you. You may cancel your Card at any • Av ailable Balance: Your “Available Balance” is the most current time by writing to us at the address provided in your Account record we have about funds that are available for withdrawal statement. If the Account is closed or the Card is cancelled, from Accounts accessible using your Card. You may use your you will immediately destroy the Card and, upon request, tell Card as often as you want each day as long you stay within us in writing that the Card has been destroyed. If requested, your daily ATM withdrawal limit and daily purchase limit, and you must immediately return the Card to us. If your Card is you have sufficient Available Balance in any of your Accounts cancelled, you must pay for any Card transactions made before used for withdrawal. If using your Card to perform an ATM the Card is cancelled. transaction or purchase would create an Overdraft on the You can monitor your Card transactions: Account, we may take actions described in the section of this • Keep track of your transactions with online or mobile banking. brochure titled “Creating an Overdraft Using Your Card.” • Sign up for email or text alerts. Note: Your current Available Balance may not yet reflect all of • Review your account statements regularly to verify the transactions you have made, including but not limited to a transactions. Card purchase that the merchant has not yet transmitted to us, or a check you wrote that has not been cashed by the payee. For more information about how your Available Balance is USING YOUR CARD THROUGH A MOBILE DEVICE calculated, please refer to your Deposit Account Agreement. If you make debit Card transactions through a Mobile Device, • Auth orizations: When we approve a transaction or purchase, these Terms and Conditions apply. When you use your debit Card we call that an “authorization.” We may limit the number of with your Mobile Device for transactions:

4 • Availability may be affected by your mobile carrier’s coverage We can place an Authorization Hold on your Account for up area, and your mobile carrier may charge you message and data to 3 business days (or for up to 30 business days at the bank’s rates, or other fees. discretion for certain types of debit Card transactions, including • Your debit Card information is sent across wireless and but not limited to, international car rental and hotel), from the computer networks. time of the authorization or until the transaction is paid from your Account. However, if the merchant does not submit the • Information about your Mobile Device may be transmitted transaction for payment within the time allowed, we will release to us. the Authorization Hold. This means your Available Balance will • You should secure the Mobile Device the same as you would increase until the transaction is submitted for payment by the your cash, checks, credit cards, and other valuable information. merchant and posted to your Account. If this happens, we must We encourage you to password protect or lock your Mobile honor the prior authorization, and we will pay the transaction Device to help prevent an unauthorized person from using it. from your Account. In some situations, the amount of the • Please notify us promptly if your Mobile Device containing your hold may differ from the actual transaction amount since the Digital Card Number is lost or stolen. See “Contact Us” section merchant may not know the total amount you will spend. For on page 7. example, a restaurant submits the authorization request for your • When you make a purchase or payment using your Mobile meal before you add a tip. Device, the merchant may not provide an option for cashback. Note: You might end up overdrawing the Account even • Some Wells Fargo ATMs within secure locations may require a though the Available Balance appears to show there are physical Card for entry. sufficient funds to cover your transaction. For example, if a merchant does not submit a one-time debit Card transaction • You can access Wells Fargo ATMs by holding your Mobile for payment within 3 business days of authorization (or for Device close to the Contactless Symbol. up to 30 business days at the bank’s discretion for certain • Each time you access a Wells Fargo ATM with your Mobile types of debit Card transactions, including but not limited Device and Card PIN, you can perform one monetary to, international car rental and hotel), we must release the transaction (such as a cash withdrawal), or one non-monetary Authorization Hold on the transaction even though we will transaction (such as a balance inquiry) before your one have to honor the transaction. The transaction will be paid monetary transaction. from the funds in the Account when we receive it for payment. • If you are accessing a Wells Fargo ATM in Assisted-Service You should record and track all of your transactions closely to mode using your Mobile Device, your Card’s daily ATM confirm that your Available Balance accurately reflects your use withdrawal limit will apply and you will not be able to access of funds from your Account. accounts that are not linked to your Card. • We may automatically provide digital wallet operators with CREATING AN OVERDRAFT USING YOUR CARD updated Digital Card Number information, such as when your An Overdraft occurs when you do not have enough money in Card is replaced or re-issued. your Account to cover the amount of a transaction and we pay When you use your debit Card with your Mobile Device for the amount of the transaction instead of declining it or returning transactions, third parties (such as merchants, card association it unpaid. However, if you overdraw your Account, you must networks, mobile carriers, digital wallet operators, mobile device deposit the amount of any Overdrafts. You also may have to manufacturers, and software application providers) may 1) use pay a fee. For preauthorized recurring payments using a debit and receive your Digital Card Number, and 2) receive information Card, we have the right to 1) authorize and pay Overdrafts, or 2) about your Mobile Device. decline Overdrafts. You must repay immediately any Overdrafts. If you have enrolled in Overdraft Protection and/or Debit For additional information about Overdrafts, including how you Card Overdraft Service, those terms will apply to debit Card can prevent Overdrafts arising from ATM and everyday (one- transactions made through a Mobile Device. For additional time) debit Card transactions, please see your Deposit Account information, please see the section titled “Creating an Overdraft Agreement or other applicable account agreement. Using Your Card.” We may, at any time, partially or fully restrict your ability to make HANDLING PREAUTHORIZED PAYMENTS debit Card transactions through a Mobile Device. If you want • Right to stop payment: If you have told us in advance to to remove your Digital Card Number from your Mobile Device, make regular (recurring) payments out of your Account, you please contact us. See “Contact Us” section on page 7. can stop any of these payments. Call or write to us in time for us to receive your request 3 business days or more before UNDERSTANDING AUTHORIZATION HOLDS FOR CARD the payment is scheduled. Call us at 1-800-869-3557 (for Private Bank Debit Card call 1-877-646-8560) , or write TRANSACTIONS to us at Wells Fargo, Customer Correspondence, P.O. Box “Authorization Hold” means a temporary hold placed against 6995, Portland, OR 97228-6995. If you call, we also may some or all of your funds in your Account and occurs when we require you to put your request in writing and get it to us authorize a Card transaction from a merchant. The funds on hold within 14 days after you call. There is no fee to stop a regular will be subtracted from your Available Balance. (recurring) payment using a debit Card. 5 • No tice of varying amounts: If the amount of these regular If you do NOT tell us within 2 business days after you learn of (recurring) payments varies, the person you are going to pay the loss or theft of your Card, Card number, PIN, or code, and should tell you 10 days before each payment, when it will be we can prove we could have stopped someone from using your made and how much it will be. (The party you are going to credentials without your permission if you had told us, you could pay may allow you to choose to get this notice only when the lose up to $500 (however, see “Zero Liability protection” below). payment would differ by more than a certain amount from Also, if your Account statement shows transfers that you did the previous payment, or when the amount would fall outside not make or authorize, including those made by your Card, PIN, certain limits that you set.) or other means, tell us at once. If you do not notify us within 60 • Liability for failure to stop payment: If you order us to stop days after the statement was mailed or was otherwise made one of these payments 3 business days or more before the available to you, you will be liable for any additional unauthorized transfer is scheduled, and we do not do so, we will pay for your transactions that occurred after the 60-day period and before losses or damages. you provided notice to us (if we can prove we could have stopped those transactions had you promptly notified us). This will apply OTHER CONSIDERATIONS even to unauthorized transactions that occur shortly before you notify us. If a good reason (such as a long trip or hospital stay) • Ele ctronic check conversion: You may authorize a merchant kept you from telling us, we will extend the time periods. or other payee to make a one-time electronic payment from your account using information from your check to 1) pay for Zero Liability protection purchases, or 2) pay bills. Your Card comes with Wells Fargo’s Zero Liability protection, which provides you with more coverage than what Regulation E • Acco unt inquiry: You have the right to contact us to find out requires for consumer Cards (see “Liability for unauthorized whether an electronic transfer has been credited or debited transactions according to Regulation E” above). to your account. Call Wells Fargo Bank at 1-800-869-3557, or write to us at Wells Fargo, Customer Correspondence, P.O. Box With Zero Liability protection, you will have no liability for any 6995, Portland, OR 97228-6995. Card transactions that you did not make or authorize, so long as those transactions occurred before the end of the 60-day period • You can get a receipt at the time you make any Receipts: described below. transfer to or from your account using one of our ATMs or when you use your Card at a merchant terminal. If your Account statement shows Card transactions that you did not make or authorize, tell us at once. If you do not notify us within 60 days after the statement was mailed or was otherwise CARD ON FILE WITH MERCHANTS made available to you, you will be liable for any additional If you give your debit Card number to a merchant with unauthorized Card transactions that occurred after the 60- authorization to bill it for recurring payments, or to keep it day period and before you provided notice to us (if we can on file for future purchases or payments, the merchant may prove we could have stopped those Card transactions had you receive updated Card information to process such payments, promptly notified us). This will apply even to unauthorized Card for example, if the merchant participates in the Visa Account transactions that occur shortly before you notify us. If a good Updater Service or a similar service. However, since not all reason (such as a long trip or hospital stay) kept you from telling merchants receive updated Card information, we recommend us, we will extend the time period. you notify each merchant of your new debit Card number and/or expiration date to ensure your payments continue In case of errors or questions about your electronic fund uninterrupted. If you have a Card on file with a merchant and transfers Telephone us or write to us (information listed in the “Contact want to cancel the relationship, be sure to cancel the relationship Us” section on page 7) as soon as you can, if you think your with the merchant directly. statement or receipt is wrong or if you need more information about a transfer listed on your statement or receipt. We

HELPING PROTECT YOUR CARD must hear from you no later than 60 days after we mailed Liability for unauthorized transactions according to or otherwise made available to you the FIRST statement on Regulation E which the problem or error appeared. 1) Tell us your name, Tell us AT ONCE if you believe your Card, Card number, PIN, or Account number, and the dollar amount of the suspected error, code has been lost or stolen, or if you believe that an electronic and 2) describe the error or transfer you are unsure about, and fund transfer has been made without your permission using explain as clearly as you can why you believe it is an error or information from your check. Telephoning is the best way why you need more information. of keeping your possible losses down. You could lose all the If you notify us in person or by phone, we may require that money in your Account (plus funds in any line of credit, savings you send your complaint or question in writing within 10 account, or credit card linked to your account or as part of an business days. Overdraft Protection plan). If you tell us within 2 business days after you learn of the loss or theft of your Card, Card number, Investigations PIN, or code, you can lose no more than $50 if someone used We will determine whether an error occurred within 10 your credentials without your permission (however, see “Zero business days after we hear from you and will correct any error Liability protection” below). promptly. If we need more time, however, we may take up to

6 45 days to investigate your complaint or question. If we decide • Look at your account statements when you receive them to be to do this, we will credit your Account within 10 business days sure you made the transactions listed. Contact us immediately for the amount you think is in error, so that you will have the if you identify anything suspicious. use of the money during the time it takes us to complete our • Make sure your internet transactions are secure. Look for investigation. If we ask you to put your complaint or question secure transaction symbols. in writing and we do not receive it within 10 business days, we • Log off from any site after you make a purchase. If you cannot may not credit your Account. log off, shut down your browser to keep someone from For errors involving new Accounts, purchase transactions, or accessing your information. foreign-initiated transactions, we may take up to 90 days to • Avoid sending your Card number through email because it is investigate your complaint or question. For new Accounts, we not secure, and don’t give the number over the phone unless may take up to 20 business days to credit your Account for the you made the call. amount you think is in error. • If your Card is ever lost or stolen, immediately notify us at the We will tell you the results within 3 business days after number or P.O. Box listed in the “Contact Us” section on page 7. completing our investigation. If we decide that there was no • Destroy your old Card if you receive a replacement. error, we will send you a written explanation. You may ask for • Before using an attended or unattended merchant terminal, copies of the documents that we used in our investigation. look at it for possible tampering or for the presence of any unauthorized attachment that could capture your Card Our liability for failure to complete an electronic fund transfer information or PIN. If we do not complete a transfer to or from your Account on time or in the correct amount, according to our agreement with ATM safety you, we will be liable for your losses or damages. However, there • Be aware of your surroundings and be cautious when you are some exceptions. For instance, we will NOT be liable if: withdraw money. • Watch for suspicious persons or activity around the ATM. If • Through no fault of ours, you do not have enough money in you notice anything out of the ordinary, come back later or use your Account to make the transfer. an ATM elsewhere. If you see someone suspicious or unusual • The transfer would go over the credit limit on a credit account circumstances, do not use the ATM at that time. If you are in linked for Overdraft Protection. the middle of a transaction, cancel the transaction, take your • The ATM where you are making the transfer does not have Card and leave the area and come back at another time or use enough cash. an ATM at another location. • The terminal or system was not working properly and you knew • Before using the ATM, look at it for possible tampering or for about the breakdown when you started the transfer. presence of any unauthorized attachment that could capture • Circumstances beyond our control (such as fire, flood, or power your Card information or PIN. failure) prevent the transfer, despite reasonable precautions we • Report all crimes immediately to the operator of the ATM or have taken. local law enforcement. • There may be other exceptions stated in your Account • Consider having someone accompany you when using an ATM documents. after dark. Periodic statements • Be sure no one sees you enter your PIN. In general, you will get a monthly Account statement. If there are • Avoid showing your cash. Put it away as soon as your no electronic fund transfers or payments in a particular month, transaction is completed. Wait to count your cash until you’re in you will get the statement at least quarterly. the safety of a locked enclosure, such as a car or home. • Keep safe or securely get rid of your ATM receipts. CARD AND ATM SAFETY TIPS • Keep your engine running when you use a drive-up ATM. Keep your doors locked and your passenger window up. Card safety • Always protect your Card and keep it in a safe place, just like you would cash, credit cards, or checks. CONTACT US • Create a PIN that does not include any number or word that 1-800-TO-WELLS (1-800-869-3557) appears in your wallet (such as birth date, name, or address). By phone For Private Bank Debit Card Note: Most ATMs outside of the U.S require a four-digit 1-877-646-8560 numeric PIN. • Memorize your PIN, never tell it to anyone, and never write it Hearing down. impaired We accept all relay calls, including 711. • Change your PIN every six months. If you have forgotten your customers PIN or want a new one, visit your nearest Wells Fargo location. Wells Fargo, Customer Correspondence • Shop with merchants you know and trust. In writing P.O. Box 6995 Portland, OR 97228-6995 Terms and Conditions effective 05/28/2021. © 2021 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

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