Selected Terms & Conditions For Wells Fargo Consumer Debit And ATM Cards

may not apply, and you may be able to access and performtransactions on some of your consumer deposit accounts thatare not linked to your Card.Visa - Cross Border OCTRolling 24 HoursRolling 7-DayRolling 30-Day1 transaction or 2,5005 transactions or 5,00010 transactions or 10,000Note: If you are accessing a Wells Fargo ATM in Assisted-Servicemode using a Mobile Device, see “Using Your Card Through aMobile Device” for more details.MasterCard - MoneySend (all types) - Times listed below are inCoordinated Universal Time (UTC), which is a standard used to set all timezones around the world and, for example, is 5 hours ahead of Eastern TimeZone (4 hours ahead during daylight savings time).Calendar Day(12 a.m. - 12 a.m.)Calendar Week(starting 12 a.m.each Monday)Calendar Month(starting 12 a.m. the1st day of each month)25 transactions or 10,000100 transactions or 10,000200 transactions or 10,000Linking accounts for Card access and designating a primaryaccountLinking lets you add accounts you own (e.g., checking orsavings accounts) to a debit or ATM Card, giving you accessto make transactions on multiple accounts with one Card atWells Fargo ATMs. At most Wells Fargo ATMs, you have accessto Accounts linked to your Card.Fees for using your CardTable 2 shows fees we may assess. Note: These fees may not beapplicable to all customers and may vary depending on the typeof Account you have. For more details, refer to the applicableWells Fargo Fee and Information Schedule for your Account.If you link only one account of a single type (e.g., checkingor savings accounts) to the Card, that linked account isautomatically designated as the “primary” linked account forpurposes of electronic fund transfer services. A debit Cardmust have at least one checking account linked, designatedas primary checking. The money for purchases and paymentsmade with your Card is deducted from the primary linkedaccount. The money for purchases made with your ATM Cardis deducted from the primary checking account; if no checkingaccount is linked, it is deducted from the primary savingsaccount. Cash withdrawals using a Card at a participating nonWells Fargo ATM may be deducted from the primary checkingor savings account. Note: Not all ATM operators supportdisplay of more than one type of account.TABLE 2U.S.7InternationalBalance inquiry fee 2.50 2.50Cash withdrawal fee 2.50 5.00Transfer fee 2.50 2.50 3.003% oftransactionamountNon-Wells Fargo ATM feesDebit Card Over-The-Counter feefor getting cash from a teller at anon-Wells Fargo bankInternational purchasetransaction fee8If you link more than one account of a single type to theCard, you may designate a primary linked account and otheraccounts. If you do not designate a primary linked account, thefirst account of that type linked to your Card is considered theprimary linked account. If a primary linked account is closedor delinked for any reason, we will generally designate a linkedsecondary account of the same account type (if applicable) as thenew primary account. If the only other linked account is a savingsaccount and there are no other eligible checking accounts to belinked as primary checking, your debit Card will be closed and youcan request an ATM Card. You may link a new primary accountof a different type (consumer, business, individual brokerage,or commercial brokerage), than the previous primary linkedaccount. Depending on the new primary linked account, you maybe issued a new card type. We will determine the number andtype of accounts you can link to your Card.3% oftransactionamount7U.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.8For each debit Card purchase in a foreign currency that a network converts intoa U.S. dollar amount.Non-Wells Fargo ATM owner/operator feesFees from non-Wells Fargo ATM owner/operator may applyunless reimbursed by the terms of your Account. Even ifreimbursed, the non-Wells Fargo ATM owner/operator fees areincluded in the total amount withdrawn from your Account andwill apply to your Card’s daily ATM withdrawal limit.Using a Card to access linked credit card and line of creditaccounts at ATMsIf you link your Wells Fargo credit card account or eligible line ofcredit account (linked credit account) to your debit/ATM Card,you may use the Card to access the linked credit account at anyWells Fargo ATM.Merchant feesSome merchants may assess a fee when you use your Card fora purchase or for cash back. This fee will be included in the totalpurchase amount.ATM and merchant terminal malfunctionsWe are not responsible for damages resulting from an ATMor merchant terminal malfunction, except to the extent thatmalfunction results in an error (see page 6 for Regulation Eprovisions).You can use the Card to obtain cash or transfer funds from thelinked credit account, as long as the linked credit account is ingood standing and has available credit. Cash withdrawals andtransfers of funds from your linked credit account are treatedas cash advances. Each of these transactions is subject to theprovisions of the applicable credit card account agreement orline of credit account agreement, including daily limits and cashadvance fees.Wells Fargo ATMs in Assisted-Service modeSome Wells Fargo ATMs in branches can operate in “AssistedService mode” during branch hours. When in Assisted-Servicemode, the ATM screen’s main menu will display an “I needassistance” option. Note: When using a Wells Fargo ATM inAssisted-Service mode, your Card’s daily ATM withdrawal limit3You 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

Authorizations: When we approve a transaction or purchase,we call that an “authorization.” We may limit the number ofauthorizations we allow during a period of time (e.g., if wenotice out-of-pattern use of your Card, or suspected fraudulentor unlawful activity). For security reasons, we cannot explainthe details of the authorization system. If we do not authorizethe payment, we may notify the person who attempted thepayment that has been refused. We will not be responsible forfailing to give an authorization.need more information about a transaction on your bill, write tous or call us at the address or telephone number listed on yourcredit card account statement. However, you must write to us topreserve your billing rights. Please consult your applicable creditaccount agreement for complete information on the terms andconditions applicable to your linked credit account, includingthe rules related to cash advances from, and payments to, yourlinked credit accounts.Daily limits and funds available for using your CardYou may use your Card subject to 1) your daily purchase limit anddaily ATM withdrawal limit, and 2) your Available Balance in yourAccount. The following rules apply: Partial authorization for Card transactions: If a Card purchaseamount exceeds the current Available Balance in the primarylinked checking or savings Account when you are making apurchase, you may be able to use your Available Balance topay for a portion of the total purchase. The transaction will besubject to a partial authorization daily purchase limit set by usand your Card’s daily dollar limit. We will first try to approve thefull amount of the purchase with the available funds in yourchecking account, account(s) linked for Overdraft Protection,and, if enrolled, using Debit Card Overdraft Service. If we donot approve the full amount of the purchase, we may approvea portion of the purchase using the remaining available fundsin your checking account. This is called a “partial authorization.”The remaining amount of the purchase total would need to becovered by another form of payment, such as cash or anothercard. If you are unable/unwilling to provide an additionalform of payment, the partial authorization will be reversedby the merchant. Not all merchants are able to accept partialauthorizations or process transactions using multiple forms ofpayment. Limits on dollar amounts: Your Card’s daily purchase limit is the maximum U.S. dollaramount 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 or Cardnumber to fund a digital wallet, brokerage, or other type ofaccount, these Account Funding Transactions (AFTs) willcount against your Card’s daily purchase limit (AFTs may alsobe limited by the applicable card network).- If your daily purchase limit is more than 99,999, you mayask that the merchant process multiple transactions tocomplete a purchase above this amount. Your Card’s daily ATM withdrawal limit is the maximumamount of cash you can withdraw each day from anycombination of accessible Accounts using your Card, less anynon-Wells Fargo ATM owner/operator fees, if applicable.Illegal transactions and internet gamblingYou 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 certaingovernment (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 identifiedas engaged in the internet gambling business. When you use a Wells Fargo ATM in Assisted-Service mode,your Card’s daily ATM withdrawal limit may not apply. The limits for your Card: We provide you your daily ATMwithdrawal and purchase limits when you receive your Card. Youcan confirm your Card’s daily limits by signing on to Wells FargoOnline or the Wells Fargo Mobile app, or calling us at thenumber listed in the “Contact Us” section on page 7.Note: For security reasons there may be additional limits on theamount, number, or type of transactions you can make usingyour Card.Ending your Card useYour Card is our property. We may cancel or suspend your Cardat any time without notice to you, and we may decide not toissue a card to you or replace your card. You may cancel yourCard at any time by calling the number on the back of your card.If the Card is canceled, you must pay for any Card transactionsmade before the Card is canceled, and you will immediatelydestroy the Card after it is canceled. Changes to your Card limits: We may, without telling you,increase your Card’s daily purchase or ATM withdrawallimit based on Account history, activity, and other factors.If we decrease the limits of your Card, we will notify you inaccordance with applicable law. Available Balance: Your “Available Balance” is the most currentrecord we have about funds that are available for withdrawalfrom Accounts accessible using your Card. You may use yourCard as often as you want each day as long you stay withinyour daily ATM withdrawal limit and daily purchase limit, andyou have sufficient Available Balance in any of your Accountsused for withdrawal. If using your Card to perform an ATMtransaction or purchase would create an Overdraft on theAccount, we may take actions described in the section of thisbrochure titled “Creating an Overdraft Using Your Card.”You can monitor your Card transactions: Keep track of your transactions with online or mobile banking. 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’smessage and data rates may apply. Review your account statements regularly to verifytransactions.USING YOUR CARD THROUGH A MOBILE DEVICENote: Your current Available Balance may not yet reflect all ofthe transactions you have made, including but not limited to aCard purchase that the merchant has not yet transmitted tous, or a check you wrote that has not been cashed by the payee.For more information about how your Available Balance iscalculated, please refer to your Deposit Account Agreement.If you make debit Card transactions through a Mobile Device,these Terms and Conditions apply. When you use your debit Cardwith your Mobile Device for transactions: Availability may be affected by your mobile carrier’s coverage4

UNDERSTANDING AUTHORIZATION HOLDS FOR CARDTRANSACTIONSarea, and your mobile carrier may charge you message and datarates, or other fees. Your debit Card information is sent across wireless andcomputer networks. Information about your Mobile Device may be transmittedto us. You should secure the Mobile Device the same as you wouldyour cash, checks, credit cards, and other valuable information.We encourage you to password protect or lock your MobileDevice to help prevent an unauthorized person from using it. Please notify us promptly if your Mobile Device containing yourDigital Card Number is lost or stolen. See “Contact Us” sectionon page 7. When you make a purchase or payment using your MobileDevice, the merchant may not provide an option for cashback. Some Wells Fargo ATMs within secure locations may require aphysical Card for entry. You can access Wells Fargo ATMs by holding your MobileDevice close to the Contactless Symbol. Each time you access a Wells Fargo ATM with your MobileDevice and Card PIN, you can perform one monetarytransaction (such as a cash withdrawal), or one non-monetarytransaction (such as a balance inquiry) before your onemonetary transaction. If you are accessing a Wells Fargo ATM in Assisted-Servicemode using your Mobile Device, your Card’s daily ATMwithdrawal 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 walletoperators with updated Digital Card Number information, suchas when your Card is replaced or re-issued. In certain circumstances (such as when you set up recurringpayments to a subscription service), another unique identifiermay be generated from your Digital Card Number to be usedfor Card transactions.When you use your debit Card with your Mobile Device fortransactions, third parties (such as merchants, card associationnetworks, mobile carriers, digital wallet operators, mobile devicemanufacturers, and software application providers) may 1) useand receive your Digital Card Number and information aboutyour Card transactions as necessary to effect, administer, orenforce the Card transaction, and 2) receive information aboutyour Mobile Device. The third-party digital wallet operator mayuse this information to display it to you or for its own purposesaccording to the terms, conditions, and other agreements thatthe digital wallet operator may require you to accept. Pleaserefer to the third-party digital wallet operator’s privacy policyand terms and conditions for more detail about how the digitalwallet operator will use and retain your information. We arenot responsible for a third party’s privacy practices or level ofsecurity.“Authorization Hold” means a temporary hold placed againstsome or all of your funds in your Account and occurs when weauthorize a Card transaction from a merchant. The funds on holdwill be subtracted from your Available Balance.We can place an Authorization Hold on your Account for upto 3 business days (or for up to 30 business days at the bank’sdiscretion for certain types of debit Card transactions, includingbut not limited to, international car rental and hotel), from thetime of the authorization or until the transaction is paid fromyour Account. However, if the merchant does not submit thetransaction for payment within the time allowed, we will releasethe Authorization Hold. This means your Available Balance willincrease until the transaction is submitted for payment by themerchant and posted to your Account. If this happens, we musthonor the prior authorization, and we will pay the transactionfrom your 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. Forexample, a restaurant submits the authorization request for yourmeal before you add a tip.Note: You might end up overdrawing the Account eventhough the Available Balance appears to show there aresufficient funds to cover your transaction. For example, if amerchant does not submit a one-time debit Card transactionfor payment within 3 business days of authorization (or forup to 30 business days at the bank’s discretion for certaintypes of debit Card transactions, including but not limitedto, international car rental and hotel), we must release theAuthorization Hold on the transaction even though we willhave to honor the transaction. The transaction will be paidfrom the funds in the Account when we receive it for payment.You should record and track all of your transactions closely toconfirm that your Available Balance accurately reflects your useof funds from your Account.CREATING AN OVERDRAFT USING YOUR CARDAn Overdraft occurs when you do not have enough money inyour Account to cover the amount of a transaction and we paythe amount of the transaction instead of declining it or returningit unpaid. However, if you overdraw your Account, you mustdeposit the amount of any Overdrafts. You also may have topay a fee. For preauthorized recurring payments using a debitCard, we have the right to 1) authorize and pay Overdrafts, or 2)decline Overdrafts. You must repay immediately any Overdrafts.For additional information about Overdrafts, including how youcan prevent Overdrafts arising from ATM and everyday (onetime) debit Card transactions, please see your Deposit AccountAgreement or other applicable account agreement.If you are enrolled in Overdraft Protection and/or DebitCard Overdraft Service, those terms will apply to debit Cardtransactions made through a Mobile Device. For additionalinformation, please see the section titled “Creating an OverdraftUsing Your Card.”HANDLING PREAUTHORIZED PAYMENTS Right to stop payment: If you have told us in advance tomake regular (recurring) payments out of your Account, youcan stop any of these payments. Call or write to us in timefor us to receive your request 3 business days or more beforethe payment is scheduled. Call us at 1-800-869-3557 (forPrivate Bank Debit Card call 1-877-646-8560) , or writeto us at Wells Fargo, Customer Correspondence, P.O. Box6995, Portland, OR 97228-6995. If you call, we also mayWe may, at any time, partially or fully restrict your ability to makedebit Card transactions through a Mobile Device. If you wantto remove your Digital Card Number from your Mobile Device,please contact us. See “Contact Us” section on page 7.5

If you do NOT tell us within 2 business days after you learn ofthe loss or theft of your Card, Card number, PIN, or code, andwe can prove we could have stopped someone from using yourcredentials without your permission if you had told us, you couldlose up to 500 (however, see “Zero Liability protection” below).require you to put your request in writing and get it to uswithin 14 days after you call. There is no fee to stop a regular(recurring) payment using a debit Card. Notice of varying amounts: If the amount of these regular(recurring) payments varies, the person you are going to payshould tell you 10 days before each payment, when it will bemade and how much it will be. (The party you are going topay 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 fall outsidecertain limits that you set.)Also, if your Account statement shows transfers that you didnot make or authorize, including those made by your Card, PIN,or other means, tell us at once. If you do not notify us within 60days after the statement was mailed or was otherwise madeavailable to you, you will be liable for any additional unauthorizedtransactions that occurred after the 60-day period and beforeyou provided notice to us (if we can prove we could have stoppedthose transactions had you promptly notified us). This will applyeven to unauthorized transactions that occur shortly before younotify us. If a good reason (such as a long trip or hospital stay)kept you from telling us, we will extend the time periods. Liability for failure to stop payment: If you order us to stopone of these payments 3 business days or more before thetransfer is scheduled, and we do not do so, we will pay for yourlosses or damages.Contact in the event of an unauthorized transferIf you believe your Card, Card number, or PIN, has been lost orstolen, call us at 1-800-869-3557 (for Private Bank Debit Cardcall 1-877-646-8560), or write to us at Wells Fargo, CustomerCorrespondence, P.O. Box 6995, Portland, OR 97228-6995.OTHER CONSIDERATIONS Electronic check conversion: You may authorize a merchantor other payee to make a one-time electronic payment fromyour Account using information from your check to 1) pay forpurchases, or 2) pay bills.Zero Liability protectionYour Card comes with Wells Fargo’s Zero Liability protection,which provides you with more coverage than what Regulation Erequires for consumer Cards (see “Liability for unauthorizedtransactions according to Regulation E” above). Account inquiry: You have the right to contact us to find outwhether an electronic transfer has been credited or debitedto your Account. Call Wells Fargo Bank at 1-800-869-3557, orwrite to us at Wells Fargo, Customer Correspondence, P.O. Box6995, Portland, OR 97228-6995.With Zero Liability protection, you’ll have no liability for anycard transactions that you did not make or authorize, subject tocertain conditions and so long as those transactions occurredbefore the end of the 60-day period described hereafter. Receipts: You can get a receipt at the time you make anytransfer to or from your Account using one of our ATMs orwhen you use your Card at a merchant terminal.If your Account statement shows Card transactions that youdid not make or authorize, tell us at once. If you do not notify uswithin 60 days after the statement was mailed or was otherwisemade available to you, you will be liable for any additionalunauthorized Card transactions that occurred after the 60day period and before you provided notice to us (if we canprove we could have stopped those Card transactions had youpromptly

At Wells Fargo ATMs View your Account balances: 3 3: Withdraw cash 3: 3 Make deposits to your Accounts: 3 3: Transfer funds between your Accounts 3: 3 Transfer funds from your eligible Wells Fargo credit accounts to your Accounts: 2. 3 3. Make payments to your eligible Wells Fargo credit accounts. 3: 3 Get a statement of your account balances