Selected Terms and Conditions for Wells Fargo Advisors
Debit Cards
Terms and Conditions effective 7/23/2024.
Introduction

page 1

Maintenance of a Primary Accountpage 2Using Your Card

page 2Using Your Card Through a Mobile Device

page 4

Understanding Authorization Holds for Card
Transactions

page 5

Overdrafts

page 5

Handling Preauthorized Payments

page 6

Other Considerations (Individual Brokerage
Accounts Only)

page 6

Card on File with Merchants

page 6

Helping Protect Your Card

page 6

Card and ATM Safety Tips

page 7

Contact Us

page 8

However, if this brochure differs from the documents listed
above, the information in this brochure will control, unlessotherwise stated. If you have other accounts that you wish toaccess using your Card, the agreements applicable to thoseaccounts will control when your Card is used to access thoseaccounts.
Defining words in this brochure•An “Authorized Signer” is a person who has your actual
or apparent authority to use your Brokerage Account(s),even if they have not signed the Signature Page or otherdocuments.
•“Bank” or “Wells Fargo” refers to Wells Fargo Bank, N.A.
•“Brokerage Account” means your Brokerage Accountwith Wells Fargo Advisors (“WFA”), a trade name used by
Wells Fargo Clearing Services, LLC, and Wells Fargo Advisors
Financial Network, LLC, Members SIPC, separate registeredbroker-dealers and non-bank affiliates of Wells Fargo &Company.
•“Business day” is any day except Saturday, Sunday, andfederal holidays.
•“Card” includes every type of ATM Card and debit Card that
we may issue to you (but does not include the Business
Deposit Card, unless otherwise noted) to access yourBrokerage Account.
•“Commercial Brokerage Account” is a Brokerage Accountthat is not an Individual Brokerage Account and could
include for example an individual acting as a sole proprietor,a partnership, a limited partnership, a limited liability
partnership, a limited liability company, a corporation, a joint
venture.
•“Individual Brokerage Account” is a Brokerage Accountowned by one or more individuals who intend to use
the account primarily for personal, family or household
purposes.
•“Mobile Device” means a smartphone, tablet, computeror any hand held or wearable communication device andany third-party application within a device that allows you
to electronically store or electronically present your debit
Card or debit Card number, which is replaced with a unique“Digital Card Number,” to make debit Card transactions.
•“PIN” refers to your personal identification number.
•“Primary Account” is an account that is designated as“primary checking” on a debit or ATM Card.
•“We,” “us,” and “our” refer to “Bank” and “WFA.”•“You” and “your” refer to the owner and, if applicable, eachco-owner or Authorized Signer of a Brokerage Account.

Investment and Insurance Products are:•Not Insured by the FDIC or Any Federal Government
Agency•Not a Deposit or Other Obligation of, or Guaranteed by,
the Bank or Any Bank Affiliate•Subject to Investment Risks, Including Possible Loss of the
Principal Amount Invested
INTRODUCTION
This brochure describes your rights and responsibilities foryour debit Card and adds information to our•General Account Agreement and Disclosure•Other Account Agreements, and Brokerage Cash Services
and Card Terms and Conditions•Any additional disclosures, amendments, or addenda we
provide to you, and•Any updated information we gave you since you opened
your Brokerage Account.
1

USING YOUR CARD

Unless otherwise specified, a “day” is defined as the 24-hour
period from midnight to midnight, Pacific Time. Transactions
made in other time zones will be based on when received in
Pacific Time.

Table 1 shows how you can use your Card to make purchases
and payments, make transfers, and use ATMs and otherservices. You authorize us to act on your instructions that we
receive through any ATM, merchant or network in which weparticipate. Note: Some services described below may not be
available at all ATMs or merchants.

Disclosing your information
Generally, we will not disclose information about your Brokerage
Account, but we may do so in the following situations:•To comply with a statute, regulation, or rule.
•In any legal process, including without limitation subpoena,
search warrant, or other order of a government agency or
court.
•In connection with examinations by state and federal
regulatory authorities.
•If we need to disclose information to complete a transaction.
•To verify the existence and condition of your Brokerage
Account for a third party, such as a merchant or credit bureau.
•To provide information to your legal representative or successor.
•To report the involuntary closure of your Brokerage Account.
•When disclosure is necessary to protect you, your Brokerage
Account, or our interests.
•If you give us your permission.
•To our agents, independent contractors, and otherrepresentatives who service or process your Brokerage
Account transactions, Brokerage Account analysis, or for
similar purposes.
•To our affiliated banks and companies and to unaffiliatedthird parties in accordance with our Privacy Notice.

Using your Card can include using your physical Card oraccessing your Card by using it through a Mobile Device as
noted in the following chart.
TABLE 1
Actions
To purchase or pay
At merchants who accept payments through a network inwhich we participate (e.g., Visa® and MasterCard®)
Pay bills directly to merchants or other providers with yourCard, or through a Mobile Device at merchants who accept
mobile payments
Request cash back when making a purchase with your PIN
at merchants who offer this service
Through a Mobile Device at merchants who accept mobile
payments
Choose whether and how you receive a receipt at the time
you use your Card at a merchant terminal
At all Wells Fargo ATMs

MAINTENANCE OF A PRIMARY ACCOUNT

View your Available Balances

If you designate a Brokerage Account as your Primary
Account these terms and conditions will apply. Purchases
are deducted from your Primary Account. You may link
additional deposit or credit accounts to your Card as we
permit from time to time (each, a “Designated Account”). If
the Card is used to access a Designated Account, the terms
and conditions of the Designated Account apply. You may
add, delete or change your Designated Accounts and Primary
Account by notifying us of such change in writing.
If you currently have a Wells Fargo Advisors Debit Card that
does not have a Brokerage Account as a Primary Account,and instead you have a non-Brokerage Account linked as
the Primary Account, the terms associated with the linked
account applies. The next time your Card is reissued or
replaced, you will receive a consumer or business debit Card.
Should you link a Brokerage Account as the Primary Accountto a standard consumer or business debit Card, the Card
terms and conditions noted in this document apply, and you
will receive a Wells Fargo Advisors Debit Card the next time
your debit Card is reissued or replaced.
If your Brokerage Account linked as the Primary Account isclosed (or you ask it to be de-linked) and your Card does nothave a linked account that is eligible to be a Primary Account,
your Wells Fargo Advisors Debit Card will be closed.
At certain ATMs inside Wells Fargo branches, you may be able
to access and perform transactions on accounts that are notlinked to your Card. At most ATMs, however, you only haveaccess to accounts linked to your Card.

Withdraw cash
Transfer funds between your accounts
At most Wells Fargo ATMs1
Make deposits to your accounts (up to any deposit limits
that may apply)
Transfer funds from your eligible Wells Fargo credit
accounts to your accounts2
Make payments to your eligible Wells Fargo credit accounts
Get a statement of your account balances or last 10
transactions3
Choose how you want to receive your ATM receipt: printed,
emailed to the address on file or to your Wells Fargo
Online® secure inbox, or texted to your mobile phone
number on file (availability may be affected by your mobile
carrier’s coverage area, and your mobile carrier’s message
and data rates may apply)
Use your Mobile Device to access Wells Fargo ATMs bytapping it near the Contactless Symbol (see “Using Your
Card Through a Mobile Device” for more details)
At non-Wells Fargo ATMs4
View your Available Balance
Withdraw cash (fees may apply)
Transfer funds between your Accounts (fees may apply)2

Wells Fargo ATMs in Assisted-Service mode
Some Wells Fargo ATMs in branches can operate in“Assisted-Service mode” during branch hours. When in
Assisted-Service mode, the ATM screen’s main menu will
display an “I need assistance” option. If you are an Individual
Brokerage Customer, your Card’s daily ATM withdrawal limit
may not apply, and you may be able to access and perform
transactions on some of your consumer deposit accounts
that are not linked to your Card. If you are a Commercial
Brokerage Customer, your Card’s daily ATM withdrawal limit
may not apply, and you are able to perform transactions only
on accounts that are linked to your Card.

Actions
At other locations to withdraw money using yourphysical Card
Wells Fargo bank locations (fees may apply)
Non-Wells Fargo banks that accept Visa-branded cards
when a teller helps you with your transaction (fees may
apply)
Via electronic credit transfers
Receive transfers, such as those through card networks orfunds transfer systems5

Note: If you are accessing a Wells Fargo ATM in AssistedService mode using a Mobile Device, see “Using Your Card
Through a Mobile Device” for more details.

1. While most Wells Fargo ATMs offer these additional features and services,
some Wells Fargo ATMs are limited to cash withdrawals, balance inquiries,
and fund transfers between accounts linked to your Card as primary
checking and primary savings. The features and services offered at aparticular Wells Fargo ATM will be displayed on the ATM screen.
2. Cash advance and ATM advance fees may apply. Refer to the applicablecredit card account agreement or line of credit account agreement for
more details.
3. Statements at ATMs should not be used in place of your accountstatement for balancing or verifying the actual account balance.
4. Non-Wells Fargo ATMs are ATMs that are not owned or operated by
Wells Fargo or are not prominently branded with the Wells Fargo nameand logo. You can use your Card at non-Wells Fargo ATMs that display the
Plus® logo to withdraw cash, check balances, and transfer funds between
the accounts linked to your Card as primary checking and primary savings.
Note: 1) Some non-Wells Fargo ATMs may not give you the option ofchoosing which account to access or may only let you access one of youraccounts. 2) Some transactions may not be available at all ATMs, may bedifferent from those available at Wells Fargo ATMs, or may be limited to
any withdrawal limit(s) set by the non-Wells Fargo ATM.
5. If your debit Card or debit Card number is used to receive a credit
transfer, the frequency and dollar amount of those transfers may belimited by the applicable card network.

Using a Card to access linked credit card and line of credit
accounts at ATMs
If you link your Wells Fargo credit card account or eligibleline of credit account (linked credit account) to your debit/
ATM Card, you may use the Card to access the linked credit
account at most Wells Fargo ATMs.
You can use the Card to obtain cash or transfer funds fromthe linked credit account, as long as the linked credit accountis in good standing and has available credit. Cash withdrawals
and transfers of funds from your linked credit account aretreated as cash advances. Each of these transactions issubject to the provisions of the applicable credit card accountagreement or line of credit account agreement, including
daily limits and cash advance fees.
You must notify us in case of errors or questions about yourWells Fargo credit card bill. If you think your bill is wrong or
if you need more information about a transaction on yourbill, write to us or call us at the address or telephone number
listed on your credit card account statement. However, youmust write to us to preserve your billing rights. Please consult
your applicable credit account agreement for complete
information on the terms and conditions applicable to yourlinked credit account, including the rules related to cash
advances from, and payments to, your linked credit accounts.

Fees we charge for using your Card
Wells Fargo does not charge a fee to access your Brokerage
Account at an ATM. If you use your Card to access a nonBrokerage Account at an ATM, see the applicable terms forthat account as fees may apply.
Fees non-Wells Fargo ATM operators may charge
The non-Wells Fargo ATM operator or network may charge
you a fee. Their fee is included in the total amount withdrawn
from your Brokerage Account and will apply to your Card’s
daily ATM withdrawal limit. We may reimburse that fee, inwhole or in part, if allowed by the terms of your Brokerage
Account.

Daily limits and funds available for using your Card
You may not use your Card for a transaction that would cause
the Available Balance in your Brokerage Account to be lessthan zero. Also, you may not use your Card to transfer moneythat is not yours to or from your Brokerage Account. We are
not required to complete these transactions, but if we do, youagree to pay us any excess amount or improperly accessed orwithdrawn or transferred amount immediately upon request
by us. We may stop or limit electronic transfers from yourBrokerage Account at any time if it is necessary to maintainor restore the security of the system or of your Brokerage
Account. You may use your Card subject to 1) your daily purchaselimit and daily ATM withdrawal limit, and 2) your Available
Balance in your Brokerage Account. The following rules apply:

Merchant and third party fees
Some merchants may assess a fee when you use your Cardfor a purchase or for cash back. This fee will be included in
the total purchase amount and will apply to your Card’s dailypurchase limit. You may also be charged a fee by other banks
and financial institutions for cash disbursements at theirbranches. That fee may be added to your total disbursement
and will apply to your Card’s daily ATM withdrawal limit.
ATM and merchant terminal malfunctions
We are not responsible for damages resulting from an ATM
or merchant terminal malfunction, except to the extent thatmalfunction results in an error (see page 6 for Regulation E
provisions).

• Limits on dollar amounts:• Your Card’s daily purchase limit is the maximum U.S. dollar
amount of purchases (including cash back, if any) that canbe authorized each day from your primary linked Account,less merchant fees, if any. Note: If you use your Card or3

to pay for a portion of the total purchase. The transaction
will be subject to a partial authorization daily purchase limit
set by us and your Card’s daily dollar limit. We will first try
to approve the full amount of the purchase with available
funds in your Brokerage Account. If we do not approve thefull amount of the purchase, we may approve a portion of
the purchase using the remaining available funds in yourBrokerage Account. This is called a “partial authorization.”
The remaining amount of the purchase total would need
to be covered by another form of payment, such as cash
or another card. If you are unable/unwilling to provide an
additional form of payment, the partial authorization will
be reversed by the merchant. Not all merchants are able toaccept partial authorizations or process transactions using
multiple forms of payment.

Card number to fund a digital wallet, brokerage, or othertype of account, these Account Funding Transactions(AFTs) will count against your Card’s daily purchase limit(AFTs may also be limited by the applicable card network).
- If your daily purchase limit is more than $99,999,
you may ask that the merchant process multiple
transactions to complete a purchase above this amount.
• Your Card’s daily ATM withdrawal limit is the maximum
amount of cash you can withdraw each day from any
combination of accessible Accounts using your Card, less any
fees charged by the non-Wells Fargo ATM operator or third
party, if applicable.
• When you use a Wells Fargo ATM in Assisted-Service mode,
your Card’s daily ATM withdrawal limit may not apply.

Illegal transactions and internet gambling
You must not use your Card or Account for any illegal purpose.
You must not use your Card or Account to fund any accountthat is set up to facilitate internet gambling, except certain
government (or state) owned lotteries and certain governmentlicensed online casinos and horse/dog racing. In our discretion,
we may allow or deny transactions or authorizations frommerchants who are apparently engaged in or who are identified
as engaged in the internet gambling business.

• The limits for your Card: We provide you your daily ATM
withdrawal and purchase limits when you receive your Card.
You can confirm your Card’s daily limits by signing on toWells Fargo Online or the Wells Fargo Mobile® app, or calling
us at the number listed in the “Contact Us” section. Note: For
security reasons there may be additional limits on the amount,number, or type of transactions you can make using your Card,
including the geographic location of the ATM or merchant.
• Changes to your Card limits: We may, without telling you,increase your daily purchase or ATM withdrawal limit basedon Brokerage Account history, activity, and other factors.
If we decrease the limits of your Card, we will notify you in
accordance with applicable law.

Ending your Card use
Your Card is the Bank’s property. We may cancel or suspend yourCard or Card banking access at any time without notice to you(for example, if you fail to activate your Card). We may decide
not to issue a Card to you or replace your Card (for example, if
the Card has not been used for a prolonged period of time). You
may cancel your Card at any time by calling the number on theback of your Card. If the Card is canceled, you must pay for any
Card transactions made before the Card is canceled, and you will
immediately destroy the Card after it is canceled.

• Available Balance: Your “Available Balance” is the mostcurrent record we have about funds that are available forwithdrawal from Brokerage Accounts accessible using yourCard. You may use your Card as often as you want each day
as long you stay within your daily ATM withdrawal limit anddaily purchase limit, and you have sufficient Available Balancein any of your Brokerage Accounts used for withdrawal. If
using your Card to perform an ATM transaction or purchasewould create an overdraft on the Brokerage Account, we may
take actions described in the section of this brochure titled“Overdrafts.”

You can monitor your Card transactions:• Keep track of your transactions with online or mobilebanking.
• Get card activity alerts delivered by email, push notification,or text. Sign-up may be required. Availability may be affectedby your mobile carrier’s coverage area. Your mobile carrier’s
message and data rates may apply.
• Review your account statements regularly to verify
transactions.

Note: Your current Available Balance may not yet reflect
all of the transactions you have made, including but notlimited to a Card purchase that the merchant has not yet
transmitted to us, or a check you wrote that has not been
cashed by the payee.
• Authorizations: When we approve a transaction or purchase,
we call that an “authorization.” We may limit the numberof authorizations we allow during a period of time (e.g., if
we notice out-of-pattern use of your Card, or suspectedfraudulent or unlawful activity). For security reasons, wecannot explain the details of the authorization system. If we
do not authorize the payment, we may notify the person who
attempted the payment that has been refused. We will not be
responsible for failing to give an authorization.

USING YOUR CARD THROUGH A MOBILE DEVICE
If you make debit Card transactions through a Mobile Device,these Terms and Conditions apply. When you use your debit
Card with your Mobile Device for transactions:•Availability may be affected by your mobile carrier’s
coverage area, and your mobile carrier may charge you
message and data rates, or other fees.
• Some (but not all) digital wallets require your Mobile Device
to be NFC (Near Field Communication) enabled and to havethe separate wallet app available.
• Your debit Card information is sent across wireless andcomputer networks.

• Partial authorization for Card transactions: If a Card
purchase amount exceeds the current Available Balance inthe primary linked Brokerage Account when you are making
a purchase, you may be able to use your Available Balance4may also modify or terminate a debit Card’s eligibility to be
added to a Mobile Device, as well as our participation with any
third-party digital wallet operator. If you want to remove your
Digital Card Number from your Mobile Device, please contact
us. See “Contact Us” section.

• Information about your Mobile Device may be transmitted
to us.
• You should secure the Mobile Device the same as you
would your cash, checks, credit cards, and other valuable
information. We encourage you to password protect or lockyour Mobile Device to help prevent an unauthorized personfrom using it.
• Please notify us promptly if your Mobile Device containing
your Digital Card Number is lost or stolen. See “Contact Us”
section.
• When you make a purchase or payment using your Mobile
Device, the merchant may not provide an option for
cashback.
•Some Wells Fargo ATMs within secure locations may requirea physical Card for entry.
• You can access Wells Fargo ATMs by holding your Mobile
Device close to the Contactless Symbol.
• When you access a Wells Fargo ATM with your Mobile
Device and Card PIN, you can perform only one monetarytransaction per visit, such as a cash withdrawal or funds
transfer.
• If you are accessing a Wells Fargo ATM in Assisted-Service
mode using your Mobile Device, your Card’s daily ATM
withdrawal limit will apply and you will not be able to accessaccounts that are not linked to your Card.
• We may automatically provide third-party digital wallet
operators with updated Digital Card Number information,such as when your Card is replaced or re-issued.
• In certain circumstances (such as when you set up recurring
payments to a subscription service), another unique
identifier may be generated from your Digital Card Number
to be used for Card transactions.

UNDERSTANDING AUTHORIZATION HOLDS FOR CARD
TRANSACTIONS
For all Card purchase transactions, we may place a temporary
hold on some or all of the funds in the Brokerage Accountlinked to your Card when we obtain an authorization request.
We refer to this temporary hold as an “Authorization Hold.”
The funds subject to the Authorization Hold will be subtracted
from your Available Balance.
We generally release the Authorization Hold within 3 businessdays from the time of authorization or until the transaction
is paid from your Brokerage Account. Note, however thatthe hold can be longer for certain types of transactions,
including up to 30 business days for car rental, hotel, cash
disbursements, and international Card transactions. If themerchant does not submit the transaction for payment within
the time allowed, we will release the Authorization Hold. Thismeans your Available Balance will increase until the transaction
is submitted for payment by the merchant and posted toyour Brokerage Account. If this happens, we must honor theprior authorization, and we will pay the transaction from yourBrokerage Account. In some situations, the amount of thehold may differ from the actual transaction amount since themerchant may not know the total amount you will spend.
For example, a restaurant submits the authorization request
for your meal before you add a tip. Note: You might end up
overdrawing the Account even though the Available Balance
appears to show there are sufficient funds to cover yourtransaction. For example, if a merchant does not submit a onetime debit Card transaction for payment within 3 businessdays of authorization (or for up to 30 business days at thebank’s discretion for certain types of debit Card transactions),
we will release the Authorization Hold on the transaction eventhough we will have to honor the transaction. The transaction
will be paid from the funds in the Brokerage Account when we
receive it for payment. You should record and track all of yourtransactions closely to confirm that your Available Balance
accurately reflects your use of funds from your Brokerage
Account.

When you use your debit Card with your Mobile Device
for transactions, third parties (such as merchants, card
association networks, mobile carriers, digital wallet operators,
mobile device manufacturers, and software application
providers) may 1) use and receive your Digital Card Number
and information about your Card transactions as necessary
to effect, administer, or enforce the Card transaction, and2) receive information about your Mobile Device. The thirdparty digital wallet operator may use this information todisplay it to you or for its own purposes according to theterms, conditions, and other agreements that the digitalwallet operator may require you to accept. Please refer to thethird-party digital wallet operator’s privacy policy and terms
and conditions for more detail about how the digital wallet
operator will use and retain your information, as well as toreview any fees that the third-party digital wallet operator
may charge. We are not responsible for a third party’s privacy
practices or level of security. If a third-party digital wallet
operator displays a history of Card transactions made throughyour Mobile Device, you understand that the third-party
transaction history does not reflect complete information
about your Card transactions.

OVERDRAFTS
Overdraft Protection is not available for the Brokerage
Account. It is important to keep track of the balances inyour Brokerage Account before you make purchases orwithdrawals. Transactions using your Card will only beauthorized if there are sufficient funds in your Brokerage
Account at the time of the authorization request. If yourBrokerage Account nonetheless ends up in overdraft
status (such as when a merchant submits a transaction for
payment without requesting authorization from us), you areresponsible for and must immediately repay the amount of
any overdraft and any applicable fees.

We may, at any time, partially or fully restrict your ability tomake debit Card transactions through a Mobile Device. We
5

HANDLING PREAUTHORIZED PAYMENTS

for example, if the merchant participates in the Visa AccountUpdater Service or a similar service. However, since not all
merchants receive updated Card information, we recommend
you notify each merchant of your new debit Card number
and/or expiration date to ensure your payments continue
uninterrupted. If you have a Card on file with a merchant
and want to cancel the relationship, be sure to cancel the
relationship with the merchant directly.

• Right to stop payment for Individual Brokerage Accounts:
If you have told us in advance to make regular (recurring)
payments out of your Individual Brokerage Account, you canstop any of these payments. Call or write to us in time for us
to receive your request 3 business days or more before thepayment is scheduled. Call us at 1-877-279-0310, or write
to us at Wells Fargo Advisors Client Services, ATTN: H0005087, 1 N. Jefferson Ave., St. Louis, MO 63103. If you call, we
also may require you to put your request in writing and get
it to us within 14 days after you call. There is no fee to stopa regular (recurring) payment using a debit Card. Note: We
cannot stop payment on a purchase transaction unless it isa preauthorized electronic fund transfer.

HELPING PROTECT YOUR CARD
Liability for unauthorized electronic fund transfers
according to Regulation E (Individual Brokerage
Accounts only)
Tell us AT ONCE if you believe your Card, Card number,
PIN, or other access device, has been lost or stolen, or if
you believe that an electronic fund transfer has been madewithout your permission using information from your check.
Telephoning is the best way of keeping your possible losses
down. You could lose all the money in your Account (plusfunds in any line of credit, savings account, or credit card
linked to your account or as part of an Overdraft Protectionplan). If you tell us within 2 business days after you learn of
the loss or theft of your Card, Card number, PIN, or otheraccess device, you can lose no more than $50 if someone
used your credentials without your permission (however, see“Zero Liability protection (Individual Brokerage Accounts andCommercial Brokerage Accounts)” below).
If you do NOT tell us within 2 business days after you
learn of the loss or theft of your Card, Card number, PIN,
or other access device, and we can prove we could havestopped someone from using your credentials without yourpermission if you had told us, you could lose up to $500
(however, see “Zero Liability protection (Individual Brokerage
Accounts and Commercial Brokerage Accounts)” section).
Also, if your Account statement shows transfers that you
did not make or authorize, including those made by yourCard, PIN, or other means, tell us at once. If you do notnotify us within 60 days after the statement was mailed or
was otherwise made available to you, you will be liable forany additional unauthorized electronic fund transfers that
occurred after the 60-day period and before you provided
notice to us (if we can prove we could have stopped thosetransactions had you promptly notified us). This will apply
even to unauthorized electronic fund transfers that occur
shortly before you notify us. If a good reason (such as a longtrip or hospital stay) kept you from telling us, we will extend
the time periods.

• Notice of varying amounts for Individual Brokerage
Accounts: If the amount of these regular (recurring)
payments varies, the person you are going to pay shouldtell you 10 days before each payment, when it will be madeand how much it will be. (The party you are going to pay
may allow you to choose to get this notice only when thepayment would differ by more than a certain amount fromthe previous payment, or when the amount would falloutside certain limits that you set.)• Liability for failure to stop payment from an Individual
Brokerage Account: If you order us to stop one of thesepayments 3 business days or more before the transfer isscheduled, and we do not do so, we will pay for your losses
or damages.
• Stop payment on purchases, changes to recurring
payments for Commercial Brokerage Accounts:
Stop payments cannot be requested on one time purchases
made using a Card for Commercial Brokerage Accounts. If
you have told a merchant or other billing entity in advance tomake recurring debits to your Card, you can stop any of these
debits by contacting the merchant or other billing entity
directly to cancel or discontinue any scheduled bill payment.
Some merchants require an advance notice to discontinue
recurring payments, so we recommend you allow sufficientadvance time for any changes to your payment service.
OTHER CONSIDERATIONS (INDIVIDUAL BROKERAGEACCOUNTS ONLY)• Account inquiry: You have the right to contact us to find out
whether an electronic transfer has been credited or debitedto your Individual Brokerage Account. Call or write to us
using the information listed in the “Contact Us” section.
• Receipts: You can get a receipt at the time you make anytransfer to or from your Individual Brokerage Account using
one of our ATMs or when you use your Card at a merchantterminal.

Contact in the event of an unauthorized electronic fundtransfer (Individual Brokerage Accounts Only)
If you believe your Card, Card number, or PIN, has been
lost or stolen, call us at 1-877-279-0310, or write to us at
Wells Fargo Advisor Client Services, ATTN: H0005-087, 1 N.
Jefferson Ave., St. Louis, MO 63103.

CARD ON FILE WITH MERCHANTS
If you give your debit Card number to a merchant withauthorization to bill it for recurring payments, or to keep it
on file for future purchases or payments, the merchant may
receive updated Card information to process such payments,

6

Zero Liability protection (Individual Brokerage Accounts andCommercial Brokerage Accounts)
For Individual Brokerage Accounts: Your Card comes with
Wells Fargo’s Zero Liability protection, which provides
you with more liability protection than what Regulation E
requires for consumer cards (see “Liability for unauthorized
electronic fund transfers according to Regulation E(Individual Brokerage Accounts only)” above).

If you notify us in person or by phone, we may require thatyou send your complaint or question in writing within 10
business days.
Investigations — Individual Brokerage Accounts
We will attempt to determine whether an error occurred
within 10 business days after we hear from you and willcorrect any error promptly. If we need more time, however,
we may take up to 45 days to investigate your complaintor question. If we decide to do this, we will credit yourIndividual Brokerage Account within 10 business days forthe amount you think is in error, so that you will have the useof the money during the time it takes us to complete ourinvestigation. If we ask you to put your complaint or questionin writing and we do not receive it within 10 business days,
we may not credit your Individual Brokerage Account. For
errors involving new Individual Brokerage Accounts, purchasetransactions, or foreign-initiated transactions, we may takeup to 90 days to investigate your complaint or question.
For new Individual Brokerage Accounts, we may take up
to 20 business days to credit your Brokerage Account for
the amount you think is in error. We will tell you the results
within 3 business days after completing our investigation.
If we decide that there was no error, or an error occurredthat is different from the one you described, we will send
you a written explanation. You may ask for copies of the
documents that we used in our investigation.

For Commercial Brokerage Accounts: Your Card comes with
Wells Fargo’s Zero Liability protection, but Regulation E does
not apply.
With Zero Liability protection, you’ll have no liability for Cardtransactions that you did not make or authorize, subject tocertain conditions and so long as those transactions occurred
before the end of the 60-day period described hereafter.
If your Account statement shows Card transactions thatyou did not make or authorize, tell us at once. If you do notnotify us within 60 days after the statement was mailed or
was otherwise made available to you, you will be liable forany additional unauthorized Card transactions that occurred
after the 60-day period and before you provided notice to us(if we could have stopped those Card transactions had you
promptly notified us). This will apply even to unauthorized
Card transactions that occur shortly before you notify us. If
a good reason (such as a long trip or hospital stay) kept you
from telling us, we will extend the time period.

Our liability for failure to complete an electronic fundtransfer to or from an Individual Brokerage Account

Zero Liability protection does not apply if we determine,based on substantial evidence, that you were fraudulent or
negligent in the handling of your Card or Brokerage Account,or if your Card transaction does not meet Regulation E’s
definition of an “unauthorized electronic fund transfer,”
which is 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.
Moreover, if you do not notify us about an unauthorized Cardtransaction within 60 days from the time your statement
was made available to you, Zero Liability protection does not
apply; note, however, that this does not impact your rights
under Regulation E if there is an unauthorized electronic fundtransfer from your Individual Brokerage Account.

If we do not complete a transfer to or from your Individual
Brokerage Account on time or in the correct amount,according to our agreement with you, we will be liable foryour losses or damages. However, there are some exceptions.
We will NOT be liable if:• through no fault of ours, you do not have enough money inyour Individual Brokerage Account to make the transfer; or• the funds in your Individual Brokerage Account are subject
to legal process or some other encumbrance restricting
such transfer; or• the ATM was not working properly and you knew about the
breakdown when you started the transfer; or• circumstances beyond our control (such as fire, flood, or
power failure) prevent the transfer, despite reasonableprecautions we have taken.

In case of errors or questions about your electronic fundtransfers

There may be other exceptions stated in our agreementswith you.

Telephone us or write to us (information listed in the“Contact Us” section on page 8) as soon as you can, if you
think your statement or receipt is wrong or if you needmore information about a transfer listed on your statement
or receipt. We must hear from you no later than 60 days
after we mailed or otherwise made available to you the
FIRST statement on which the problem or error appeared.
You should take the following actions: 1) Tell us your name,Brokerage Account number, and the dollar amount of thesuspected error, and 2) describe the error or transfer you
are unsure about, and explain as clearly as you can why you
believe it is an error or why you need more information.

Periodic statements
You will receive a Brokerage Account statement quarterly(or monthly for the months in which activity occurs in yourBrokerage Account).
CARD AND ATM SAFETY TIPS
Card safety•Always protect your Card and keep it in a safe place, just likeyou would cash, credit cards, or checks. If your Card is lost or
stolen, contact us immediately.

7

•Avoid using numbers for your PIN that are easily identified(such as birth date, phone number, or address). Note: Most
ATMs outside of the U.S. require a four-digit numeric PIN.
•Memorize your PIN, and do not write it down or give it toanyone.
•Change your PIN every six months. If you have forgotten
your PIN or want a new one, visit your nearest Wells Fargo
location.
•Review your account statements and report fraudulent
transactions to us immediately.
•Make sure your internet transactions are secure, and log off
from a website after you make a purchase.
•Avoid providing your Card information or PIN over thephone or internet unless to a trusted merchant in a call ortransaction that you initiated.
•Before using a merchant terminal or ATM, inspect itfor possible skimming devices or the presence of anunauthorized attachment.

CONTACT US
By phone

1-877-279-0310
Monday – Friday 8 a.m. – 10 p.m. Eastern Time
Saturday
8 a.m. – 5 p.m. Eastern Time

People withhearing
We accept all relay calls, including 711.
impairments
In writing

ATM safety•Be sure no one sees you enter your PIN•Be aware of your surroundings, especially at night, and be
cautious when withdrawing cash. Avoid showing or counting
cash at the ATM. Put it away immediately and count it when
you are in a secure location such as your car or home.
•When using an ATM with a door that requires card access,close the entry door completely and do not open the door
to anyone you don’t know.
•The activity around Wells Fargo ATM facilities may berecorded by surveillance cameras. If you notice anythingsuspicious do not use the ATM, and, if you’re in the middle ofa transaction, cancel it, leave immediately and visit anotherATM.
•If you must use the ATM at night, take someone with you.
•Keep safe or securely get rid of your ATM receipts.
•When using a drive-up ATM, keep your car running, doors
locked, and passenger windows up.
•Report all crimes immediately to the operator of the ATMor local law enforcement and call 911 if you need emergency
assistance. For complaints about security at Wells Fargo
ATMs, contact us at the phone number or address listed in
the “Contact Us” section, and:- In New York call: NY Department of Financial Services
1-877-226-5697.
- In New Jersey call: NJ Department of Banking609-292-7272.

Terms and Conditions effective 7/23/2024.
© 2024 Wells Fargo Bank, N.A. Member FDIC.
RSNIP-11152025-6628501.1.1

8Wells Fargo Advisors Client Services
ATTN: H0005-087
1 N. Jefferson Ave
St. Louis, MO 63103