What You Need to Know About Overdrafts and Overdraft Fees

Important information about overdrafts
An overdraft occurs when you do not have enough available money in your account to cover a transaction (based on your account's
available balance1) but we pay it anyway.
We can cover your overdrafts in two different ways:
1. We have standard overdraft coverage that comes with your account.2
2. We also offer overdraft protection plans, such as a link to an eligible savings account, eligible line of credit or eligible credit
card, which may be less expensive than our standard overdraft coverage. To learn more, ask us about these plans.
This notice explains our standard overdraft coverage.
What is the standard overdraft coverage that comes with my account?
We may authorize and pay overdrafts for the following types of transactions:• Checks and other transactions made using your checking account number• Automatic bill payments (such as recurring debit card and ACH payments)
We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):• ATM transactions• Everyday debit card transactions (such as one-time debit card and ATM card purchases)
We pay overdrafts at our discretion which means we do not guarantee that we will always authorize and pay any type oftransaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned unpaid.
If you'd like more information about available options related to standard overdraft coverage, please speak with aWells Fargo banker.
What fees will the bank charge if it pays my overdraft3?
Under our standard overdraft coverage:• We will charge you a fee of $35 each time we pay an overdraft item to your account.
• There is a limit of three overdraft fees per day.
What if I want Wells Fargo to authorize and pay overdrafts on my ATM and everyday debit card transactions?
You can add Debit Card Overdraft Service4 anytime by calling us at 1-800-TO-WELLS (1-800-869-3557), signing on toWells Fargo Online® Banking from a computer or tablet (search Overdraft Services), visiting a Wells Fargo ATM (selectMore Choices), or speaking to a banker at any Wells Fargo branch. You can remove the service at any time.

1. Available balance is the most current record we have about the funds that are available for your use or withdrawal. It includes all deposits andwithdrawals that have been posted to your account, then adjusts for any holds on recent deposits and any pending transactions that are known to
the Bank. 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.
2. Our standard overdraft coverage does not apply to Clear Access Banking accounts. Optional overdraft services, such as Overdraft Protection andDebit Card Overdraft Service, are not available for Clear Access Banking accounts. For more information about the overdraft features for Clear
Access Banking accounts, please refer to your Consumer Account Fee and Information Schedule and Deposit Account Agreement.
3. Overdraft fees are not applicable to Clear Access Banking accounts.
4. Not available for certain accounts, such as Clear Access Banking accounts, or savings accounts. Debit Card Overdraft Service is a discretionary
service that may be removed by the bank for a variety of reasons including excessive overdrafts or returned items, as determined by the Bank.

For Consumer Deposit Accounts Only
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CNS9795 (7/2024) Effective July 23, 2024