Consumer Account Addenda
Consumer Account Fee and Information Schedule Addenda− Platinum Savings Team Member Benefit, Effective July 23, 2024
− ExpressSend Service Fees, Effective July 12, 2024
Deposit Account Agreement Addendum− Early Pay Day and Your Deposit Account Balances, Effective August 15, 2024
− CD (Time Account) grace period increased to 10 calendar days, Effective August 15, 2024

1 of 4

Consumer Account Fee And Information Schedule Addenda
These Addenda change the Consumer Account Fee and Information Schedule (“Consumer Schedule”). All terms defined in theConsumer Schedule will have the same meaning when used in these Addenda. If there is a conflict between these Addenda and theConsumer Schedule, these Addenda will control. Except as expressly amended by these Addenda, the Consumer Schedule remains infull force and effect.
Platinum Savings Team Member Benefit, Effective July 23, 2024
In the section of the Consumer Schedule titled “Way2Save Savings & Platinum Savings,” under account “Platinum Savings,” thefollowing is added:
We’ll waive the monthly service fee for Platinum Savings for current and retired Wells Fargo employees. If Wells Fargo Human Resources no longer
classifies you as a current or retired employee, the Platinum Savings monthly service fee will apply, unless you meet one of the options to avoid thisfee.

ExpressSend Service Fees, Effective July 12, 2024
In the section of the Consumer Schedule titled “Service Fees,” the following is added:

ExpressSend ServiceCountry
MexicoDominican Republic
El Salvador
GuatemalaHonduras
Nicaragua
Colombia
Ecuador
Peru
India
Philippines
VietnamFee
$6.00
$5.00
$11.00$5.00$9.00$11.00
$5.00
$9.00
$8.00
$3.00
$5.00
$12.00In addition to the transfer fee, Wells Fargo makes money when it converts one currency to anothercurrency for you. The exchange rate provided to you is set by Wells Fargo in its sole discretion, andit includes a markup. For additional information related to ExpressSend and foreign currency,
please refer to the ExpressSend Terms and Conditions.
ExpressSend transfer fees vary periodically and are subject to change at any time. For theExpressSend transfer fees in effect, talk to a Banker or refer to the ExpressSend Remittance CostEstimator online at wellsfargo.com/costestimator.

2 of 4

Deposit Account Agreement Addenda
These Addenda change the Deposit Account Agreement (“Agreement”). All terms defined in the Agreement will have the same
meaning when used in these Addenda. If there is a conflict between these Addenda and the Agreement, these Addenda will control.
Except as expressly amended by these Addenda, the Agreement remains in full force and effect.
Early Pay Day and Your Deposit Account Balances, Effective August 15, 2024
In the section of the Agreement titled “Depositing Funds,” subsection titled “Early Pay Day (Consumer accounts only)” is deleted andreplaced with the following:
About Early Pay Day
For certain direct deposits, we may make those funds available to you up to one to two business days before we receive the funds from the payor,
which is typically your employer or its payroll service provider. Our ability to provide early access to these funds may be limited by many factors, suchas when we receive notice of payment from your payor. Early Pay Day is not guaranteed, may vary between pay periods, and we may stop providing
it at any time without advance notice to you. Early Pay Day funds will be reflected in your account’s available balance. It is always your obligation toverify that the funds are available in your account before spending them.
Deposits Available for Early Pay Day: Not all direct deposits are eligible for Early Pay Day. Eligible direct deposits are generally limited to electronic
direct deposits such as your payroll, pension, and government benefit payments that are made through the Automated Clearing House (ACH)
network. Most other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®, Venmo,or PayPal transfers), check or mobile deposits, instant payments processed through the RTP® network or FedNowSM service, and other onlinetransfers are not eligible for Early Pay Day.
Early Pay Day and Interest on Your Account: For interest-bearing accounts, interest on your incoming direct deposit will begin accruing on thebusiness day we receive credit for the deposit from your payor’s bank. For example, if we make funds available to you through Early Pay Day twodays early on Wednesday, interest on those funds will not begin accruing until the day we receive the funds from your payor, in this example onFriday.
How Early Pay Day Impacts Overdraft and Overdraft Fees: Early Pay Day funds are reflected in your account’s available balance. We use youraccount’s available balance to determine if we will authorize and pay transactions and assess overdraft fees. Your account’s ending daily balance will
not reflect the funds made available to you through Early Pay Day until the day those funds are received from your payor. For example, Early PayDay funds are added to your available balance on Wednesday, and you spend those funds while continuing to maintain a positive available balance.
We will pay those transactions based on the positive available balance, and you will avoid any overdraft fees or returned items. In this example, theending daily balance on your account will not reflect the Early Pay Day funds until Friday, when the deposit posts to your account.
Other Terms and Conditions of Early Pay Day: If a direct deposit is not made available early, it will be made available in accordance with ourAvailability of Funds Policy described in this Agreement. Except as expressly set forth herein, funds made available early are subject to the sameterms and conditions as other deposits to your account.
If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank,
you understand and agree that we may debit your account up to the amount of the deposit that was previously made available — even if you havealready withdrawn the funds or it creates an overdraft on your account. In this instance, you are responsible for any fees assessed — including thosecharged by merchants or third parties — as a result of the overdraft.

In the section of the Agreement titled “Depositing Funds,” the following is added:Your Deposit Account Balances
Available Balance is our most current record of the amount of money in your account available for your use or withdrawal. Your available balance
reflects pending deposits that are immediately available less any pending withdrawals and any funds that have been placed on hold. Your available
balance can change throughout the day, for example as you withdraw, spend, or add funds, or we authorize your transactions.
We use available balance to authorize your transactions during the day and pay your transactions during nightly processing. These may appear as“pending” throughout the day as we receive them. Overdraft decisioning and assessment of overdraft fees is also based on available balance.
Ending daily balance/Posted balance reflects all posted deposits and withdrawals from the prior business day’s nightly processing. Your ending dailybalance is calculated once a day during nightly processing (posting) and is the starting point for your available balance the following day. We use
ending daily balance to determine Monthly Service Fee waivers and your statements, where applicable, show ending daily balance.
Your account’s available balance and your account’s ending daily balance may sometimes be different as available balance changes with transactions
presented on your account and ending daily balance updates during nightly processing.

3 of 4

CD (Time Account) grace period increased to 10 calendar days, Effective August 15, 2024
In the section of the Agreement titled “Time Accounts (CDs),” the introductory paragraph “CDs mature and are payable at the expiration of aspecified term, which will be no less than seven calendar days after the date of deposit. The CD’s maturity date is the last day of the term for theCD and is printed on your receipt.” is deleted and replaced with the following:
CDs mature and are payable at the expiration of a specified term, which will be no less than ten calendar days after the date of deposit. The CD’smaturity date is the last day of the term for the CD and is printed on your receipt.
For new Certificate of Deposit (CD) accounts that are not fully funded due to the source funds not being received or being returned unpaid, Wells
Fargo may close the account. For existing Certificate of Deposit (CD) accounts where additional funds are added to the account but thoseincremental funds are not received or are returned unpaid, Wells Fargo may adjust the account balance and interest accrued accordingly.
In the section of the Agreement titled “Time Accounts (CDs),” the second paragraph “You may withdraw funds from your CD on the maturity
date without a penalty. During the seven calendar days after the maturity date, which we refer to as the grace period, you can change the term,
generally make withdrawals and additional deposits, or close the CD. No additional deposits to the CD are allowed outside this grace period. You
may be charged a penalty if you make a withdrawal at any other time. See “Early withdrawal penalty and Regulation D penalty” in this section.” isdeleted and replaced with the following:
You may withdraw funds from your CD on the maturity date without a penalty. During the ten calendar days after the maturity date, which werefer to as the grace period, you can change the term, generally make withdrawals and additional deposits, or close the CD. No additional deposits tothe CD are allowed outside this grace period. You may be charged a penalty if you make a withdrawal at any other time. See “Early withdrawal
penalty and Regulation D penalty” in this section.

END OF ADDENDA

These addenda govern consumer deposit accounts maintained at Wells Fargo Bank, N.A. (except in Arkansas and Texas).
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
© 2024 Wells Fargo Bank, N.A.
CNS5159-A (9/1/2024)
4 of 4