Effective July 23, 2024

Business AccountFees and Information

BUSINESS ACCOUNT FEE AND
INFORMATION SCHEDULE

Table of Contents
Introduction........................................................................................................................................................ 3
Overview & Key Terms .................................................................................................................................. 4
Initiate Business Checking® ...................................................................................................................... 6
Navigate Business Checking® .................................................................................................................. 6
Additional Navigate Business CheckingSM ........................................................................................ 6
Optimize Business Checking® ................................................................................................................. 8
Analyzed Business Checking..................................................................................................................... 8Specialized Accounts ................................................................................................................................. 10
Federal Agency Checking ............................................................................................................................... 10
State/Local Government Checking .............................................................................................................. 10
U.S. Government Checking ............................................................................................................................ 10
IOLTA, Analyzed IOLTA, and RETA ................................................................................................................ 10
Business Savings Accounts & Business Time Accounts ....................................................... 11
Business Market Rate Savings ...................................................................................................................... 11
Business Platinum Savings ............................................................................................................................ 11Time Accounts (CDs) ...................................................................................................................................... 11
Overdraft Services ....................................................................................................................................... 12
Service Fees...................................................................................................................................................... 132

Introduction
This Business Account Fees and Information document, the “Business Schedule,” together with the following
documents is your contract with Wells Fargo and constitutes the “Agreement” that governs your new and existing
business deposit accounts with Wells Fargo:• The Deposit Account Agreement,• Our interest rate sheet for interest-bearing accounts,• Our privacy notice, and• Any additional disclosures, amendments, or addenda we provide to you.
In these documents, when we say, “Wells Fargo,” “Bank,” “we,” “us,” and “our,” we are talking about Wells Fargo Bank,
N.A. “You” and “your” means the account owner and any other person authorized to operate an account.
Be sure to review the Deposit Account Agreement, including the “Glossary” section, for important defined terms
used in this Schedule. We regularly update this Business Schedule. You can get a copy of the current Business
Schedule at wellsfargo.com, by requesting it from a banker, or by phone.

3

Overview & Key Terms
This document helps you understand your account features and requirements, the fees that may apply, and how to minimize or avoid fees where
possible. If you don’t find your account type listed, check with a Wells Fargo banker for information about your account, including fees and otherimportant information.

What we mean
by fee period andwhy it matters

This section applies to the following non-analyzed checking and savings products: Initiate Business
Checking, Navigate Business Checking, Additional Navigate Business Checking, Federal Agency Checking,State/Local Government Checking, U.S. Government Checking, Interest on Lawyers Trust Account(IOLTA), Real Estate Trust Account (RETA), Business Market Rate Savings, and Business Platinum Savings.
How we track and report your account activity, including what’s provided in your account statements,
doesn’t always match a calendar month. Instead, we use a fee period to determine the monthly service fee
and other monthly fees. A fee period can have 25 to 35 days. We calculate and post your monthly service
fee, if any, on the last business day of your fee period. If your account allows you to avoid a monthly service
fee, knowing your fee period end date will help you keep track of when you need to meet one of theoptions available to avoid the fee.
You’ll find the dates of your fee period in the Monthly service fee summary on your account statement.
The fee period end date is the last day posted transactions and account changes apply to that fee period.
If your fee period ends on the last calendar day of the month, only transactions posted through the lastbusiness day of the month will count towards the fee period. Pending transactions displayed in online
banking are not posted transactions.
See “Determining the day your deposit is received by the Bank” in the “Availability of Funds Policy” sectionin the Deposit Account Agreement for more details on transaction posting. Unless otherwise specified,maintenance or service requests for your account (for instance, setting up an automatic transfer or linking
accounts) made after the cutoff time or on a non-business day will be processed and made effective on thenext business day.
Combined balances determined one day before last business day each period: Navigate Business
Checking has a combined balance option to avoid the monthly service fee. The combined balance isdetermined one business day prior to the last business day of your fee period.
Initial monthly service fee waiver: We’ll waive the monthly service fee for each fee period ending within
the first 64 days of opening.
Other fees subject to the fee period: We also use the fee period to count the number of posted
transactions we allow before charging a fee. For example, if your account allows a certain number of
no-charge ATM transactions each fee period, we’ll only charge for ATM transactions after that number
has been met within the fee period. Other fees subject to the fee period include the transactions fee,
deposited items fee, cash deposit processing fee, coin order fee, and currency order fee.
Your fee period can change: We may, at our discretion, change your fee period without prior notification.
For example, when accounts are brought together into a combined statement, we change the fee period
to match the fee period of the first account listed on the statement. When accounts are delinked from a
combined statement, we may change the fee period for the delinked accounts.

Minimum daily balance

Minimum daily balance refers to the lowest ending daily balance recorded during the fee period after alltransactions have gone through nightly processing.

Average ledger balance

The average ledger balance is the sum of each day’s ledger balance divided by the number of days in thefee period.

Ledger (posted) balance

The ledger balance is the ending daily balance, after all transactions have gone through nightly processing.

Interest-bearing
accounts

For interest-bearing accounts, you may earn interest based on the account’s daily collected balance. Theinterest rate may be as low as 0.00%, and variable interest rates may be changed by the Bank at any time.
Interest is compounded daily and paid monthly using a 365-day year. For more payment options for CDs,
see “Interest on your CD” in the “Time Accounts (CDs)” section in the Deposit Account Agreement. For
State, Local, or Indian Tribal government entity Public Funds Time Accounts (CDs) in California and Utah,interest is compounded daily from the date of deposit to the maturity date using a 360-day year.
Refer to the current business deposit interest rate sheet to find interest rates in your branch location.

4

Analyzed accounts

This section applies to the following analyzed accounts: Optimize Business Checking, Analyzed Business
Checking, and Analyzed Interest on Lawyers Trust Account (IOLTA).
Earnings allowance for Optimize Business Checking and Analyzed Business Checking: If you have
Optimize Business Checking or Analyzed Business Checking, your account is eligible for an earnings
allowance to offset eligible fees and expenses, including certain service fees. To calculate your earnings
allowance, we apply the earnings credit rate to the investable balance available for services in youraccount. The earnings credit rate is a variable rate that the Bank can change at any time. The rate appears
on your client analysis statement. If your earnings allowance is greater than the total eligible fees for agiven statement period, we won’t credit that amount to your account or carry it forward to the following
statement period. In any statement period where your fees exceed your earnings allowance, we’ll debit
your account or invoice you for the difference. Does not apply to Analyzed Interest on Lawyers Trust
Account (IOLTA).
Recoupment fee for Analyzed Business Checking only: The FDIC charges each insured bank a fee
to cover its share of the cost of providing deposit insurance to depositors. The FDIC does not charge
a bank’s depositors for deposit insurance or require banks to pass the cost of deposit insurance on totheir depositors. The FDIC does, however, permit a bank to recoup the cost of deposit insurance from its
depositors, so long as the fee the bank charges its depositors does not reveal information that could be
used to determine the bank’s confidential supervisory ratings or mislead depositors by implying the FDIC
is charging the fee. The Bank assesses this Recoupment fee to partially recover insurance premiums it pays
to the FDIC for deposit insurance. The amount of the Recoupment fee appears on your monthly accountstatement or client analysis statement and is based on the monthly average ledger balance maintained inyour account. The Recoupment fee is subject to change by the Bank at any time without notice. Does not
apply to Optimize Business Checking and Analyzed Interest on Lawyers Trust Account (IOLTA).
The following terms apply to analyzed accounts:
Analyzed Account: Analyzed accounts are designed for businesses with high transaction volumes or
those needing more complex, and flexible cash management services. Fees are billed through accountanalysis.
Billing relationship: A group of analyzed business checking accounts that can be linked together forbilling purposes upon customer request will appear together on the client analysis statement. It can
include multiple analyzed business checking account types, except Optimize Business Checking can only
be in a billing relationship with other Optimize Business Checking accounts and/or Analyzed IOLTAs. One
account in the billing relationship is identified as the billing account and will be debited or invoiced foranalysis fees.
Statements: Analyzed accounts receive two statements per month:• A statement detailing your account activity within a time period that is listed on your statement.
• A client analysis statement will provide a breakdown of services provided during a calendar month.
Statement period: The dates of your statement period are located on your account statement, which
provides you a record of all transactions posted during that period. For analyzed accounts, the statement
period from your client analysis statement is used for billing purposes and is based on the calendar month.
Only transactions that posted through the last business day of the month will count towards that statement
period. If your account allows for a certain number of no-charge transactions each statement period, we’ll
only charge for those transactions after the number has been met within the statement period.
Initial monthly maintenance fee waiver: We’ll waive the first monthly maintenance fee, for the firststatement period, following the opening of an analyzed account.

5

Initiate Business Checking & Navigate Business Checking

Monthly
service fee

How to avoid
monthly service feeeach fee period(only one option
required per account)

Minimum opening
depositTransactions fee(per fee period)

Initiate
Business Checking

Navigate
Business Checking

Additional Navigate
Business Checking

$10

$25

$25

• $500 minimum daily balance• $10,000 minimum daily balance

Linked to Navigate
Business Checking• $1,000 average ledger balance• $15,000 average combined
business deposit balances

$25

$25

$25

First 100 transactions: No fee

First 250 transactions: No fee

First 150 transactions: No fee

Over 100 transactions: $0.50 eachOver 250 transactions: $0.50 eachOver 150 transactions: $0.50 eachTransactions means all checks deposited, and all withdrawals or debits posted to your account, including paperand electronic, except debit card purchases and debit card payments
Cash deposit
processing fee(per fee period)First $5,000: No fee

First $20,000: No fee

First $5,000: No fee

Over $5,000: $0.30 per $100

Over $20,000: $0.30 per $100

Over $5,000: $0.30 per $100

Interest-bearingNo

Yes; interest rates
are variable

No

Optional
OverdraftProtection

Yes

Yes

Yes

Debit Card
Overdraft
Service

Automatically enrolled

Automatically enrolled

Automatically enrolled

6Navigate Business
Checking benefits

Navigate Business Checking offers the following services at no fee:
• Cashier’s checks• Money orders• Incoming domestic and international U.S./foreign currency wire transfers1• First two outgoing domestic wire transfers per fee period• Up to two domestic (U.S.) non-Wells Fargo ATM cash withdrawal transactions per fee period. We will
charge a cash withdrawal transaction fee for each additional non-Wells Fargo ATM cash withdrawal
transaction. Fees charged by the non-Wells Fargo ATM operator or network may apply.
1. Whether or not the wire transfer fee is waived, Wells Fargo makes money when it converts one currency
to another for you. The exchange rate used is set by Wells Fargo, includes a markup and may bedifferent than exchange rates you see elsewhere. 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. For more information, see the “Applicable exchange rate” and “Incominginternational wire transfers” sections of the Deposit Account Agreement.

Additional Navigate Business Checking accounts also receive these benefits at no charge. Additional
Navigate Business Checking is an account designed exclusively for Navigate Business Checking customers
who need an additional business checking account.
If you switch to a Navigate Business Checking or Additional Navigate Business Checking account fromanother type of business account, fee waivers for allowable wire and ATM transactions will be included
after the current fee period ends.
You can also avoid the monthly service fee on Additional Navigate Business Checking accounts or on
Business Platinum Savings accounts when linked to a Navigate Business Checking Account.

Navigate Business
Checking combined
business deposit
balances

The combined balance is determined one business day prior to the last business day of your fee period.
Combined business deposit balances include the average ledger balance in your Navigate Business
Checking account plus other qualified linked accounts:• Your business checking accounts: Initiate Business Checking and Additional Navigate Business Checking
PLUS• Your business savings accounts: Business Market Rate Savings and Business Platinum Savings PLUS
• Your business time accounts (CDs): Business Time Account (CD)Your Navigate Business Checking account cannot be linked to another Navigate Business Checking
account for combined balances. Other accounts linked to your Navigate Business Checking account for
combined balances, such as a Business Market Rate Savings account, cannot simultaneously be linked toanother Navigate Business Checking account to avoid the monthly service fee with combined balances.

7

Optimize Business Checking & Analyzed Business Checking
Optimize
Business Checking

Analyzed
Business Checking$75 for relationship, up to 5 accounts• $30 additional fee for each account inexcess of 5 (6+)
Monthly
maintenance fee

Minimum
opening deposit

Transactions fee(per statement period)

Optimize Business Checking account monthly
maintenance fee includes monthly base or per
item fees for pre-selected, optional, treasury
management products and services as arelationship benefit. See Optimize benefits
page for details.

$30

$25

$25

First 250 transactions within a billing
relationship: No fee
Over 250 transactions: $0.50 eachTransactions means all checks deposited, and all
withdrawals or debits posted to your account,
including paper and electronic, except debit card
purchases and debit card payments.

• $0.20 per check paid (paper or electronic)• $0.20 per debit posted• $0.20 per electronic credit posted• $0.20 deposited item (in addition to deposit orelectronic credit posted)• $0.20 per ACH (Automated Clearing House)received item (in addition to debit posted orelectronic credit posted)

Cash deposit
processing fee(per statement period)$0.0030 per $1 deposited$0.0030 per $1 deposited

Deposit fees
Non-electronic deposit(processed by teller or mailed
to Bank)$2.50 per deposit$2.50 per deposit

ATM Deposit

No fee$2 per deposit

Earnings allowance

Yes

Yes

Interest-bearing

No

No

Optional Overdraft
Protection

Yes

Yes

Debit Card
Overdraft Service

Automatically enrolled

Automatically enrolled

Switching accounts
during a statement period

If you switch to an Optimize Business Account from another type of business account, fee waivers
for allowable wire and ATM transactions will be included after the statement period ends.

8

Optimize Business
Checking benefits

Optimize Business Checking offers the following services at no fee (no enrollment required):• Cashier’s check• Money Orders• DDA Statements with enlarged images• Electronic credits posted• ACH received items• Incoming domestic and international U.S./foreign currency wire transfers1,2• Up to two domestic (U.S.) non-Wells Fargo ATM cash withdrawal transactions per fee period. We will
charge a cash withdrawal transaction fee for each additional non-Wells Fargo ATM cash withdrawal
transaction. Fees charged by the non-Wells Fargo ATM operator or network may apply. If your accountis converted into Optimize Business Checking from another account, this benefit will start thefollowing calendar month
Optimize Business Checking accounts also receive these Treasury Management benefits at no fee(assisted enrollment required):• Once a relationship is established, optional Treasury Management products and services are available.
After selecting and enrolling in desired options, they will be accessible through Wells Fargo VantageSM.
• Unless noted below, monthly base or per item fee(s) do not apply as the product or service is included
as an Optimize Business Checking relationship benefit. Please review the list to understand when
additional fees may apply.
Contact a banker to setup the Treasury Management products and services you need:• Statements and Notices• Administration• Alerts• Transaction Search• ACH Fraud Filter• Zero Balance Account• Online Automated Clearing• Treasury Information Reporting (Express BalanceHouse (ACH) Services
and ACH Return NOC [notifications of change]
report)• Basic Banking• Wires• Desktop Deposit® and
Desktop Deposit Adjustments
Up to five outgoing Wires per statement period
and $15 for each additional. Wires outgoingtypes included:− Wire out domestic. Outgoing U.S. dollar(USD) wire debiting a Wells Fargo account,initiated in Vantage (freeform or templated).
− Wire out cross border U.S. dollar (USD).
Outgoing cross border USD wire debitinga Wells Fargo account, initiated in Vantage(freeform or templated).
− Wire out cross border foreign exchange.
Outgoing cross border foreign currency
wire (freeform or templated) initiated via
Vantage settling to a Wells Fargo account 1,2

Additional fees may apply basedon selected Optional Treasury
Management Products orServices

Potential additional service fees
Fraud protection fees
ACH fraud filter — review item

$14 per item

ACH and wire fees2
ACH payments — same day$1.50 per item

ACH return unauthorized quality fee$5 per item

ACH special investigation$35 per occurrence

Wire book transfer Vantage/API$8 per item

Vantage wires outgoing (exceeding 5)2$15 per item

Fees for the above listed Treasury Management Products and Services are included as a relationshipbenefit of your Optimize Business Checking account, except for those fees noted under the section
heading, Potential additional service fees. If you have questions about the services included in thisdocument, please contact your banker
1. Fees may be charged by third parties or other banks, in addition to those described above.
2. Whether or not the wire transfer fee is waived, Wells Fargo makes money when it converts one currency toanother for you. The exchange rate used is set by Wells Fargo, includes a markup and may be different thanexchange rates you see elsewhere. 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 For more information, see the “Applicable exchange rate” and “Incoming international wire transfers”
sections of the Deposit Account Agreement
9Specialized Accounts
Federal Agency Checking
State/Local Government
Checking
US Government Checking

Monthly service fee

Interest on Lawyers
Trust Account (IOLTA)
Analyzed Interest on Lawyers
Trust Account (IOLTA)
Real Estate Trust Account (RETA)*

$10

NA

• $500 minimum daily balance• $1,000 average ledger balance

There is no monthly service fee for theseaccounts. All other fees are the account holder’s
responsibility.

Minimum opening deposit

$25

$25

Transactions fee(per fee period)First 200 transactions: No fee

How to avoid monthly
service fee each fee period(only one option required
per account)

Over 200 transactions: $0.50 eachNA

Transactions means all checks deposited, and all
withdrawals or debits posted to your account,
including paper and electronic, except debit card
purchases and debit card payments

First $7,500: No fee

Cash deposit processing fee(per fee period)

Over $7,500: $0.30 per $100

Interest-bearing

Yes; interest rates are variable

Yes; interest rates are variable

Optional Overdraft
Protection

NA

NA

Debit Card Overdraft Service

NA

NA

NA

* RETA product offered in Colorado, Connecticut, Iowa, Maryland, Minnesota, Nebraska, New Mexico, Utah, Washington, and Wisconsin only.

IOLTA,
Analyzed IOLTA,
and RETA

These accounts are subject to applicable state laws and rules. This includes payment of interest, reportingof information to third parties where required, including overdrafts and returned items, and the accountholder’s responsibility to pay for fees assessed in connection with the account. The Bank isn’t responsible
for overdrafts caused by fees These accounts are not eligible for ATM/Debit Card

IOLTA and RETA

Service fees are paid via deposit of non-trust funds sufficient to cover such fees, where permitted,
or via cash at the time of the transaction.

Analyzed IOLTA

Service fees are paid via a linked, eligible analyzed billing account (required). Analyzed IOLTA isn’t
eligible for earnings allowance.

IOLTA and RETA
State-specificprogram names

For IOLTA: Alabama Law Foundation (ALF) or Alabama Civil Justice Foundation (ACJF),
Colorado Lawyer Trust Account Foundation (COLTAF), Florida Interest on Trust Account (IOTA),New York Interest on Lawyer Account (IOLA)

10For RETA: Colorado Association of Realtors Housing Opportunity Foundation (CARHOF),
Maryland Affordable Housing Trust (MAHT), Wisconsin Interest Bearing Real Estate Trust Account (IBRETA)

Business Market Rate Savings & Business Platinum Savings
Business Market Rate Savings

Business Platinum Savings

Monthly service fee

$5

$15

How to avoid monthly
service fee each fee period(only one option required
per account)• $300 minimum daily balance• $10,000 minimum daily balance• A total amount of $25 or more of automatictransfers from a Wells Fargo business checking
account into this savings account• Linked to Navigate Business Checking

Minimum opening deposit

$25

$25

Deposited items fee
Paper or electronic items
deposited (per fee period)First 20 items: No fee

First 20 items: No fee

Over 20 items: $0.50 eachOver 20 items: $0.50 each

• Linked to Optimize Business Checking

Cash deposit processing fee(per fee period)First $5,000: No fee

First $5,000: No fee

Over $5,000: $0.30 per $100

Over $5,000: $0.30 per $100

Interest-bearing

Yes; interest rates are variable

Yes; interest rates are variable

Check writing

Yes

Yes

Time Accounts (CDs)Business Time Account (CD)Public Funds Time Account (CD)Minimum opening deposit

Terms$2,500• From 3 months to 144 months (12 years)• From 30-day to 365-day terms also available for balances of $100,000 or moreInterest-bearing

Yes; interest rate is fixed and based on rate available at account opening

Withdrawals during
term of accountWe’ll calculate any early withdrawal penalty using the interest rate in effect for your CD
at the time of the early withdrawal. See “Early withdrawal penalty and Regulation D penalty”
in the “Time Accounts (CDs)” section of the Deposit Account Agreement.

11

Overdraft Services
Overdraft, Returned Item /Non-sufficient funds (NSF)
Third parties or other banks may
impose charges for returned
items.

Overdraft Protection
transfer/advance

Overdraft fees

Standard overdraft fee for items paid into overdraft$35 per item

Returned item / Non-sufficient funds (NSF) fee

No feeFrom eligible business savings or credit accounts

No fee (see details below)

We may charge an overdraft fee for any item we pay into overdraft. We limit our overdraft fees to four per
business day. We won’t assess an overdraft fee on items of $5 or less. If both your ending daily accountbalance and available balance are overdrawn by $5 or less after we have processed all of your transactions,
we won’t assess an overdraft fee on the items. We won’t charge an overdraft fee on ATM and everyday(one-time) debit card transactions unless your account is enrolled in Debit Card Overdraft Service ATM
withdrawals and debit card transactions that were authorized when your account had a sufficient available
balance, but are subsequently presented to us for payment and paid into overdraft when you no longer
have a sufficient available balance, will not be assessed an overdraft fee (whether or not you are enrolled in
Debit Card Overdraft Service)
To learn more about overdrafts, see the “Available Balance, Posting Transactions, and Overdraft” section in
the Deposit Account Agreement.

Overdraft Protection
transfer/advance

Advances from eligible business credit accounts may accrue interest from the date of each advance. Referto your applicable credit agreement for details.
Transfers from linked eligible business savings account: If the available balance in your savings accountis $25 or more and can cover the overdraft, we’ll transfer the exact amount needed or a minimum of $25.
If the available balance in your savings account is less than either $25 or the amount needed, we’ll transfer
the available balance.
Advances from linked eligible business credit account: If the available credit in your credit account is$25 or more and can cover the overdraft, we’ll advance the exact amount needed or a minimum of $25.
If the available credit in your credit account is less than either $25 or the amount needed, we’ll advancethe available credit. Interest charges may apply. Refer to your applicable credit agreement for details.

12Service Fees
When using your Wells Fargo accounts, you’ll pay charges for specific transactions and services. We base your account fees on the type ofaccount you have and the services you use. Your account may provide a discount or fee waivers on certain fees listed below. Your businessaccounts base certain fees on the amount and type of activity in your account each fee period. Please review information about your accountin this Business Schedule for additional details. Some fees may be offset by your earnings allowance if you have Analyzed Business Checking or
Optimize Business Checking
Wells Fargo ATMs

No feeNon-Wells Fargo ATM fees2

ATM and debit cards1

Cash withdrawal transaction — U.S./U.S. territories3$3 eachCash withdrawal transaction — International$5 eachInternational purchase transaction fee
For each purchase in a foreign currency that a network
converts into a U.S. dollar amount

3% of transaction amount

Non-Wells Fargo bank cash disbursement fees for using a debit card to withdraw cash from a teller
U.S./U.S. territories3$3 per teller transaction

International

3% of transaction amountCashed/deposited
item unpaid
for any reason
Cashier’s checks4

Checks$8 per re-deposited item
$12 per returned item
Cashier’s checks$10 each

Stop payment for a lost, stolen, or destroyed cashier's check

No fee5

Check cashing: non-customers cashing business checks
drawn on Wells Fargo$7.50

Personalized temporary checks (counter checks)$3 per sheet of three checks

Check printing (prices vary by quantity, style, and design)

Varies

Account

Service

Image

Classic

Front of checks only

No feePremium

Front and back of checks

No feeOptimize Business
Checking*, Analyzed
IOLTA*

Check Returnwith Account
Maintenance

Enlarged front and backof checks

No feeAnalyzed Business
Checking*

Check Returnwith Account
Maintenance

Enlarged front and backof checks$60 monthly fee**

All accounts*

Check image service
Available for checking andsavings accounts.

* Paper statements required for analyzed accounts.
** Fee assessed monthly. The fee for this service is posted to the account on the last business day of thestatement period.

13Service Fees (continued)
All accounts
Coin orderFirst 15 rolls per fee or statement
period: No fee
Over 15 rolls: $0.15 per roll

Coin/currency
Currency orderFirst $1,000 per fee or statement
period: No fee
Over $1,000: $0.13 per$100

Collections (U.S.)6

Incoming and outgoing$25 per item

Deposit AccountControl Agreement

Account maintenance per month$275 per accountSetup/Amendment$965 per agreement

Delivery fee
Foreign andinternational services
In addition to any fees, theexchange rate used when
we convert one currency toanother includes a markup.6,7,8

Varies depending on service provided, order method (online,from a phone banker, or at a branch) and delivery method

Fees varyInternational item deposited
In U.S. and foreign currency$5 eachInternational item returned unpaid$15 eachInternational item collection ($250 minimum item amount)$80 each

Outgoing international U.S. currency/foreign currency(both one-time and repetitive)

Fee disclosed at the timeof transaction

Legal process fee

Includes levy, writ, garnishment, and any other legal documentsthat require funds to be attached$125 each; maximum $250 per
account, per calendar month

Money order4

up to $1,000$5 eachMoney service
business designation

Statements

Stop payments

14$75 per month per account used
to conduct money service
Special request (analyzed accounts)
Special requests include: duplicate account statement, holdstatement, special mailing instructions

No feeFiscal calendar setup/change (analyzed accounts)
This fee is charged when you request customized statement
period dates based on your business’s fiscal calendar

No feePaper or ACH item

No feeService Fees (continued)
Wire transfers checking andsavings accounts
Incoming or outgoing domestic
wires that contain incorrect
information may be subject tomultiple fees assessed by theBank.
In addition to any fees, theexchange rate used when
we convert one currency toanother includes a markup 6,7,8

Wire transfer fees charged bythird parties or other banks

Wire in via correspondent bank — U.S./foreign currency (analyzed
accounts)$7 per transfer
International

Domestic

U.S. currency

Foreign currency$15 each$15 each$15 each

Digital wire

$25 each$25 each$25 each

Branch$40 each$40 each$40 eachStanding transfer order (non-analyzed accounts)$25 each$25 each$25 eachStanding transfer order (analyzed accounts)$18 each$30 eachNA

Incoming
Outgoing

Third parties or other banks may charge fees in addition to those described above

1. You may also be charged fees for use of your debit card and ATM card by third parties such as stores and merchants, and by other banks andfinancial institutions for use of non-Wells Fargo ATMs For your debit card, you may be charged by other banks and financial institutions for cash
disbursements at their branches
2. Non-Wells Fargo ATMs are ATMs that are not owned or operated by Wells Fargo or are not prominently branded with the Wells Fargo name andlogo.
3. U.S. includes the 50 states and the District of Columbia as well as the U.S. territories of American Samoa, Guam, Northern Mariana Islands, Puerto
Rico, U.S. Minor Outlying Islands, and U S Virgin Islands
4. Outstanding Cashier’s checks and Money Orders are subject to state or territorial unclaimed property laws.
5. If the cashier’s check is lost, stolen, or destroyed, you may request a stop payment and reissuance. A stop payment and reissuance can only becompleted within a branch location. As a condition of stop payment and reissuance, Wells Fargo Bank will require an indemnity agreement. In
addition, for cashier’s checks over $1,000, the waiting period before the stop payment and reissuance of an outstanding cashier's check may beprocessed is 90 days (30 days in the state of Wisconsin and 91 days in the state of New York). The waiting period can be avoided with the purchaseof an acceptable surety bond. This can be purchased through Wells Fargo’s approved insurance carrier or through an insurance carrier of thecustomer’s choice. The cost of a surety bond varies depending on the amount of the bond and the insurer used. Surety bonds are subject to theinsurance carrier’s underwriting requirements before issuance. If the surety bond is not provided, the waiting period applies.
6. Fees may be charged by third parties or other banks, in addition to those described above.
7. In addition to any applicable fees, we make money when we convert one currency to another currency for you. The exchange rate used when
we convert 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 we provide 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 The applicable exchange rate may vary based on such factors
including, but not limited to, currency pair, transaction size, payment channel and product type, such as foreign currency cash, checks, remittances,and wire transfers Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks We're yourarms-length counterparty on foreign exchange transactions We may refuse to process any request for a foreign exchange transaction
8. Incoming wire transfers received in a foreign currency for payment into your account will be converted into U S dollars using the applicableexchange rate without prior notice to you For more information, see the “Applicable exchange rate” section of the Deposit Account Agreement
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