Online Access Agreement (Version Effective August 30, 2021)

This Online Access Agreement (“Agreement”) governs your use of:

• Wells Fargo Online®

• Wells Fargo Business Online®

• Wells Fargo Mobile®

• Wells Fargo Advisors® online services

In this Agreement, “Service” refers to all Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells ­Fargo­Advisors online and mobile services, plus all the Eligible Accounts and Online Financial Services you can ­access via­the­Website­after­entering­into­this­Agreement,­as­described­further­below.

Please read this Agreement carefully. By selecting “I Agree” below, or by using the Service or authorizing a person to use the Service on your behalf, you agree to the terms and conditions of this entire Agreement.

This Agreement covers, among other things:

• Our obligations to you.

• Your obligations as a user of the Service.

• Waiver of “two or more signature” requirements on accounts.

• How we send you notices and disclosures.

• Your agreement with us to use binding arbitration for most disputes arising under this Agreement or about the Service and to waive the right to a trial by jury.

• Your waiver of class-action rights.

• Limitations on our liability to you.

• Your mutual agreement with us that South Dakota law will control this Agreement, without regard to conflict-of-law rules.

If you have any questions regarding this Agreement, please call 1-800-956-4442.

Investment­products­and­services­are­offered­through­Wells­Fargo­Advisors.­Wells­Fargo­Advisors­is­a­trade­name­used­by­Wells­Fargo­Clearing­Services,­LLC­(WFCS)­and­Wells­Fargo­Advisors­Financial­Network,­LLC,­Members­SIPC¹,­separate­registered­broker-dealers­and­nonbank­affiliates­of­Wells­Fargo­&­Company.

1.­­We­do­not­control­the­website.­Wells­Fargo­has­provided­this­link­for­your­convenience,­but­is­not­responsible­for­the­content,­links,­privacy­policy,­or­security­policy­of­this­website.

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

Table of ContentsDefinitions

1. About this Agreementa.­Description­b.­Other­Agreements­with­Usc.­Conflicts­between­Agreements

2. The Servicea.­Descriptionb.­Owners,­Joint­Account­Owners,­Authorized­Representatives,­and­Delegatesc.­Signature­Requirement­Waiver­d.­Summary­of­Acknowledgements

3. Accessa.­Accessing­Eligible­Accounts­and­Online­Financial­Servicesb.­Account­Linking­and­Displayc.­Availability­and­Unavailability­of­Serviced.­Terminating­Online­Accesse.­Business­Eligible­Accounts:­Additional­Provision­

4. Electronic Fund Transfers Timing (General)

5. Electronic Fund Transfers Provisions (Consumer Accounts Only) a.­Applicabilityb.­Your­Liability­c.­Errors/Unauthorized­EFTs/Questions­d.­Documentatione.­Handling­Preauthorized­Payments­(Recurring)­f.­Our­liability­for­failure­to­make­transfers

6. Digital Bill Pay (Wells Fargo Bill Pay and Wells Fargo eBills)a.­Descriptionb.­Wells­Fargo­Same­Day­Payments­ServiceSM c.­Feesd.­Stop/Change­Paymente.­Scheduling­Paymentsf.­Errors­and­Liability­g.­Terminationh.­Conflicts­between­Sections­i.­Additional­Provisions­(Business­Accounts­Only)­j.­Wells­Fargo­eBillsk.­Third-Party­eBills

7. Bank-to-Bank Transfers and Transfers Between Your Wells Fargo Accountsa.­Descriptionb.­Information­Authorization­for­non-Wells­Fargo­Accountsc.­Accountsd.­Transfer­Types­and­Limitationse.­Authorizationf.­Transfer­Service­Charges­g.­Suspension,­Reinstatement,­and­Terminationh.­Account­Number­Policyi.­Your­Responsibility­for­Errorsj.­Our­Liabilityk.­Security

8. Wells Fargo Mobile® Deposit Servicea.­Descriptionb.­Feesc.­Types­of­Checks­Eligible­for­the­Mobile­Deposit­Service,­and­Other­Requirementsd.­Mobile­Deposit­Funds­Availability­e.­Terminationf.­Right­to­Audit

9. Alertsa.­Descriptionb.­Alert­Delivery­Timingc.­Terminating­Alertsd.­Acknowledgements­

10. Account Activity Insightsa.­Descriptionb.­Use­and­Termination­of­Account­Activity­Insightsc.­Account­Activity­Insights­Delivery­Timing

11. Online Statements and Documentsa.­Descriptionb.­Eligible­Accountsc.­Enrollmentd.­Check­Imagese.­Accessf.­Portfolio­by­Wells­Fargo®g.­Year-end­Tax­Reporting­Documentsh.­Terminating­Online­Statements­and­Documents

12. Using Financial Management Softwarea.­Descriptionb.­Online­Banking­and­Bill­Pay­Accessc.­Fees­for­Online­Banking­Access­and­Bill­Pay­with­Financial­Management­Softwared.­Bill­Pay­with­Financial­Management­Softwaree.­Disclaimers­and­Acknowledgements

13. Third-Party Software and Contenta.­Descriptionb.­Disclaimers­and­Acknowledgements­

14. Feesa.­Fees­for­Eligible­Accounts­and­Online­Financial­Servicesb.­Payment

15. Securitya.­Descriptionb.­Usernames­and­Passwordsc.­Protecting­Your­Security

16. Privacy and Use of Informationa.­Descriptionb.­Acknowledgements­and­Agreements

17. Additional Responsibilities

18. Disclaimersa.­Disclaimer­of­Warrantiesb.­Limits­on­Liability­and­Obligationc.­Indemnification

19. Dispute Resolution Program: Waiver of Class Action Rights and Arbitration Provisionsa.­Descriptionb.­Non-judicial­Dispute­Resolutionc.­Definition­of­Disputesd.­Binding­Arbitration­and­Waiver­of­Class­Action­Rightse.­Rights­Preservedf.­Miscellaneousg.­Fees­and­Expensesh.­Small­Claims­Court

20. Notices and Communications With Usa.­Descriptionb.­Electronic­Deliveryc.­Phone­Calls­and­Text­Messagesd.­Communications­Sent­At­Your­Request/On­Your­Behalfe.­Returned­and­Unclaimed­Notices­to­Youf.­Contact­Information­Changesg.­Complaints,­Feedback,­and­Questions

21. Export Control and International Use

22. General Provisionsa.­Changes­to­Agreementb.­Governing­Lawc.­Assignmentd.­Intellectual­Property­and­Other­Proprietary­Rightse.­Entire­Agreementf.­Waiverg.­Failure­to­Acth.­Headings

23. Additional Services and Addenda Agreements

Wells Fargo Online Access Agreement | 6

DefinitionsWe, Us, Our, and Wells FargoWells­Fargo­Bank,­N.A.,­and­any­of­its­affiliates­or­direct­or­indirect­subsidiaries,­when­any­of­them­have­established­an­ Eligible­Account­or­provided­an­Online­Financial­Service.

It­also­includes­“Wells­Fargo­Advisors,”­which­refers­to­Wells­Fargo­Clearing­Services,­LLC,­and­Wells­Fargo­Advisors­ Financial­Network,­LLC.

You or YourEach­owner­of­an­Eligible­Account,­a­person­applying­for­an­Eligible­Account,­or­Eligible­Beneficiary­entitled­to­online­access­of­a­Trust­and­Investment­Management­Account,­or­a­Delegate­or­Authorized­Representative.

Access DeviceMeans a card, code, or other means of access to a consumer’s account, or any combination thereof (including username and password)­that­may­be­used­by­the­consumer­to­initiate­electronic­fund­transfers.­

Authorized RepresentativeA­person­with­authority­(actual­or­apparent)­to­take­action­or­make­decisions­with­respect­to­an­Eligible­Account­or­an­Online­Financial­Service.­This­definition­includes­any­person­(i)­who­has­actual­or­apparent­authority­to­access,­manage,­administer,­or­transact­business­for­an­Eligible­Account­or­an­Online­Financial­Service,­regardless­of­whether­that­person­has­signed­a­signature­card­or­other­relevant­documentation,­(ii)­who­an­owner­provided­online­banking­credentials­to­for­an­Eligible­Account­or­Online­Financial­Service,­or­(iii)­who­is­a­Delegate.

BusinessAny­person­or­entity­other­than­a­Consumer­with­an­Eligible­Account­where­an­Online­Financial­Service­is­requested.

Business DayEvery­day­is­a­Business­Day­except­Saturdays,­Sundays,­and­federal­banking­holidays.

For­brokerage­accounts,­Business­Day­also­excludes­U.S.­stock­exchange­holidays.

ConsumerA­natural­person­(not­a­business­or­other­entity)­with­an­Eligible­Account­for­which­an­Online­Financial­Service­is­requested­primarily­for­personal,­family,­or­household­purposes.­A­participant­with­only­an­employer-sponsored­retirement­plan­or­deferred­compensation­plan­is­not­considered­to­be­a­consumer.

DelegateAuthorized­Representative­appointed­using­the­Delegate­Tools.

Delegate ToolsAccess­management­tools­we­provide­that­help­you­manage­the­authority­and­access­for­some­of­your­Authorized­ Representatives.­Delegate­Tools­let­you­limit­or­control­the­access­that­certain­Authorized­Representatives­will­have­and/or­tasks­they­can­perform­with­an­Eligible­Account­or­Online­Financial­Service.

Eligible AccountEach­Wells­Fargo­product­that­you­own­or­have­applied­for­that­is­accessible­through­the­Website.Eligible Accounts include deposit accounts, loans, credit cards, lines of credit, investment products, securities accounts, brokerage­accounts,­rewards­accounts,­and­other­products­or­accounts­you­have­with­us.

Eligible BeneficiaryA person named in the governing document of a Trust and Investment Management Account as the recipient or potential recipient­of­funds­from­the­account.­An­Eligible­Beneficiary­is­entitled­to­have­online­access­to­that­account.

Wells Fargo Online Access Agreement | 7

Financial Management SoftwareQuicken®,­QuickBooks®,­Turbo­Tax®,­Xero™,­and­other­financial­management­software­we­may­identify­on­the­Website.

Include or IncludingWhen­used­at­the­beginning­of­a­list­of­one­or­more­items,­indicates­that­the­list­contains­examples.­The­list­is­neither­ exclusive­nor­exhaustive,­and­the­items­in­the­list­are­intended­only­as­illustrations.­

Mobile Banking ServiceEach­of­the­products­and­services­you­may­access­through­the­Service­using­a­Mobile­Device.­These­products­and­services­may­be­accessed­through­browsers­and­apps,­for­example.­Not­all­Eligible­Accounts­are­accessible­through­the­Mobile­Banking­Service.

Mobile DeviceA­cell­phone,­smartphone,­tablet,­or­any­other­handheld­or­wearable­communication­device­satisfying­the­hardware­and­software­requirements­we­specify.

Online Access ProcessThe term Online Access Process includes:• The­terms­under­which­you’re­allowed­to­access­and­use­the­Service­via­the­Website.• The­process­used­to­access­the­Service­(including­required­security­procedures)­via­the­Website.• Our­right­to­change,­suspend,­or­terminate­all­or­part­of­the­Service,­this­Agreement,­or­your­access­to­the­Service.

Online Financial ServiceThe term Online Financial Service includes:• Each­product­or­service­you­may­access­or­enroll­in­through­the­Website,­including­the­Mobile­Banking­Service.­Not­

every product or service made available through the Online Financial Service may be available through the Mobile Banking­Service.­

• Actions­you­take,­and­instructions­you­give­us,­through­the­Website­about­opening­or­maintaining­Eligible­Accounts.­

The­term­Online­Financial­Service­does­not­include­an­Eligible­Account.

ServiceAll Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells Fargo Advisors online and mobile services, plus all the Eligible Accounts and Online Financial Services you can access via the Website after entering into this­Agreement.

Trust and Investment Management AccountEach­Wells­Fargo­Bank­investment­management­or­trust­account­you­have­with­us­that­is­an­Eligible­Account,­including­trust­administration,­investment­management,­fiduciary,­and­certain­custodial­accounts.

Trust­and­Investment­Management­Accounts­don’t­include­brokerage­employer-sponsored­retirement­or­deferred­ compensation­accounts.

WebsiteThe term Website includes:• All Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, and Wells Fargo Advisors online services and

all­other­web­pages­maintained­by­us­and­accessible­through­wellsfargo.com,­wellsfargoadvisors.com,­the­Wells­Fargo­Mobile­app.­

• Any­other­Wells­Fargo­website­or­web­pages­you­can­access­only­after­you­or­an­Authorized­Representative­enter­into­this­Agreement.

Website­does­not­include­any­Wells­Fargo­website­with­its­own­separate­agreement­governing­online­access.­

Wells Fargo Online Access Agreement | 8

1. About this Agreement(a). Description

(b). Other Agreements with Us

(c). Conflicts between Agreements

1(a). Description The­Service­is­subject­to­this­Agreement.­The­following­are­also­considered­part­of­this­Agreement:• General­Terms­of­Use for the Website; and• Terms­or­instructions­that­appear­on­a­screen­when­enrolling­for,­activating,­accessing,­or­using­the­Service.

1(b). Other Agreements with UsIn­addition­to­this­Agreement,­you­may­have­a­separate­agreement­with­us­for­each­of­your­Eligible­Accounts­and­ Online­Financial­Services.­Those­agreements­will­continue­to­apply­to­each­of­those­accounts­or­services.

1(c). Conflicts between AgreementsIf­this­Agreement­conflicts­with­or­is­inconsistent­with­another­agreement­with­us,­then­the­other­agreement­will­ control­and­take­precedence,­unless­this­Agreement­specifically­states­otherwise.­The­other­agreement­will­only­ control­with­respect­to­the­Eligible­Account­or­Online­Financial­Service­it­is­associated­with,­and­only­to­the­extent­ necessary­to­resolve­the­conflict­or­inconsistency.­There­are­two­exceptions­to­the­general­rule­described­above:­If­ another­agreement­you­have­with­us­includes­terms­that­address­the­Online­Access­Process,­this­Agreement­will­ control­and­take­precedence­in­resolving­any­inconsistencies­between­this­Agreement­and­the­terms­in­the­other­agreement­that­address­the­Online­Access­Process.­Also,­the­original­version­of­this­Agreement­is­in­the­English­ language.­Any­discrepancy­or­conflicts­between­the­English­version­and­any­other­language­version­will­be­resolved­with­reference­to­and­by­interpreting­the­English­version.

Trust­and­Investment­Management­Accounts­are­granted­online­access­generally­for­view­access­only.­Certain­terms­and­conditions­specified­in­this­Agreement­may­not­apply­to­Trust­and­Investment­Management­Accounts.­To­the­extent­there­is­a­conflict­between­the­terms­and­conditions­of­the­agreements­or­applicable­law­governing­Trust­and­Investment­Accounts­and­this­Agreement,­the­terms­and­conditions­or­applicable­law­governing­the­Trust­and­­Investment­Management­Accounts­control.­

2. The Service(a). Description

(b). Owners, Joint Account Owners, Authorized Representatives, and Delegates

(c). Signature Requirement Waiver

(d). Summary of Acknowledgements

2(a). DescriptionUnder­the­terms­and­conditions­of­this­Agreement,­you­may­use­the­Service­to:• Access your Eligible Accounts;• Obtain Online Financial Services; and• Perform­authorized­transactions­through­the­Website.For your Eligible Accounts, transactions available to you may include obtaining balance information, transaction history and­other­information.­For­some­Eligible­Accounts,­the­balances­and­transaction­history­may­only­show­activity­as­of­the­close­of­the­previous­Business­Day.

Wells Fargo Online Access Agreement | 9

2(b). Owners, Joint Account Owners, Authorized Representatives, and DelegatesIf­an­Eligible­Account­is­owned­by­more­than­one­person­(joint­account),­or­has­an­Authorized­Representative­or­ Delegate,­each­person­may­provide­us­with­instructions­(written,­electronic,­or­verbal);­make­any­decision;­obtain­any­information;­or­make­any­request­associated­with­the­Eligible­Account­and­related­Online­Financial­Services,­to­the­extent­allowed­by­agreements­covering­the­Eligible­Account.­

Each­owner­of­an­Eligible­Account,­Authorized­Representative,­and­Delegate,­will­need­to­individually­enroll­in­the­ Service­to­access­it,­and­will­each­need­a­unique­password­and­username.

We­may­offer­Delegate­Tools­(online­or­otherwise)­that­help­you­manage­the­authority­and­access­of­the­Authorized­Representatives­and­Delegates­you­appoint.­Some­Delegate­features­may­not­be­available­for­certain­accounts­or­ customers.­Additional­features­include:• Owners­and­certain­Authorized­Representatives­of­Eligible­Accounts­may­use­the­Delegate­Tools­to­name­

a­Delegate;• We­may­provide­Delegate­Tools­that­let­one­Delegate­establish,­or­manage­the­access­of,­another­Delegate;• Delegates­who­are­Authorized­Representatives­may­also­have­authority­in­addition­to­that­established­using­the­

Delegate­Tools;• We­will­treat­a­Delegate­appointment­by­one­owner­or­certain­Authorized­Representatives­of­an­Eligible­Account­

as­a­Delegate­appointment­by­all­other­owners­of­that­Eligible­Account;• View­Only­—­Guest­users­and­authorized­users­may­have­access­to­an­Eligible­Account­or­Online­Financial­Service,­

but­only­to­view­balance­and­transaction­information­and­other­non-transactional­capabilities­as­permitted­by­the­Service.­If­Delegate­Tools­are­used­by­you­to­grant­a­guest­user­or­authorized­user­with­a­username,­password­or­other login credential to access an Online Financial Service, you understand that you are responsible for any actions taken­using­your,­your­guest­user,­or­authorized­user’s­username­and­password;­and

• View­and­Transact­—­Authorized­Representatives­may­have­access­to­an­Eligible­Account­or­Online­Financial­ Service,­and­may­engage­in­and­authorize­specified­transactions­permitted­by­the­Service.

If­you­make­someone­who­is­enrolled­in­the­Service­an­authorized­signer­on­an­Eligible­Account,­we­may­treat­that­ authorized­signer­as­a­Delegate­and­automatically­assign­View­and­Transact­authority­to­that­Delegate.

You­agree­that­you­may­only­appoint­Delegates­in­accordance­with­the­requirements­we­provide­to­you.­This­ provision­takes­precedence­over­any­conflicting­provision­in­any­other­agreement­you­have­with­us.­We­may­ discontinue­offering­Delegate­options­or­permitting­Delegates­to­access­your­Eligible­Account­or­Online­Financial­ Services­at­any­time,­without­prior­notice.

An­Authorized­Representative­or­Delegate’s­transactions­are­considered­authorized,­unless­(1)­you­tell­us­that­they­are­no­longer­authorized­as­an­Authorized­Representative­or­Delegate,­and­(2)­we­have­had­reasonable­opportunity­to­act­on­your­notification­(unless­otherwise­provided­by­law­or­regulation).­

For­more­details,­please­see­the­agreements­for­your­Eligible­Accounts­and­Online­Financial­Services.

A­Delegate’s­authority­will­end­when­we­have­a­reasonable­opportunity­to­act­on­any­of­the­following:• An­owner­of­an­Eligible­Account­or­Authorized­Representative­lets­us­know­that­the­Delegate’s­authority­

has­ended­and­requests­that­the­Delegate­be­removed.• An­owner­lets­us­know­that­the­owner­who­appointed­the­Delegate­is­no­longer­an­owner­on­the­Eligible­Account­

and­requests­that­the­Delegate­be­removed.• If­we­get­written­notice­of­the­delegating­owner’s­death/incapacity­from­a­reliable­source­such­as­a­court­(applies­

to­Consumer­and­sole-proprietor­Business­Eligible­Accounts­only)­and­requests­that­the­Delegate­be­removed.• The­Delegate­is­no­longer­enrolled­in­the­Service­as­a­Delegate.

Wells Fargo Online Access Agreement | 10

You­can­also­call­1-800-956-4442 or the phone number located on your statement for assistance in managing your Delegate­access.­If­you­made­a­Delegate­appointment­through­another­area,­you­may­need­to­follow­the­process­for­terminating­the­Delegate­appointment­through­that­same­area­to­ensure­all­required­actions­are­completed.­

2(c). Signature Requirement Waiver Any­requirement­to­verify­two­or­more­signatures­on­any­item­(such­as­a­check)­does­not­apply­to­electronic­transfers.­This­means­that­you’re­allowing­any­Authorized­Representative­on­your­Eligible­Account­to­individually­make­electronic­transfers,­even­though­his/her­authority­to­transfer­or­withdraw­funds­from­your­account­by­some­other­means­(such­as­by­check)­must­be­exercised­jointly­with­one­or­more­other­persons.

This­provision­controls­and­takes­precedence­over­any­conflicting­provision­in­any­other­agreements­you­have­with­us.

2(d). Summary of AcknowledgementsYou­agree­that:• Each­of­your­Authorized­Representatives­and­Delegates­will­be­acting­as­your­agent­and­will­be­bound­by­this­

Agreement­and­any­separate­agreement­governing­the­Eligible­Account­or­Online­Financial­Service.• We­may­rely­and­act­on­the­instructions­of­any­Authorized­Representative­or­Delegate.• All­transactions­that­an­Authorized­Representative­or­Delegate­performs­on­an­Eligible­Account­or­Online­Financial­

Service,­including­those­you­did­not­want­or­intend,­are­transactions­authorized­by­you.­You­are­solely­responsible­for­those­transactions.

• You­are­solely­responsible­for­supervising­all­of­your­Authorized­Representatives­and­Delegates,­and­monitoring­the­actions­they­take­on­your­behalf,­whether­or­not­we­provide­Delegate­Tools­for­managing­their­authority.

• You­will­be­responsible­for­ensuring­each­Authorized­Representative­or­Delegate­maintains­the­confidentiality­of­that­person’s­username,­password,­or­other­login­identification.

• Each­Delegate­will­access­and­use­each­Eligible­Account­and­Online­Financial­Service,­in­accordance­with­the­ authority­given­to­the­Delegate­by­the­delegating­owner­or­Authorized­Representative.

• Each­time­the­Delegate­accesses,­views,­or­transacts­on­an­Eligible­Account­or­Online­Financial­Service,­you­ represent­and­warrant­to­us­that­the­delegating­owner­authorizes­the­Delegate’s­action.

• If­we­get­conflicting­instructions,­if­we­believe­that­an­Eligible­Account’s­security­or­our­security­may­be­at­risk­as­a­result­of­a­Delegate,­or­if­the­Delegate­violates­any­part­of­this­Agreement,­we­may­at­our­sole­discretion­end­the­Delegate’s­access­to:- The­Service.- An­Eligible­Account.- An­Online­Financial­Service.

We­may­also­prevent­the­individual­from­being­a­Delegate,­or­discontinue­the­individual’s­Delegate­authority,­without­prior­notice­to­you­or­any­Eligible­Account­owner.

3. Access(a). Accessing Eligible Accounts and Online Financial Services

(b). Account Linking and Display

(c). Availability and Unavailability of Service

(d). Terminating Online Access

(e). Business Eligible Accounts: Additional Provision

3(a). Accessing Eligible Accounts and Online Financial ServicesYou­authorize­Wells­Fargo­to­provide­access­to­your­Eligible­Accounts­and­Online­Financial­Services­through­the­ Service.­You­may­access­your­Eligible­Accounts­and­Online­Financial­Services­through­the­Website­to­obtain­ information­and­perform­transactions­authorized­on­the­Website.

Wells Fargo Online Access Agreement | 11

To­access­your­Eligible­Accounts­and­Online­Financial­Services­through­the­Website,­you­need­a­username,­a­password­and­required­hardware­and­software­(see­Online­Banking­Help for­details).­To­complete­your­enrollment­in­the­Service,­you­will­be­required­to­validate­your­email­address.­Additionally,­you­are­required­to­maintain­an­email­address­that­is­continuously­operational to receive email communications from us in order to continue to access your Eligible Accounts and Online Financial­Services­through­the­Website.­You­must­provide­all­computer,­telephone­and­other­equipment,­software­(other­than­any­software­provided­by­us)­and­services­you­need­to­access­the­Service.­You­also­have­to­comply­with­any­other­security­procedures­we­may­establish.

When­using­the­Mobile­Banking­Service,­you­may­generally­access­certain­Eligible­Accounts­through­the­mobile­ browser­or­our­mobile­apps,­or­get­certain­information­through­text­messaging­or­push­notification­on­a­Mobile­ Device.­In­order­to­do­so,­you­must­provide­us­with­(and­maintain)­a­valid­mobile­phone­number,­which­you­are­the­ owner­of­or­have­the­delegated­legal­authority­to­act­on­behalf­of­the­mobile­subscriber.

3(b). Account Linking and DisplayOnce­you­enroll­for­the­Service,­you­can­link­and­display­certain­Eligible­Accounts.­Eligible­Accounts­that­are­linked­and­displayed­through­the­Mobile­Banking­Service­may­be­subject­to­certain­limitations­and­restrictions.

Eligible­Accounts­will­appear­on­your­Account­Summary­page­on­the­Website­without­regard­to­who­else­may­have­an­ownership­interest­in­each­Eligible­Account.

3(c). Availability and Unavailability of ServiceSubject to the terms of this Agreement, you’ll generally be able to access your Eligible Accounts and Online Financial Services­through­the­Website­7­days­a­week,­24­hours­a­day.­

Sometimes­the­Service­may­be­unavailable­due­to­system­maintenance­or­circumstances­beyond­our­control.­During­these­times,­you­may­be­able­to­call­Online­Customer­Service­at­1-800-956-4442, use a Wells Fargo ATM, or visit a Wells­Fargo­branch­to­obtain­information­about­your­Eligible­Accounts.­For­brokerage­accounts­and­services,­use­our­touch-tone­service­if­you’re­enrolled,­contact­your­Financial­Advisor,­or­call­1-877-879-2495.

3(d). Terminating Online AccessThis­Agreement­will­be­in­effect­from­the­date­we­accept­your­enrollment­in­the­Service­and­at­all­times­while­you’re­using­the­Service­or­any­Online­Financial­Service.­

Unless­otherwise­required­by­applicable­law­or­regulation,­either­of­us­can­terminate­this­Agreement­and/or­your­access­to­any­Eligible­Account­or­Online­Financial­Service­through­the­Service,­in­whole­or­in­part,­at­any­time.­For­example,­we­may­terminate­your­access­to­the­Services­due­to­inactivity,­at­any­time.­We­will­try­to­notify­you­in­advance­of­any­termination,­but­are­not­required­to­do­so.­

We­also­may­terminate­access­upon­proper­notification­of­death.

If­you­violate­any­terms­of­this­Agreement­(including­non-payment­of­fees­under­any­applicable­fee­schedule)­or­any­other­agreement­you­have­with­us,­you­agree­that­we­may­suspend­or­terminate­your­access­to­any­of­your­Eligible­Accounts­and­Online­Financial­Services.­We­are­not­required­to­reinstate­or­re-activate­your­access.

If­you­close­all­your­Eligible­Accounts,­terminate­your­Online­Financial­Services,­or­withdraw­from­the­Service,­we­may­suspend­or­terminate­your­access­without­prior­notification.­We­are­not­required­to­reinstate­or­re-activate­your­ access.­If­reinstated,­the­then-current­terms­of­this­Agreement­will­control.­

Wells Fargo Online Access Agreement | 12

If­you­want­to­remove­online­access­for­an­Eligible­Account,­you­can­do­so­through­the­Service­or­call:• Wells­Fargo­Online­Customer­Service­at­1-800-956-4442• Wells Fargo Advisors accounts, call 1-877-879-2495

3(e). Business Eligible Accounts: Additional Provision If­you­have­a­Business­Eligible­Account­or­Business­Online­Financial­Service,­before­authorizing­access­to­the­Service,­we­may­require­(based­on­terms,­conditions,­or­other­agreements)­any­Authorized­Representative­to­enter­into­this­Agreement,­as­amended.

4. Electronic Fund Transfers Timing (General) Unless­the­Website­or­our­other­agreements­with­you­say­otherwise,­electronic­fund­transfers­completed­through­the­Service­before­the­transfer­cut-off­time­on­a­Business­Day­will­be­posted­to­your­Eligible­Account­the­same­day.­Credit­card,­line­of­credit,­loan­and­mortgage­transactions­may­take­up­to­three­Business­Days­to­process,­but­will­post­as­of­the­Business­Day­the­transaction­was­made.

All­transfers­completed­after­the­transfer­cut-off­time­on­a­Business­Day,­or­on­a­day­that­is­not­a­Business­Day,­will­be­posted­on­the­next­Business­Day.

Please note that electronic fund transfers:• Between financial institutions­will­be­processed,­completed,­and­posted­by­the­other­institution­following­its­

own­rules.• To and from brokerage accounts­may­have­different­transfer­cut-off­times­or­posting­times.• Initiated through the Service for person-to-person payments­may­have­different­transfer­cut-off­or­

posting­times.

For­more­information­regarding­real-time­payments,­please­see­your­Eligible­Account­agreement.­

5. Electronic Fund Transfers Provisions (Consumer Accounts Only)

(a). Applicability

(b). Your Liability

(c). Errors/Unauthorized Electronic Fund Transfers/Questions

(d). Documentation

(e). Handling Preauthorized Payments (Recurring)

(f). Our Liability for Failure to Make Transfers

5(a). ApplicabilityThe­provisions­in­this­Section­apply­only­to­electronic­fund­transfers­(EFTs)­that­debit­or­credit­a­Consumer’s­ checking,­savings,­or­other­asset­account­and­are­subject­to­Regulation­E,­which­implements­the­federal­Electronic­Fund­Transfer­Act.­You­can­find­the­terms­and­conditions­that­apply­to­EFTs­that­debit­or­credit­a­brokerage­account­ in­your­brokerage­account­agreement,­not­this­Agreement.­

When­applicable,­we­may­rely­on­any­exceptions­to­the­provisions­in­this­Section­that­are­covered­in­Regulation­E.­ All­terms­in­this­Section­not­defined­in­this­Agreement­but­defined­in­Regulation­E­will­have­the­meaning­given­in­ Regulation­E.

Wells Fargo Online Access Agreement | 13

5(b). Your Liability Except­for­EFTs­to­or­from­brokerage­accounts,­your­liability­for­an­unauthorized­EFT­or­a­series­of­related­ unauthorized­EFTs­will­be­determined­as­follows:

Event: Loss or theft of Access Device (including username and password)

If you notify us...

Within­two­Business­Days­after­learning­of­the­loss­or­theft.

Your liability won’t exceed...

Lesser­of­$50,­OR­the­total­amount­of­unauthorized­EFTs­that­occur­before­notice­to­us.

Event: Loss or theft of Access Device (including username and password)

If you notify us...

More­than­two­Business­Days­after­learning­of­the­loss­or­theft­of­your­Access­Device­up­to­60­days­after­we­send­you­a­statement­showing­the­first­unauthorized­transfer­made­with­Access­Device.

Your liability won’t exceed...

Lesser­of­$500,­OR­the­sum­of:

a) $50­or­the­total­amount­of­unauthorized­EFTs­occurring­in­the­first­two­Business­Days­whichever­is­less;­AND

b) the­amount­of­unauthorized­EFTs­occurring­after­two­Business­Days­and­before­notice­to­us.

Event: Loss or theft of Access Device (including username and password)

If you notify us...

More­than­60­days­after­we­send­you­a­statement­showing­first­unauthorized­EFT­made­with­Access­Device.

Your liability won’t exceed...

• For­transfers­occurring­WITHIN­the­60­day­period:­Lesser­of­$500,­OR­the­sum­of:­(a)­$50­or­the­total­amount­of­unauthorized­EFTs­occurring­in­the­first­two­Business­Days­whichever­is­less;­AND­(b)­the­amount­of­unauthorized­EFTs­occurring­after­two­Business­Days­and­before­notice­to­us.

• For­transfers­occurring­AFTER­the­60­day­period,­you­may­have­unlimited­liability,­until­you­notify­us.

Event: Unauthorized EFT(s) NOT involving loss or theft of an Access Device (including username and password)

If you notify us...

Within­60­days­after­we­send­you­a­statement­on­which­the­unauthorized­transfer­first­appears.

Your liability won’t exceed...

No­liability.

Event: Unauthorized EFT(s) NOT involving loss or theft of an Access Device (including username and password)

If you notify us...

More­than­60­days­after­we­send­you­a­statement­on­which­the­unauthorized­transfer­first­appears.

Your liability won’t exceed...

Unlimited­liability­for­unauthorized­EFTs­occurring­60­days­after­the­statement­and­before­notice­to­us.

Wells Fargo Online Access Agreement | 14

If­your­delay­in­notifying­us­was­due­to­extenuating­circumstances,­we’ll­extend­the­times­specified­in­the­immediately­preceding­paragraphs­to­a­reasonable­period.

Note­that­these­liability­rules­are­established­by­Regulation­E,­which­implements­the­federal­Electronic­Fund­Transfer­Act­and­do­not­apply­to­business­accounts.­Our­account­agreements­regarding­unauthorized­debit­card,­ATM­Card,­Wells Fargo EasyPay®, and consumer and business credit card transactions may give you more protection, provided you­report­the­transactions­promptly.­Please­see­the­agreement­you­received­with­your­ATM,­debit­card,­Wells­Fargo­EasyPay,­or­consumer­and­business­credit­cards,­and­the­Eligible­Account­agreement.

5(c). Errors/Unauthorized EFTs/Questions Here’s­how­to­notify­us­when­you­believe­that­an­error,­unauthorized­EFT,­or­unauthorized­transfer­has­been­or­may­have been made:• Phone. 1-800-956-4442,­24­hours­a­day,­7­days­a­week.• Paper Mail. Wells­Fargo­Bank,­N.A.,­PO­Box­6995,­Portland,­OR­97228-6995.• Online.­Sign­on­to­the­Service­with­your­username­and­password­and­use­the­appropriate­form.­For­questions­or­

errors­about­bill­payment­transactions,­use­the­inquiry­forms­accessible­through­Bill­Pay.

To notify us of errors in brokerage account transfers, follow the procedures in your brokerage account agreement.

To­limit­your­liability­for­subsequent­unauthorized­transfers,­or­to­report­any­other­errors,­we­must­hear­from­you­no­later­than­60­days­after­the­date­we­send­the­first­statement­on­which­the­problem­or­error­appeared.

When­contacting­us­about­an­error­or­with­questions,­please­tell­us:• Your­name­and­account­number­(if­any).• About­the­error­or­the­transfer­you­question,­and­clearly­explain­why­you­believe­it­is­an­error­or­why­you­need­

more­information.• The­dollar­amount­and­date­of­the­suspected­error.

If­you­report­a­problem­by­phone,­we­may­ask­you­to­submit­your­complaint­or­question­in­writing­within­10­Business­Days.­We’ll­determine­whether­an­error­occurred­within­10­Business­Days­after­we­hear­from­you­and­will­promptly­cor-rect­any­error.­If­we­need­more­time­to­conduct­our­investigation,­we’ll­notify­you­of­our­need­for­an­extension­of­up­to­45­days.­If­we­decide­to­do­this,­we’ll­provisionally­credit­your­account­within­10­Business­Days­for­the­amount­you­think­is­in­error,­so­you­can­use­the­money­during­the­time­it­takes­us­to­complete­our­investigation.­If­we­ask­you­to­put­your­com-plaint­or­question­in­writing­and­don’t­receive­it­within­10­Business­Days,­we­may­not­provisionally­credit­your­account.

We­may­permit­you­to­initiate­or­monitor­the­status­of­certain­kinds­of­complaints­or­questions­electronically­on­the­Website.­Complaints­or­questions­you­initiate­via­the­process­we­provide­on­the­Website­will­be­considered­as­written­notification.

For­errors­involving­new­accounts,­point-of-sale­or­foreign-initiated­transactions,­our­investigation­may­take­up­to­90­calendar­days.­For­new­accounts,­we­may­take­up­to­20­Business­Days­to­credit­your­account­for­the­amount­you­think­is­in­error.­

We­will­tell­you­the­results­within­three­Business­Days­after­completing­our­investigation.­If­we­decide­that­there­was­no­error,­we­will­send­you­a­written­explanation­and­you­can­ask­for­copies­of­the­documents­that­we­used­in­our­investigation.­

5(d). DocumentationYou­have­the­right­to­find­out­whether­an­EFT­was­credited­to­or­debited­from­your­Eligible­Account.­To­do­so,­contact­us­at­the­number­listed­on­your­statement­for­your­Eligible­Account.

Wells Fargo Online Access Agreement | 15

We’ll­send­you­a­monthly­statement­if­there­are­EFTs­in­a­particular­month.­Otherwise,­we’ll­send­you­a­statement­at­least­quarterly.­

You­can­get­a­receipt­at­the­time­you­make­any­EFT­to­or­from­your­account­using­one­of­our­ATMs­or­when­you­use­your­card­at­a­merchant­terminal.

5(e). Handling Preauthorized Payments (Recurring) Right to stop payment:­If­you­have­told­us­in­advance­to­make­regular­(recurring)­payments­out­of­your­account,­you­can­stop­any­of­these­payments.­Here’s­how:­Call­Wells­Fargo­Phone­Bank­at­1-800-869-3557,­or­write­to­us­at­ Wells­Fargo,­Customer­Correspondence,­PO­Box­6995,­Portland,­OR,­97228-6995,­in­time­for­us­to­receive­your­ request­three­Business­Days­or­more­before­the­payment­is­scheduled­to­be­made.­If­you­call,­we­may­also­require­you­to­put­your­request­in­writing­and­get­it­to­us­within­14­days­after­you­call.­Stop­payment­fees­may­apply.­Please­refer­to­the­account­agreement­governing­your­Eligible­Account(s)­for­more­information.­

Notice of varying amounts: If the amount of these regular (recurring) payments vary, the party you are going to pay should­tell­you­10­days­before­each­payment­when­it­will­be­made­and­how­much­it­will­be.­(The­party­you­are­going­to­pay­may­allow­you­to­choose­to­get­this­notice­only­when­the­payment­would­differ­by­more­than­a­certain­amount­from­the­previous­payment,­or­when­the­amount­would­fall­outside­certain­limits­that­you­set.)

Liability for failure to stop payment:­If­you­order­us­to­stop­one­of­these­payments­three­Business­Days­or­more­ before­the­transfer­is­scheduled,­and­we­do­not­do­so,­we­will­pay­for­your­losses­or­damages.

5(f). Our liability for failure to make transfersIf­we­do­not­complete­a­transfer­to­or­from­your­account­on­time­or­in­the­correct­amount­according­to­our­agreement­with­you,­we­will­be­liable­for­your­losses­or­damages.­However,­there­are­some­exceptions.­For­instance,­we­will­not­be­liable if: • Through­no­fault­of­ours,­you­do­not­have­enough­money­in­your­account­to­make­the­transfer,­• The­transfer­would­go­over­the­credit­limit­on­a­credit­account­linked­for­overdraft­protection,­• The­Service­was­not­working­properly­and­you­knew­about­the­breakdown­when­you­started­the­transfer,• ­Circumstances­beyond­our­control­(such­as­fire­or­flood)­prevent­the­transfer,­despite­reasonable­precautions­we­

have­taken,­or­• There­is­some­other­exception­stated­in­any­of­our­agreements­with­you.

6. Digital Bill Pay (Wells Fargo Bill Pay and Wells Fargo eBills)(a). Description

(b). Wells Fargo Same Day Payments ServiceSM

(c). Fees

(d). Stop/Change Payment

(e). Scheduling Payments

(f). Errors and Liability

(g). Termination

(h). Conflicts between Sections

(i). Additional Provisions (Business Accounts Only)

(j). Wells Fargo eBills

(k). Third-Party eBills

Wells Fargo Online Access Agreement | 16

6(a). DescriptionWells­Fargo­Bill­Pay­(“Bill­Pay”)­lets­you­schedule­bill­payments­through­the­Service.­You­must­have­at­least­one­Eligible­Account­that­is­either­a­Wells­Fargo­checking­account,­a­Wells­Fargo­Advisors­brokerage­account­with­the­Brokerage­Cash­Services­feature­(“Brokerage­Cash­Services­account”),­or­Priority­Credit­Line­accessible­through­the­Service­to­use­Bill­Pay.­You­authorize­us­to­add­Eligible­Accounts­that­are­Wells­Fargo­credit­card­or­loan­accounts­as­payees­in­Bill Pay,­but­depending­on­your­history­related­to­those­accounts,­we­may­not­automatically­establish­them­as­your­Bill Pay­payees.­For­certain­providers,­you­may­have­to­provide­additional­identification­information­to­see­the­bill­detail­­information­from­our­Website,­or­you­may­have­to­visit­your­provider’s­site­directly­to­see­bill­detail­information.

You­can­arrange,­at­your­option,­for­the­payment­of­your­current,­future,­and­automatic­(recurring)­bills­from­the­accounts­listed­below.­Please­note­that­these­accounts,­called­“Funding­Accounts,”­have­certain­payment­limits,­also­listed­below.

Account type Payment limit

Wells­Fargo­checking­accounts $50,000­per­payment

Wells­Fargo­Money­Market­Checking­accounts $50,000­per­payment

Wells Fargo business credit card accounts $10,000­per­payment­and­per­day

Wells Fargo business lines of credit accounts $25,000­per­payment­and­per­day

Certain­Wells­Fargo­home­equity­line­of­credit­accounts $10,000­per­payment­and­per­day

Certain­Wells­Fargo­personal­lines­of­credit $5,000­per­payment­and­per­day

The­Wells­Fargo­Advisors­Brokerage­Cash­Services­and­Priority­Credit­Line $50,000­per­payment

Bill­Pay­payments­made­with­an­eligible­credit­account­cannot­be­used­to­make­payments­on­other­Wells­Fargo­credit­products.­A­Funding­Account­may­not­be­used­to­pay­any­part­of­the­balance­you­owe­on­that­Funding­Account.­Eligible­Accounts­that­require­two­or­more­signatures­or­authorizations­to­withdraw­or­transfer­funds­may­not­be­used­as­a­Funding­Account.­A­Funding­Account­must­remain­linked­to­the­Service­in­order­to­use­the­Funding­Account­for­current,­future,­and­automatic­(recurring)­Bill­Pay­payments.

Other­than­as­stated­above,­there­is­no­limit­to­the­number­of­payments­that­may­be­authorized­(except­that­(i)­pay-ments­funded­with­a­credit­account­are­limited­to­the­total­of­the­available­credit­in­the­account­when­payments­are­made,­and­(ii)­the­number­of­transfers­from­an­eligible­money­market­checking­account­is­limited­as­detailed­in­the­Wells­Fargo­Deposit­Account­Agreement).

You­may­pay­any­payee­approved­by­us­in­the­continental­United­States,­Alaska,­and­Hawaii,­and­the­following­United­States­Territories:­Guam,­Puerto­Rico,­and­the­Virgin­Islands.­Payments­to­a­person­or­business­with­an­APO­or­FPO­address­will­be­made­via­paper­check.

Joint­account­holders­may­use­the­same­account­as­their­Funding­Account­for­their­individual­use­of­Bill­Pay.­

Wells Fargo Online Access Agreement | 17

If­you­give­us­the­name­and­address­of­a­payee,­or­an­image­of­a­payee­bill­or­invoice,­you­authorize­us­to­follow­your­payment­instructions­regarding­that­payee.­In­some­cases,­we­may­submit­payments­to­the­best-known­payee­name­or­address.­Bill­Pay­payments­sent­via­paper­check­with­varying­payee­names­may­be­combined­in­one­envelope­if­those­payments­have­the­same­mailing­address,­and­the­payee­has­not­registered­their­full/unique­mailing­address­with­the­USPS,­including­their­secondary­address­designation,­e.g.,­Suite,­Room,­Floor,­Dept.,­Building,­or­Unit.­If­we­need­to,­we’ll­change­or­reformat­your­payee­account­number­to­match­the­account­number­or­format­required­by­your­payee­for­electronic­payment­processing­and­eBill­activation.­

Bill­Pay­is­intended­for­your­use­only­to­pay­bills­and­invoices,­and­not­for­any­other­purpose.­Using­Bill­Pay­to­process­payments­on­behalf­of­someone­other­than­an­owner­is­prohibited­and­will­be­grounds­for­termination­of­Bill­Pay­and­your­access­to­the­Service.

We­may­use­non-affiliated­third­parties­acting­on­our­behalf­to­process­Bill­Pay­payments.­These­third-party­ processors­must­adhere­to­Wells­Fargo’s­strict­security­and­privacy-protection­standards.­Paper­checks­processed­by­non-affiliated­third­parties­may­show­that­they­were­drawn­on­the­third-party­processor,­rather­than­on­Wells­Fargo­Bank,­N.A.

The­date­a­Bill­Pay­payment­starts­processing­is­referred­to­in­this­Agreement­as­the­“Payment­Send­On­Date.”­ Specific­details­about­the­Payment­Send­On­Date­will­be­provided­on­the­Service­Web­pages­when­you­schedule­a­Bill­Pay­payment.­We­may,­at­our­option,­pay­or­refuse­to­make­bill­payments­funded­by­checking­accounts,­money­market­accounts,­or­a­Brokerage­Cash­Services­account­if­it­would­create­an­overdraft­on­those­accounts.­This­decision­remains­discretionary­regardless­of­whether­we’ve­previously­honored­or­dishonored­overdrafts.

If­we­receive­a­bill­payment­drawn­against­your­checking­account,­money­market,­or­a­Brokerage­Cash­Services­ account,­and­there­are­insufficient­available­funds­in­that­account­to­cover­the­payment,­we­may­at­our­sole­discretion:• Cover­the­payment­by­transferring­available­credit­or­funds­from­an­account­you­have­linked­for­Overdraft­

Protection, or• Pay the bill payment and create an overdraft on your account, or• Decline­the­bill­payment,­or• Re-attempt­the­bill­payment­the­following­Business­Day­(until­this­second­attempt­is­completed,­the­payment­is­

pending­and­cannot­be­cancelled).

Any­negative­balance­on­your­Funding­Account­will­be­governed­by­your­applicable­account­agreements­with­us.­If­a­Funding­Account­is­an­eligible­business­credit­card­or­line­of­credit­account,­we­don’t­have­to­make­a­payment­unless­that­account­has­sufficient­available­credit­to­pay­the­bill­on­the­Payment­Send­On­Date.

Your­account’s­terms­and­conditions­describe­“over­limit­fees”­that­may­apply­to­you­if­any­bill­payments,­associated­fees,­or­finance­charges­cause­your­credit­account­balance­to­exceed­the­credit­limit.­The­dollar­amount­of­bill­payments­through­your­credit­account­(whether­we­make­these­payments­electronically­or­by­check)­will­be­charged­to­that­credit­account­on­the­Payment­Send­On­Date.

Finance charges (such as interest and transaction fees) may apply to bill payments funded by a credit account; these charges­will­be­shown­to­you­during­the­payment­scheduling­process.­Please­see­your­credit­account­agreement­and­any­written­disclosure­statements­for­more­information.

If­your­Funding­Account­closes­or­is­restricted­for­any­reason,­we’ll­cancel­all­pending­payments­associated­with­the­account.­It­will­be­your­sole­responsibility­to­make­all­pending­and­future­payments.

Wells­Fargo­offers­a­Bill­Pay­Payment­Guarantee­that­applies­to­the­use­of­Bill­Pay­in­certain­circumstances.­

Wells Fargo Online Access Agreement | 18

6(b). Wells Fargo Same Day Payments ServiceSM The­Wells­Fargo­Same­Day­Payments­Service­(“SDP­Service”)­lets­you­make­one-time­same-day­bill­payments­to­a­ participating­payee­for­an­additional­fee.­You­must­be­a­subscriber­of­the­service­to­use­it.• You­can­make­a­same­day­payment­only­from­an­Eligible­Wells­Fargo­checking­account,­a­Brokerage­Cash­Services­

account,­or­Priority­Credit­Line­(the­“SDP­Service­Account”),­up­to­a­maximum­of­$50,000­per­payment.• You­can’t­use­accounts­that­require­two­or­more­signatures­or­authorizations­to­withdraw­or­transfer­funds­with­

the­SDP­Service.

For­a­same­day­payment­request­submitted­before­the­applicable­cutoff­time­displayed­on­the­Make­Payment­ screens,­we’ll­debit­your­SDP­Service­Account­and­send­funds­to­the­payee­that­same­day­(which­may­be­a­ non-Business­Day).

You­may­make­a­same­day­payment­to­a­participating­payee­by­submitting­your­request­before­the­cut-off­time­specified­on­the­Make­Payment­screens.­For­each­same­day­payment,­you­get­a­separate­payment­confirmation­notice­that­confirms:• That­your­same­day­payment­has­been­made.• Details­of­the­payment.• A­payment­reference­number.

The­SDP­Service­permits­duplicate­payments­on­the­same­day:­If­you­schedule­more­than­one­payment­to­the­same­payee,­for­the­same­amount­on­the­same­date,­all­of­the­scheduled­payments­will­be­sent.

Payments­that­are­in­process­cannot­be­canceled­or­stopped.­You­can’t­cancel­a­same­day­payment­after­you­submit­it.

6(c). FeesThere­are­no­monthly­service­fees­for­Bill­Pay.­However,­the­SDP­Service­has­service fees.­Account­fees­(e.g.,­monthly­service,­overdraft)­may­apply­to­the­Funding­Account.­For­more­information­on­the­account­fees,­please­refer­to­the­account­agreement­you­received­when­you­opened­your­account.­See­further­discussion­on­other­potential­fees­and­charges­in­Section­6(a)­above.­

6(d). Stop/Change PaymentYou­have­the­right­to­stop­or­change­any­scheduled­bill­payment,­if­you:­(1)­do­so­within­the­Bill­Pay­secure­online­session­or­by­calling­Wells­Fargo­Online­Customer­Service­at­1-800-956-4442,­and­(2)­have­submitted­your­request­in­time­to­provide­us­a­reasonable­opportunity­to­act­on­it­before­we­pay,­cash,­or­otherwise­become­obligated­to­pay­your­bill.­See­Bill­Pay­Payment­Guarantee­for­further­information.­

Stop­payment­requests­aren’t­guaranteed:­for­example,­payees­can­present­paper­check­payments­to­their­bank­before­the­stop­payment­has­been­properly­processed,­and­once­a­paper­check­has­been­cashed­by­the­payee­or­credited­to­the­payee’s­account­it­cannot­be­stopped.­If­we­successfully­stop­the­payment­of­a­paper­check,­it­may­take­up­to­seven­Business­Days­for­the­funds­to­be­credited­back­to­your­account.

6(e). Scheduling PaymentsWhen­making­payments­through­Bill­Pay,­please­allow­enough­time­for­your­payee­to­receive­your­payment­and­credit­your­account­properly.­To­avoid­incurring­a­finance­or­other­charge­imposed­by­your­payee,­you­must­schedule­a­payment­sufficiently­in­advance­of­the­payment­due­date,­so­that­the­delivery­date­is­before­the­payment­due­date.­

Bill­Pay­payments­sent­by­check­will­show­the­payer­of­the­check­as­the­“Name­on­Bill”­you­have­provided­for­that­ payee­record.

Wells Fargo Online Access Agreement | 19

Payments­must­be­scheduled­before­7:00­pm­Pacific­Time­to­be­processed­on­that­day.­We­will­withdraw­funds­from­your­Funding­Account­on­the­Business­Day­following­your­Payment­Send­On­Date.­Your­Available­Balance­may­be­reduced­by­the­amount­of­your­payment­on­the­calendar­day­following­your­Payment­Send­On­Date,­if­that­day­is­not­a­Business­Day.­Payments­scheduled­from­brokerage­accounts,­if­permitted,­or­a­Brokerage­Cash­Services­account­may­have­different­cut-off­times.

If­a­paper­check­is­sent­and­the­check­is­not­presented­for­payment­within­90­days,­we’ll­stop­payment­on­the­check­and­credit­the­check­amount­back­to­your­Funding­Account.

To avoid sending duplicate Bill Pay payments, if you schedule more than one payment to the same payee for the same amount­on­the­same­date,­only­one­payment­will­be­sent.

6(f). Errors and Liability In­addition­to­the­provisions­in­Section­5­above,­please­refer­to­our­Bill­Pay­Payment­Guarantee,­which­provides­ additional­benefits­in­certain­circumstances.­

6(g). TerminationWells­Fargo­may­terminate­your­access­to­Bill­Pay­without­prior­notice:• If­you­use­or­we­suspect­you­have­used­Bill­Pay­for­other,­illegal,­fraudulent,­or­unauthorized­purposes.• If­you­establish­more­than­999­payees.• If­you­close­your­checking­account,­Brokerage­Cash­Services­account,­or­Priority­Credit­Line­and­don’t­timely­

designate­a­new­checking­account,­a­Brokerage­Cash­Services­account,­or­Priority­Credit­Line­as­a­Funding­Account.• For­Eligible­Accounts­that­are­in­default­or­subject­to­an­automatic­stay­in­bankruptcy.• Upon­the­death­of­an­owner.­

If­Wells­Fargo­terminates­your­use­of­Bill­Pay,­your­online­bill­payment­information­will­be­lost­and­all­pending­ payments­will­be­cancelled­and­are­your­sole­responsibility.

6(h). Conflicts between Sections If­this­Section­6­conflicts­with­any­other­provisions­of­this­Agreement,­this­Section­governs­with­respect­to­Bill­Pay.

6(i). Additional Provisions (Business Accounts Only) The­provisions­in­this­Section­apply­only­to­bill­payments­from­Business­accounts.­For­payment­requests­from­ Business­accounts,­which­are­subject­to­Article­4A­of­the­Uniform­Commercial­Code­(“UCC­4A”),­we’re­liable­only­for­damages­required­to­be­paid­under­UCC­4A.­We’ll­never­be­liable­for­any­exemplary,­special,­indirect,­or­consequential­loss,­damage,­costs,­or­expense­of­any­nature,­including­lost­profits,­except­as­may­be­required­by­law­or­regulation.­You­agree that the security procedures required by us under this Agreement set forth security procedures for electronic funds­transfer­that­are­commercially­reasonable.

6(j). Wells Fargo eBillsWells Fargo eBills are the delivery of electronic payment statements for certain types of Wells Fargo loans and line of credit­products­through­Bill­Pay.­Wells­Fargo­credit­products­eligible­for­Wells­Fargo­eBills­are­identified­in­the­Bill­Pay­portion­of­the­Website,­“Eligible­Credit­Accounts.”­We­may­add­or­remove­categories­of­credit­products­from­the­list­of­ Eligible­Credit­Accounts­at­any­time.­You­must­enroll­each­Eligible­Credit­Account­individually­in­Wells­Fargo­eBills.

You­understand­and­agree­that­Wells­Fargo­eBills­are­provided­for­your­convenience,­and­payments­due­continue­to­be your responsibility as stated in your promissory note, line of credit agreement, mortgage, deed of trust, credit card agreement,­or­security­agreement­for­each­Eligible­Loan­Account,­as­applicable.

Any­individual­borrower­on­your­loan,­line­of­credit,­or­account­can­enroll­in­Wells­Fargo­eBills.­Regardless­of­the­ individual­who­enrolls­in­Wells­Fargo­eBills,­the­terms­of­this­Agreement­apply­to­all­borrowers,­individually­and­jointly.

Wells Fargo Online Access Agreement | 20

6(k). Third-Party eBillsThird-party­eBills­are­electronic­versions­of­paper­bills­made­available­from­participating­companies­that­may­not­contain­the­full­statement­details­in­them.­eBills­are­updated­automatically­once­the­eBill­is­received­from­participating­companies.­If­the­company­you­are­setting­up­for­bill­payment­offers­eBills,­we­will­let­you­know­that­the­eBill­service­is­available­and­guide­you­through­the­enrollment­process.

Companies­may­require­you­to­provide­certain­information­in­order­to­verify­your­identity­and­validate­your­eligibility­to­receive­an­eBill.­Wells­Fargo­does­not­control­what­criteria­or­information­a­company­uses­for­their­eBill­setup.­Please­refer­to the company’s privacy notices or contact the company directly if you have concerns over the company’s collection, use, and­storage­of­your­data.­Once­an­eBill­request­is­submitted,­it­may­take­up­to­ten­(10)­Business­Days­for­a­company­to­approve­your­eBill­request.­We­will­send­you­an­email­alert­regarding­the­status­of­your­eBill­activation.

Since­eBills­are­controlled­by­third-party­companies,­Wells­Fargo­takes­no­responsibility­for­any­late­charges­or­other­adverse­consequences­if­a­company­delays­delivery­or­fails­to­deliver­a­complete­or­accurate­eBill.­If­you­do­not­receive­an­eBill­or­have questions­about­an­eBill,­please­contact­the­company­directly.

7. Bank-to-Bank Transfers and Transfers Between Your Wells Fargo Accounts

(a). Description

(b). Information Authorization for non-Wells Fargo Accounts

(c). Accounts

(d). Transfer Types and Limitations

(e). Authorization

(f). Transfer Service Charges

(g). Suspension, Reinstatement, and Termination

(h). Account Number Policy

(i). Your Responsibility for Errors

(j). Our Liability

(k). Security

7(a). DescriptionBank-to-Bank­transfers­and­transfers­between­your­Wells­Fargo­accounts­(“Transfer­Service”)­lets­you­transfer­funds:• Between­your­Wells­Fargo­accounts;• From­your­Wells­Fargo­checking­and/or­savings­accounts­to­your­accounts­at­other­United­States­financial­

institutions (“Financial Institutions”);• From­your­accounts­at­other­Financial­Institutions­to­your­Wells­Fargo­checking­and/or­savings­accounts­and­to­

make­payments­to­your­Wells­Fargo­credit­accounts­(such­as­your­eligible­home­equity­lines­of­credit­and­loan­ accounts, credit card accounts, and auto loan and mortgage loan accounts);

• From­your­brokerage­accounts­with­Wells­Fargo­affiliates­(excludes­self-directed­brokerage­arrangements­that­are­part­of­a­retirement­plan)­to­your­checking­and/or­savings­accounts­at­other­Financial­Institutions;­and

• From­your­checking­and/or­savings­accounts­at­other­Financial­Institutions­to­your­brokerage­accounts­with­ Wells­Fargo­affiliates.

In­this­Section,­“Account(s)”­refers­to­each­of­the­accounts­referenced­above.

Wells Fargo Online Access Agreement | 21

For­brokerage­clients,­Wells­Fargo­provides­the­online­transfer­access­on­the­Website­and­the­brokerage­affiliate­transfers­the­money­according­to­requests­made­on­the­Website.

If­your­Wells­Fargo­Accounts­and/or­Service­are­terminated­for­any­reason,­you­will­have­no­further­right­or­access­to­use­the­Transfer­Service.

7(b). Information Authorization for non-Wells Fargo AccountsWe­may­verify­the­non-Wells­Fargo­Accounts­that­you­add­to­the­Transfer­Service.­You­authorize­us­to­validate­the­non-Wells­Fargo­Accounts­in­a­manner­selected­by­us,­including­through­the­use­of­a­test­transfer,­in­which­one­or­ more­low­value­payments­is­credited­to­and­debited­from­your­non-Wells­Fargo­Account.­Once­the­test­transfer­is­complete­we­may­ask­you­to­access­this­non-Wells­Fargo­Account­to­tell­us­the­amount­of­the­test­credit­or­debit­ or­any­additional­information­reported­by­your­Financial­Institution­with­this­test­transfer.­We­may­also­verify­ non-Wells­Fargo­Accounts­by­requiring­you­to­submit­proof­of­ownership­of­such­Account(s).

7(c). AccountsBy­using­the­Transfer­Service,­you­represent­and­warrant­to­us­that:• You­own­or­are­an­Authorized­Signer­on­the­Account­held­with­us­and­at­the­non-Wells­Fargo­Financial­Institution;• Your­Account­at­the­non-Wells­Fargo­Financial­Institution­is­a­United­States­account;• Your­Account­and­applicable­law­permit­transfers;• When­transferring­funds­to­and­from­a­Wells­Fargo­affiliate­brokerage­Account,­the­non-Wells­Fargo­Account­is­a­

checking­or­savings­account­and­is­not­a­brokerage­or­other­type­of­financial­account;• You­have­the­right­to­authorize­and­permit­us­to­access­your­Accounts­to­complete­such­fund­transfers­or­for­any­

other­purpose­authorized­by­this­Section;• By­disclosing­to­us­and­authorizing­us­to­use­Account­information­and­complete­the­transfer­you­are­not­violating­

any third party rights; and• Information­you­provide­to­us­is­true,­current,­accurate,­and­complete.

You­authorize­and­permit­us­to­use­information­you­submit­to­make­transfers­and­to­configure­the­Transfer­Service­to­be­compatible­with­the­Accounts.­

At­all­times­your­relationship­with­each­non-Wells­Fargo­Financial­Institution­is­independent­of­Wells­Fargo­and­your­use­of­the­Transfer­Service.­We­will­not­be­responsible­for­any­acts­or­omissions­by­the­non-Wells­Fargo­Financial­Institution,­including­any­modification,­interruption,­or­discontinuance­of­any­Account­by­such­Financial­Institution­or­by­any­other­third­party,­or­any­fees­(including­overdraft)­that­the­non-Wells­Fargo­Financial­Institution­may­charge­you­during­the­validation­process­described­in­Section­7(b)­above.

Not­all­types­of­accounts­are­eligible­for­Transfer­Service.­We­may­decline­the­use­of­any­Account­that­we­believe­may­present­a­risk­to­you­and/or­us.­Be­sure­to­check­with­your­Financial­Institution­for­restrictions­regarding­transfers­among­your­retirement­(401(k),­IRA,­etc.),­savings,­trusts,­loans,­custodial,­business,­corporate,­and­other­account­types.­

7(d). Transfer Types and LimitationsType of Transfers.­We­may­add­new­features­to­the­Transfer­Service,­including­a­next­day­service­and­a­higher­limit­service.­You­will­be­approved­or­declined­for­any­such­additional­service­at­our­sole­discretion­and­additional­terms­and­conditions­may­apply.­We­may­at­any­time­decline­a­fund­transfer­that­we­believe­may­violate­applicable­law­or­regulation.

Frequency of Transfers. We­do­not­limit­the­number­of­fund­transfers­you­may­make;­however,­the­account­agreement­for­the­relevant­Account­may­provide­transfer­limits.­For­security­and­risk­management­reasons­we­may­modify­the­limit,­the­frequency,­and­the­dollar­amount­of­transfers­you­can­make­using­our­Transfer­Service.­The­limits­on­the­frequency­and­dollar­amount­of­transfers­are­solely­for­the­protection­of­Wells­Fargo.

Wells Fargo Online Access Agreement | 22

Dollar Amount of Transfers.­You­may­not­make­fund­transfers­in­excess­of­dollar­limits­for­the­Transfer­Service.­We­reserve­the­right­to­change­the­dollar­amount­of­fund­transfers­you­are­permitted­to­make­using­our­Transfer­Service.­In­the­event­that­your­use­of­the­Transfer­Service­has­been­suspended­and­reinstated­as­provided­below­(see­Section­7(g)­Suspension,­Reinstatement,­and­Termination),­you­understand­and­agree­that­your­use­of­the­Transfer­Service­thereafter­may­be­subject­to­lower­dollar­amount­limitations­than­would­otherwise­be­permitted­by­us.Transfers subject to the Rules of the Accounts. All­fund­transfers­are­subject­to­the­rules,­laws,­and­regulations­governing­the­relevant­Accounts.­You­may­not­initiate­any­fund­transfers­from­or­to­an­Account­that­are­not­allowed­under­the­rules,­laws,­or­regulations­applicable­to­such­Account­including­rules,­laws,­or­regulations­designed­to­prevent­the­transfer­of­fund­in­violation­of­the­Office­of­Foreign­Asset­Control­(OFAC)­regulations.

Failure or Rejection of Transfers.­Upon­learning­that­the­fund­transfer­could­not­be­completed,­we­may,­but­are­not­required­to,­make­a­reasonable­effort­to­complete­the­transfer­again.­If­the­fund­transfer­fails,­we­will­notify­you­to­contact­your­non-Wells­Fargo­Financial­Institution­to­learn­more­about­the­failure.

We reserve the right to decline: (i) any fund transfer, (ii) to submit fund transfer instructions or orders, or (iii) to carry out­change­or­cancellation­requests.

You­represent­and­warrant­to­us­that­you­have­enough­money­in­the­non-Wells­Fargo­Accounts­to­make­any­funds­transfer­you­request­that­we­make­on­your­behalf­through­the­Transfer­Service.­If­we­receive­a­transfer­request­against­your­Account­and­there­are­not­enough­available­funds­in­your­Account­to­cover­the­transfer,­we­may­at­our­sole discretion:• Cover­the­transfer­in­accordance­with­the­terms­of­any­written­overdraft­protection­plan­that­you­and­we­

have established;• Cover­the­transfer­and­create­an­overdraft­to­your­Account;­or• Decline­the­transfer.

We­may­make­this­decision­regardless­of­whether­we­may­have­previously­honored­or­dishonored­overdrafts.­Fees­may­vary­depending­on­the­action­we­take.­Any­negative­balance­on­an­Account­with­Wells­Fargo­is­immediately­due­and­payable,­unless­we­agree­otherwise­in­writing,­and­you­agree­to­reimburse­us­for­the­costs­and­expenses­(including­attorney­fees­and­expenses)­we­incur­in­recovering­the­negative­balance­(including­overdraft­and­associated­fees).

Your Right to Cancel a Transfer.­Payments­that­are­in­process­cannot­be­cancelled­or­stopped.­When­the­Transfer­Service­offers­recurring­and/or­future­one-time­transfers,­you­may­cancel­any­transfer­as­long­as­we­receive­the­request­before­the­process­date­of­the­one-time­transfer­or­the­next­scheduled­recurring­transfer.­For­recurring­transfers,­you­may­cancel­only­the­next­scheduled­transfer­or­the­entire­recurring­transfer­schedule.­After­the­entire­recurring­transfer­schedule­is­cancelled,­all­future­transfers­will­be­cancelled­and­you­must­reschedule­it­if­you­want­transfers­to­be­made­in­the­future.­

You­may­cancel­a­transfer­by­logging­on­to­the­Transfer­Service­or­by­contacting­us­at­Wells­Fargo­Online­Customer­Service at 1-800-956-4442.

7(e). AuthorizationYou­agree­that­your­transfer­instructions­are­the­authorization­for­us­to­complete­the­fund­transfer.­You­authorize­us­to­select­any­means­to­execute­your­fund­transfer­instructions,­such­as­the­Automated­Clearing­House­(ACH),­wire­transfer,­or­check.­You­will­be­bound­by­the­rules,­laws,­and­regulations­that­govern­the­applicable­fund­transfer­systems,­such­as­CHIPS,­ACH­rules­as­published­by­the­National­Automated­Clearinghouse­Association­(Nacha),­ or­Article­4A­of­the­Uniform­Commercial­Code.

We­will­make­all­reasonable­efforts­to­process­your­transfer­requests­in­a­timely­manner;­however,­we­reserve­the­right­to­hold­funds­pending­settlement­or­for­such­period­of­time­as­we­deem­necessary,­in­our­sole­discretion,­to­cover­

Wells Fargo Online Access Agreement | 23

items­which­may­be­returned­unpaid.­For­Wells­Fargo­Accounts,­any­interest­earned­on­such­funds­during­the­hold­period­will­remain­the­property­of­Wells­Fargo.­For­brokerage­Accounts­at­a­Wells­Fargo­affiliated­broker-dealer,­any­interest­will­remain­in­the­brokerage­Account.

To­complete­your­fund­transfer­we­may­utilize­ACH­transfers,­which­will­result­in­a­debit­to­one­of­your­Accounts­and­a­credit­to­another­of­your­Accounts.­All­Wells­Fargo­ACH­transfers­go­through­a­Wells­Fargo­transfer­account.­For­ACH­debit­entries­(which­debit­your­other­Account­and­credit­your­Wells­Fargo­Account),­Wells­Fargo­Bank­typically­holds­funds­for­3­–­4­Business­Days­to­make­sure­that­the­item­will­not­be­returned­unpaid­before­we­will­credit­your­Account.­ The­hold­times­may­vary­for­brokerage­accounts­at­a­Wells­Fargo­affiliated­broker-dealer.­If­the­ACH­transaction­is­returned­for­any­reason­and­the­payment­has­been­credited­to­your­Account,­you­authorize­us­to­debit­your­Account,­in whole­or­in­part,­for­the­amount­of­the­returned­item­and­for­any­returned­item­fee.

7(f). Transfer Service Charges Depending­on­the­type­of­transfer­or­the­type­of­Wells­Fargo­Account­we­may­charge­fees­for­the­use­of­the­Transfer­Service,­and­for­any­additional­services­or­features­that­we­may­introduce.­We­will­notify­you­of­such­charge­in­advance­of­the­transaction.­If­you­choose­to­proceed­with­the­transaction,­you­authorize­us­to­debit­your­Account­in­the­amount­indicated.­You­agree­to­pay­all­fees­associated­with­the­use­of­the­Transfer­Service.­See­online­Fee Information for more information­about­potential­fees.

7(g). Suspension, Reinstatement, and TerminationWithout­limiting­any­other­right­or­remedy­that­we­may­have­under­this­Agreement­or­otherwise,­we­reserve­the­right­to­suspend­your­right­to­use­the­Transfer­Service,­immediately­and­without­prior­notice­to­you,­if­we­incur­a­problem­with­your­use­of­the­Transfer­Service.­We­may­do­so­if,­for­example,­there­is­a­failure­in­attempting­to­debit­any­of­your­Accounts­or­to­collect­any­of­your­fund­transfers­as­described­above.­You­understand­and­agree­that­such­action­is­reasonable­for­us­to­take­in­order­to­protect­Wells­Fargo­from­loss.­In­the­event­of­such­suspension,­you­may­request­reinstatement of your service by contacting us at 1-800-956-4442.

In­our­sole­discretion,­we­may­grant­or­deny­reinstatement­of­your­use­of­the­Transfer­Service.­If­we­agree­to­reinstate­you,­we­may­initially­reinstate­your­Transfer­Service­subject­to­lower­per-transaction­and­monthly­dollar­limits­and/or­with­other­restrictions.­Based­upon­your­subsequent­usage­of­the­Transfer­Service,­we­may­restore­your­ability­to­complete­transfers­subject­to­such­higher­limits­as­may­then­be­in­effect.

Subject­to­applicable­law­or­regulation,­we­may­terminate­your­right­to­use­the­Transfer­Service­at­any­time­and­for­any­reason,­including­if­in­our­sole­judgment­we­believe­you:• Engaged in conduct or activities that violate any of the terms of this Agreement or our rights; or• Provided­us­with­false­or­misleading­information;­or• Interfered­with­other­users­or­the­administration­of­the­Transfer­Services.­

7(h). Account Number PolicyIf­the­instructions­for­a­transfer­under­the­Transfer­Service­identify­a­bank­or­beneficiary­by­name­and­account­number,­we­or­the­relevant­Financial­Institution­may­execute­those­instructions­by­reference­to­the­account­number­only,­even­if­the­account­number­does­not­correspond­to­the­name.­You­agree­that­neither­we­nor­the­relevant­Financial­Institution­will­have­responsibility­to­investigate­discrepancies­between­names­and­account­numbers.

7(i). Your Responsibility for ErrorsWe­must­rely­on­the­information­you­provided,­and­you­authorize­us­to­act­on­any­instruction,­which­has­been­or­reasonably­appears­to­have­been­sent­by­you­or­your­Authorized­Representative,­to­submit­fund­transfer­instructions­on­your­behalf.­Financial­Institutions­receiving­the­fund­transfer­instructions­may­rely­on­such­information.­We­are­not­obligated­to­take­any­further­steps­to­confirm­or­authenticate­such­instructions­and­will­act­on­them­without­getting­further­confirmation.­

Wells Fargo Online Access Agreement | 24

If­you­or­your­Authorized­Representative­provide­us­with­incorrect­information­or­if­there­is­any­error­in­your­instruction­we­will­make­all­reasonable­efforts­to­reverse­or­delete­such­instructions,­but­you­accept­full­responsibility­for­losses­­resulting­from­any­of­your­errors,­duplication,­ambiguities,­or­fraud­in­the­information­that­you provide.­If­any­information­you­­provide­is­untrue,­inaccurate,­not­current,­or­incomplete,­without­limiting­other­remedies,­we­may­recover­from­you­any­costs­or­losses­incurred­as­a­direct­or­indirect­result­of­the­inaccurate­or­incomplete­information.We are not responsible for errors, delays, and other problems caused by or resulting from the action or inaction of Financial­Institutions­holding­the­non-Wells­Fargo­Account,­unless­otherwise­required­by­law­or­regulation.­Although­we­will­try­to­assist­you­in­resolving­any­such­problems,­you­understand­that­any­such­errors,­delays,­or­other­problems­are­the­responsibility­of­the­relevant­Financial­Institution.­Any­rights­you­may­have­against­a­Financial­Institution­for­such­errors,­delays,­or­other­problems­are­subject­to­the­terms­of­the­agreements­you­have­with­such­Financial­Institution,­including­any­time­limits­during­which­complaints­must­be­made.

Please­see­EFT­Provisions­(Consumers)­in­Section­5­in­this­Agreement­for­terms­and­conditions­that­apply­to­electronic­fund­transfers­that­debit­or­credit­a­consumer­checking,­savings,­or­other­asset­account­and­are­subject­to­Regulation­E.

7(j). Our LiabilityIf­we­do­not­provide­a­fund­transfer­instruction­on­time,­if­we­cause­an­incorrect­amount­to­be­removed­from­an­ Account­or­if­we­cause­funds­from­an­Account­to­be­transferred­to­any­account­other­than­the­Account­specified­in­ the­applicable­fund­transfer­instruction,­we­shall­be­responsible­for­returning­the­improperly­transferred­funds­and/or­for­directing­any­misdirected­funds­to­the­proper­Account.

We­are­not­liable­for­any­costs,­fees,­losses­or­indirect,­special,­or­consequential­damages­of­any­kind­incurred­as­a­result of:• Our­debit­and/or­credit­or­inability­to­debit­and/or­credit­the­accounts­in­accordance­with­your­fund­transfer­

instructions; or• Inaccuracy, incompleteness, or misinformation contained in the information retrieved on the accounts; or• Charges­imposed­by­any­non-Wells­Fargo­Financial­Institution­or­by­applicable­law­or­regulation;­or• Fund­transfer­limitations­set­by­the­non-Wells­Fargo­Financial­Institutions­or­applicable­law­or­regulation;­or• Not­enough­money­in­your­Account­to­make­the­fund­transfer;­or• Transfers­exceeding­the­credit­limit­on­any­applicable­overdraft­line;­or• System­failures­at­a­non-Wells­Fargo­Financial­Institution­and­we­are­unable­to­complete­the­transfer;­or• Third­party­causes,­including­your­non–Wells­Fargo­Financial­Institution.

7(k). SecuritySecurity Procedures. The­Financial­Institution­at­which­your­account­is­maintained­may­contact­us­to­verify­the­content­and­authority­of­fund­transfer­instructions­and­any­changes­to­those­instructions.­In­connection­with­the­Transfer­Service,­we­may­provide­to­that­Financial­Institution­such­information­as­may­be­required­to­verify­the­instructions­and­the­verification­may­constitute­a­valid­security­procedure­under­the­rules­governing­that­Account.

Deviating from Security Procedures. You­permit­us­to­authorize­your­non-Wells­Fargo­Financial­Institution­to­accept­funds­and­transfer­instructions­in­accordance­with­any­authorization­procedures­you­and­such­Financial­Institution­have­agreed­upon,­or­that­we,­on­your­behalf,­and­such­Financial­Institution­have­agreed­upon,­without­verifying­the­instructions­under­the­established­security­procedures,­regardless­of­whether­you­agreed­to­the­security­procedures­or­we­agreed­on­your­behalf.­In­addition,­we­may­authorize­such­Financial­Institutions­to­charge­and­debit­your­Accounts­based­solely­on­these­communications.

Additional Provisions for Business Accounts. The­provisions­in­this­Section­apply­only­to­transfers­to­and/or­from­business­accounts.­You­agree­that­the­password­security­described­in­the­Agreement­and­in­this­Section­sets­forth­security­procedures­for­fund­transfers­that­are­commercially­reasonable.­For­transfer­requests­to­and/or­from­business­accounts,­which­are­subject­to­Article­4A­of­the­Uniform­Commercial­Code­(“UCC­4A”),­you­agree­that­we­are­liable­only­

Wells Fargo Online Access Agreement | 25

for­damages­required­to­be­paid­under­UCC­4A.­In­no­event­will­we­be­liable­for­any­special,­indirect­or­consequential­loss,­damage,­costs­or­expense­of­any­nature,­including­lost­profits,­even­if­we­have­been­informed­of­the­possibility­of­such­damages,­except­as­may­be­required­by­law­or­regulation.­

8. Wells Fargo Mobile® Deposit Service(a). Description

(b). Fees

(c). Types of Checks Eligible for the Mobile Deposit Service, and Other Requirements

(d). Mobile Deposit Funds Availability

(e). Termination

(f). Right to Audit

8(a). DescriptionThe­Wells­Fargo­Mobile­Deposit­Service­(“Mobile­Deposit­Service”)­allows­you­to­make­a­deposit­directly­into­your­ eligible­checking­or­savings­account­using­the­Wells­Fargo­Mobile­app.­Mobile­Deposit­Service­allows­you­to­submit­ photos­of­the­front­and­back­of­your­endorsed,­eligible­check,­which­you­authorize­us­to­then­process.­

Download­the­Wells­Fargo­Mobile­app­on­an­eligible­mobile­device.­Please­refer­to­Supported­Browsers for operating system­requirements.­

Availability­of­the­Mobile­Deposit­Service­may­be­affected­by­your­mobile­carrier’s­coverage­area.­

Some­accounts­are­not­eligible­for­mobile­deposit.­

We­set­limits­on­the­amount­you­can­deposit­via­our­Mobile­Deposit­Service,­which­will­be­shown­for­each­ Eligible­Account.­Mobile­deposit­limits­may­differ­for­each­Eligible­Account.­You­must­comply­with­any­restrictions­or­dollar­limits­on­the­Mobile­Deposit­Service­as­we­may­communicate­to­you­from­time­to­time.­

8(b). FeesThere­currently­are­no­fees­to­use­the­Mobile­Deposit­Service.­We­reserve­the­right­to­charge­a­fee­for­use­of­the­Mobile­Deposit­Service.­We­will­inform­you­of­any­future­fees­to­use­the­Mobile­Deposit­Service­when­legally­required­to­do­so,­and­we’ll­try­to­notify­you­of­material­changes­as­soon­as­possible­even­when­we­are­not­legally­required­to­do­so.­

Note­that­your­mobile­carrier’s­message­and­data­rates­may­apply.­

8(c). Types of Checks Eligible for the Mobile Deposit Service, and Other RequirementsYou­can­deposit­checks­payable­in­U.S.­dollars­and­drawn­at­any­U.S.­bank,­including­personal,­business,­and­most­ government­checks.­Only­checks,­money­orders,­cashier’s­checks,­or­American­Express­traveler’s­checks,­drawn­on­or­payable­at­or­through­a­U.S.­bank,­can­be­transmitted­through­the­Mobile­Deposit­Service.­

Checks­must­be­payable­to,­and­endorsed­by,­the­account­owner­for­the­Eligible­Account,­as­follows:­before­check­photos­are­taken,­the­back­of­the­check­must­be­signed­with­“For­Mobile­Deposit­at­Wells­Fargo­Bank­Only”­written­below­your­signature­(or­if­available,­check­the­box­that­reads:­“Check­here­if­mobile­deposit”).

Wells Fargo Online Access Agreement | 26

Checks­and­other­items­that­are­NOT­eligible­for­the­Mobile­Deposit­Service­include:­international­checks,­U.S.­savings­bonds,­U.S.­postal­money­orders,­remotely­created­checks­(whether­in­paper­form­or­electronically­created),­electronically­created­items­(items­created­electronically­and­not­derived­from­a­paper­check),­convenience­checks­(checks­drawn­against­a­line­of­credit),­non-American­Express­traveler’s­checks,­cash,­checks­that­are­illegible­or­contain­MICR­data­that­is­not­machine-readable,­and­duplicate­checks.

After­depositing­your­check­using­mobile­deposit,­you­must:• Write­“mobile­deposit”­and­the­date­on­the­front­of­your­check.­The­date­should­be­the­month,­day,­and­year­of­

your deposit; and• Securely­store­your­check­for­5­days­after­your­deposit,­and­then­destroy­it.­This­allows­sufficient­time­in­case­the­

original­check­is­required­for­any­reason.

You­are­prohibited­from­duplicate­scanning,­negotiating,­and/or­depositing­the­same­original­paper­checks.­

You­must­also­ensure­that­the­checks­have­not­been­altered,­and­that­the­photos­sent­via­the­Mobile­Deposit­Service­are­an­accurate­depiction­of­the­front­and­back­of­the­original­check­to­be­deposited.­

You­are­responsible­for­any­numerical­errors­on­deposit­data­entry.­

8(d). Mobile Deposit Funds Availability Subject­to­the­conditions­for­eligibility,­checks­are­deemed­accepted­for­deposit­on­the­Business­Day­that­we­ process­the­check,­as­long­as­the­check­is­deposited­prior­to­the­cut-off­time.­Please­see­the­Mobile­Deposit­FAQs for­further­information.­

Some­checks­can­take­longer­to­process,­so­we­may­need­to­hold­some­or­all­of­the­deposit­for­a­little­longer.­If­a­hold­is­applied­at­the­time­of­deposit­to­any­portion­of­your­deposit,­you’ll­receive­notification­from­us,­including­when­funds­will­be­available,­prior­to­submitting­your­deposit­and­you­can­cancel­your­deposit­at­that­time.­Note­that­there­could­be­other­holds­on­funds­after­a­deposit.­In­such­case,­you­will­receive­notification­from­us.­Please­see­your­deposit­ account­agreement­for­further­information.­

You’ll­know­that­your­deposit­is­available­when­the­amount­appears­online­in­the­available­balance­of­the­Eligible­ Account­you­selected­when­you­submitted­your­mobile­deposit.­This­balance­may­not­reflect­all­of­your­transactions,­such­as­checks­you­have­written­or­debit­card­transactions­that­have­been­approved­but­not­yet­submitted­for­ payment­by­the­merchant.

8(e). TerminationWe­may­terminate­the­Mobile­Deposit­Service­at­any­time.­You­may­stop­using­the­Mobile­Deposit­Service­at­any­time.­However,­any­image­transmitted­through­the­Mobile­Deposit­Service­shall­be­subject­to­this­Agreement.

8(f). Right to AuditWe­may­periodically­audit­and­verify­your­compliance­with­this­Section­or­for­any­other­reason­in­connection­with­the­Mobile­Deposit­Service.­You­agree­to­cooperate­and­provide­information­or­documents­at­your­expense­as­may­be­reasonably­requested­by­us­in­the­course­of­such­audit.

Wells Fargo Online Access Agreement | 27

9. Alerts(a). Description

(b). Alert Delivery Timing

(c). Terminating Alerts

(d). Acknowledgements

9(a). DescriptionWells­Fargo­may­automatically­send­you­certain­alert­messages­via­email,­text­message,­push­notification,­and/or­by­other­means,­including­to­your­mobile­device.­These­messages­may­include­notifications­about­potential­fraud­on­your­accounts,­debit­card­or­credit­card,­recent­account­activity,­or­changes­to­your­online­profile.­You­can­opt­not­to­receive­push­notifications­by­turning­off­push­notifications­on­your­Wells­Fargo­Mobile­app.­

Wells­Fargo­also­offers­a­subscription­based­Alerts­Service­(“Alerts­Service”)­you­can­opt-in­to­through­Wells­Fargo­Online­or­Wells­Fargo­Mobile­for­your­Eligible­Account(s).­You­can­sign­up­for­messages­that­may­include­notifications­of­account­activity,­balances,­card­activity,­and­other­information,­such­as­payment­reminders.­When­you­sign­up­for­the­Alerts­Service,­you­may­choose­to­receive­eligible­alerts­through­(as­available)­email­message(s),­text­message(s),­push­notification(s),­and/or­by­other­means.­You­may­modify­your­Alerts­Service­preferences­or­choose­to­discontinue­receiving­alerts­by­updating­your­alerts­subscriptions­through­the­Service.

9(b). Alert Delivery TimingReceipt­of­any­of­the­alerts­we­send,­whether­they­are­automatic­alerts­or­from­the­Alerts­Service,­may­be­delayed­or­prevented­by­factor(s)­affecting­your­internet/phone­provider­or­other­circumstances.

Wells Fargo is not liable for losses or damages arising from:• Non-delivery,­delayed­delivery,­or­erroneous­delivery­of­any­alert.• Inaccurate­alert­content.• Your­use­or­reliance­on­the­contents­of­any­alert­for­any­purposes.

The­information­in­any­alert­may­be­subject­to­certain­delays.

Wells­Fargo­sends­push­notifications­to­devices­on­which­the­Wells­Fargo­Mobile­app­is­frequently­used.­To­ ensure­continued­delivery­or­resume­delivery­of­push­notifications,­log­on­to­the­Wells­Fargo­Mobile­app­on­your­ device­frequently.

9(c). Terminating AlertsWells­Fargo­may­terminate­or­change­your­use­of­the­Alerts­Service­at­any­time­without­notice.­We­may­also­change,­modify,­or­cancel­either­the­content­or­the­delivery­method­of­any­automatic­alerts.

9(d). Acknowledgements You­acknowledge­and­agree­that:• Alerts­may­not­be­sent­encrypted,­and­may­include­your­name­and­information­pertaining­to­your­account(s).• You­may­not­modify,­change,­or­alter­the­content­of­any­alert­message­that­we­send­to­you.

Wells Fargo Online Access Agreement | 28

10. Account Activity Insights(a). Description

(b). Use and Termination of Account Activity Insights

(c). Account Activity Insights Delivery Timing

10(a). DescriptionWells­Fargo­may­utilize­Account­Activity­Insights­technology­to­look­at­credit­and­debit­payments,­other­banking­transactions,­account­balances,­and­services­used­to­make­suggestions­based­on­this­data.­You­may­receive­Account­Activity­Insights­while­logged­in­to­wellsfargo.com,­via­email,­or­by­other­means.

10(b). Use and Termination of Account Activity Insights­Account­Activity­Insights­is­offered­at­Wells­Fargo’s­sole­discretion­and­may­be­terminated­without­notice.

10(c). Account Activity Insights Delivery TimingWells Fargo isn’t liable for losses or damages arising from:• Non-delivery,­delayed­delivery,­or­wrong­delivery­of­Account­Activity­Insights.• Inaccurate­Account­Activity­Insights­content.• Your­use­or­reliance­on­the­contents­of­Account­Activity­Insights­for­any­purposes.

The­information­in­Account­Activity­Insights­may­be­subject­to­certain­delays.

11. Online Statements and Documents(a). Description

(b). Eligible Accounts

(c). Enrollment

(d). Check Images

(e). Access

(f). Portfolio by Wells Fargo®

(g). Year-end Tax Reporting Documents

(h). Terminating Online Statements and Documents

11(a). DescriptionMany­account­documents­—­including­statements,­tax­documents,­and­legal­notices­—­can­be­delivered­online­for­certain­Eligible­Accounts­and­Online­Financial­Services.­You­have­the­option­to­view,­save,­or­print­PDF­versions­of­your­account­documents­from­the­Website­via­desktop,­tablet,­or­mobile­device.

Any­legal­notices­or­disclosures­about­your­Eligible­Account­or­Online­Financial­Service­that­would­normally­accompany­your­paper­account­statement,­or­that­we­would­mail­to­you,­may­be­delivered­to­you­electronically.­In­some­cases,­we­must­continue­to­mail­paper­statements,­legal­notices,­and­disclosures­even­if­you­elect­to­receive­them­electronically.­Wells­Fargo­is­not­responsible­for­statement­non-delivery­if­you­do­not­maintain­a­valid­email­address­as­described­in­Section­11(c).

We’ll­email­you­to­notify­you­that­a­statement­is­available­and­you­can­view,­print,­and/or­save­at­your­convenience.­By­requesting­that­bills,­statements,­or­other­communications­from­us­be­sent­to­you­electronically,­you­warrant­that­you­have­the­right,­power,­and­authority­to­receive­them­electronically.

Wells Fargo Online Access Agreement | 29

We­may­offer­you­additional­options/preferences­for­delivery­of­various­communications­related­to­your­Eligible­Accounts­or­Online­Financial­Services.­The­following­is­a­brief­description­of­the­various­features­of­and­requirements­for­using­online­statements­and­documents.­We­may­add­to,­modify,­or­delete­any­feature­of­online­statements­and­documents­at­our­sole­discretion.

11(b). Eligible AccountsMost­Eligible­Account­statements­and­documents­can­be­delivered­online.­You­can­determine­online­statement­ eligibility by signing on to the Website.

11(c). EnrollmentOnline statements and documents are available for certain Eligible Accounts or Online Financial Services if you have completed­enrollment­in­the­Service­and­provided­us­with­a­valid­email­address.­Once­enrolled,­we­will­send­you­an­email­notice­(as­described­in­Section­9(a))­notifying­you­when­your­statement­or­document­is­available­on­the­Website.­To­ensure­that­you­continue­to­receive­such­email­notifications,­you­must­notify­us­of­any­changes­or­updates­to­your­email­address.­We­may­revoke­your­online-only­statement­and­document­option­and­change­your­delivery­preference­to­U.S.­Mail­if­you­don’t­maintain­a­valid­email­address.

Delivery­preferences­can­be­changed­by­any­account­owner­or­Authorized­Representative,­and­the­new­delivery­­preference­will­apply­to­all­owners­or­Authorized­Representatives­of­that­account.

Depending­on­the­Eligible­Account­or­Online­Financial­Service,­one­or­more­of­the­following­may­be­true:• Many­Eligible­Accounts­and­Online­Financial­Services­automatically­come­with­online-only­delivery­for­statements­

and­documents.­This­means­you­will­no­longer­receive­paper­statements­and­documents,­unless­required­by­law­or­regulation.­You­can­change­your­delivery­preference­back­to­U.S.­Mail­at­any­time.

• For­Eligible­Accounts­or­Online­Financial­Services­that­don’t­automatically­come­with­online-only­delivery,­you­can­choose­online-only­delivery­for­that­Eligible­Account­or­Online­Financial­Service.

11(d). Check ImagesFor­deposit­accounts,­you­may­view­online­images­of­the­individual­checks­posted­to­your­account.­If­you­currently­receive­an­account­statement­with­check­images­in­paper­format,­once­you­choose­online-only­statements­and­documents,­you­will­no­longer­receive­the­check­images­as­part­of­the­statement.­You­can­ask­us­to­mail­a­photocopy­of­a­cancelled­check­to­you­(additional­fees­may­apply).

11(e). AccessYou­can­access­your­online­statements­and­documents­(including­legal­notices­and­disclosures)­on­the­Website.

Statements­are­available­online­for­up­to­a­maximum­of­seven­years,­depending­on­the­type­of­account­enrolled.­Statements­for­some­types­of­Eligible­Accounts­or­Online­Financial­Services­are­available­for­shorter­time­frames.­If­you­didn’t­choose­online-only­delivery­when­the­account­was­first­opened,­there­may­be­a­gap­in­the­historical­statements­available­online­for­some­types­of­Eligible­Accounts­or­Online­Financial­Services.

For­some­types­of­Eligible­Accounts­or­Online­Financial­Services,­there­may­be­a­delay­of­up­to­several­weeks­after­enrollment­before­you­can­start­viewing­statements­and­documents­online.­You­can­still­request­historical­account­statements­(fees­may­apply);­please­refer­to­the­applicable­account­agreement­and­disclosures­for­details.

If­you­close­your­account,­your­online­statements­and­documents­for­that­account­will­be­available­for­viewing,­­downloading,­or­saving­for­approximately­90­days­after­the­date­of­closure.­You­can­still­request­historical­account­statements­(fees­may­apply);­please­refer­to­the­applicable­account­agreement­and­disclosures­for­details.

Wells Fargo Online Access Agreement | 30

11(f). Portfolio by Wells Fargo®For­Portfolio­by­Wells­Fargo­customers,­only­the­owners­or­Authorized­Representative(s)­of­the­primary­checking­account­in­the­Portfolio­by­Wells­Fargo­program­(Program­Owners)­will­have­access­to­the­entire­online­combined­statement.

Other­account(s)­may­be­linked­to­the­Portfolio­by­Wells­Fargo­program­in­either­a­Detail­Level­Format­or­Summary­ Level Format, as available:• If­Detail­Level­Format­—­all­information­regarding­the­linked­account­will­be­included­in­the­combined­Portfolio­by­

Wells­Fargo­statement­in­detail.­A­standalone­online-only­account­statement­will­be­created­for­the­linked­account.• If­Summary­Level­Format­—­account­information­will­be­included­in­the­combined­Portfolio­by­Wells­Fargo­

statement­in­summary­and­a­standalone­account­statement­will­be­created­for­the­linked­account­and­delivered­based­on­that­account’s­delivery­preference.

• The­owners­of­the­Portfolio­by­Wells­Fargo­primary­checking­account,­as­well­as­any­additional­owners­of­linked­accounts­are­responsible­for­verifying­the­accuracy­of­the­account­information.

11(g). Year-end Tax Reporting DocumentsOnline­year-end­tax­documents­may­be­available­to­customers­with­certain­account­types­who­are­enrolled­in­the­Service­and­provide­a­valid­email­address­for­the­Service.­You­don’t­have­to­complete­a­separate­enrollment­process­to­view­your­tax­documents­online.­This­option­is­available­regardless­of­whether­we­also­mail­your­paper­tax­documents.

You­are­entitled­to­receive­paper­versions­of­your­tax­documents­by­U.S.­Mail.­By­selecting­Online­as­your­Delivery­ Preference,­you­are­consenting­to­receive­those­tax­documents­electronically­instead.­Please­make­note­of­the­ following­important­information:• Your­consent­applies­to­all­the­tax­documents­you­have­designated­for­Online­delivery.­The­consent­for­each­form­

designated­will­remain­in­effect­for­every­year­that­form­is­required­to­be­furnished­until­the­consent­is­withdrawn­in­the­manner­provided­below.­Tax­documents­will­remain­available­to­you­online­until­at­least­October­15­of­the­year­in­which­they­are­delivered­for­Eligible­Accounts­(except­for­closed­accounts,­as­provided­in­Sections­3(d)­and­11(e)­of­this­Agreement).­

• You­may­withdraw­your­consent­to­electronic­delivery­by­changing­your­delivery­preferences­back­to­U.S.­Mail­from­the delivery preference section of the Website, by calling customer service at 1-800-956-4442,­24­hours­a­day,­7­days­a­week­(Wells Fargo Advisors accounts call 1-877-879-2495),­or­in­writing­to­Wells­Fargo­Bank,­N.A.,­PO­Box­4132,­Concord­CA­94518-4917.­Note­that­Delivery­Preference­changes­will­be­reflected­immediately­on­the­ Website­but­may­take­up­to­two­Business­Days­to­take­effect.­Depending­on­timing,­delivery­preference­changes­for­tax­documents­may­not­take­effect­for­the­upcoming­tax­season.­

• For­Brokerage,­certain­tax­forms,­5498­and­Fair­Market­Value­information­related­to­your­accounts,­may­be­ delivered­as­part­of­your­monthly­account­statement.­If­you­agree­to­Online­delivery­for­monthly­account­ statement­documents,­you­also­agree­to­online­delivery­for­these­documents.

• You­will­receive­confirmation­via­email­of­any­change­to­your­Delivery­Preference.­Should­you­change­your­ Delivery­Preference­to­U.S.­Mail,­this­email­will­be­the­written­confirmation­of­your­withdrawal­of­consent­to­ electronic­delivery.

• You­may­obtain­a­paper­copy­of­any­tax­document­we­deliver­electronically­by­calling­customer­service­at­ 1-800-956-4442,­24­hours­a­day,­7­days­a­week;­or­for­Wells Fargo Advisors accounts, please contact your Financial Advisor or call 1-877-879-2495.­Requesting­a­paper­copy­of­your­electronically-delivered­tax­document­does­not­change­your­Delivery­Preference­or­withdraw­your­consent­to­electronic­delivery.

• Tax­documents­will­no­longer­be­delivered­to­you­electronically­if­you­close­the­related­account­or­end­your­online­banking­relationship­with­us.

You­may­update­your­contact­information­and­email­address­within­the­“Update­Contact­Information”­section­found­on­the­Website.­To­change­the­email­address­associated­with­your­brokerage­notifications,­once­you­have­changed­your­email,­then­go­to­the­delivery­preference­section­found­within­the­website.

Wells Fargo Online Access Agreement | 31

Wells­Fargo­Online­Technical­Requirements­describes­in­detail­the­hardware­and­software­you­need­to­access­and­print­your­tax­documents.­In­summary,­you­will­need:• A­current­version­of­an­internet­browser­we­support,• A­current­version­of­a­program­that­accurately­reads­and­displays­PDF­files­(such­as­Adobe­Acrobat­Reader),­and• A­computer­and­an­operating­system­capable­of­supporting­all­of­the­above.

You­will­also­need­a­printer­if­you­wish­to­print­out­and­retain­records­on­paper,­and­electronic­storage­if­you­wish­to­retain­records­in­electronic­form.

We­always­reserve­the­right­to­communicate­with­you­in­writing­using­U.S.­Mail,­regardless­of­what­other­options­you­have­chosen.

11(h). Terminating Online Statements and DocumentsWe may terminate Online delivery of statements and documents to you for one or more Eligible Accounts or Online­Financial­Services,­without­notice.­As­provided­in­Section­11(c)­of­this­Agreement,­we­may­revoke­your­ online-only­statement­and­document­option­and­change­your­delivery­preference­to­U.S.­Mail­if­you­don’t­maintain a­valid­email­address.

12. Using Financial Management Software(a). Description

(b). Online Banking and Bill Pay Access

(c). Fees for Online Banking Access and Bill Pay with Financial Management Software

(d). Bill Pay with Financial Management Software

(e). Disclaimers and Acknowledgements

12(a). DescriptionFinancial­Management­Software­includes:­Quicken®,­QuickBooks®­Desktop­Software,­and­other­software­we­may­identify­on­the­Website.­You­are­responsible­for­obtaining­a­valid­and­separate­license­agreement­with­the­provider­ of­your­Financial­Management­Software.­Your­license­agreement­with­the­provider­of­your­Financial­Management­Software­may­restrict­the­duration­of­your­online­access;­we­aren’t­liable­for­any­such­limitations­or­restrictions.

12(b). Online Banking and Bill Pay AccessWe­may­choose­to­let­you­download­information­into­your­Financial­Management­Software­from­certain­Eligible­Accounts.­We­may­also­let­you­initiate­Bill­Pay­instructions­through­your­Financial­Management­Software.­The­Eligible­Accounts­for­which­these­options­are­available­will­be­identified­on­the­Website.­We­may­also­add­to,­modify,­or­delete­any­feature­of­your­ability­to­access­the­Service­through­your­Financial­Management­Software.

12(c). Fees for Online Banking Access and Bill Pay with Financial Management SoftwareService­fees­may­apply­to­your­use­of­your­Financial­Management­Software­to­connect­to­the­Service­and­for­accessing­Bill­Pay.­Please­see­software­fees­for­more­information.­

Your­internet,­telephone,­and/or­mobile­device­service­provider­may­assess­other­fees­and­bill­them­separately.

We’ll­designate­a­Wells­Fargo­billing­account­(your­“Billing­Account”)­from­which­the­fees­will­be­paid.­When­you­start­using­your­Financial­Management­Software,­you’re­authorizing­us­to­charge­your­Billing­Account­for­the­fees.­If­you­close­your­current­Billing­Account,­we­reserve­the­right­to­designate­a­Billing­Account.­If­you­would­like­to­update­your­Billing Account, please contact us at 1-800-956-4442.

Wells Fargo Online Access Agreement | 32

If­you­close­all­your­Eligible­Accounts,­we’ll­suspend­and/or­terminate­your­access­through­your­Financial­Management­Software.­For­information­on­which­accounts­are­eligible,­please­contact­us­at­1-800-956-4442.­Important­note­for­Quicken­and­QuickBooks­users:­If­you­enroll­in­the­service­prior­to­the­24th­of­the­month,­you­will­be­billed­for­the­first­time­that­month.­If­you­enroll­in­the­service­on­or­after­the­24th­of­the­month,­you­will­be­billed­for­the­first­time­the­following­month.­The­monthly­service­fee­to­access­Online­Banking­through­Quicken­or­QuickBooks­is­not­prorated.­If­you­choose­to­cancel­your­service­mid-cycle,­a­charge­for­the­entire­month­will­be­assessed­and­you­will­have­access­for­the­remainder­of­the­month.

12(d). Bill Pay with Financial Management SoftwareIf­you’re­enrolled­in­and­use­the­Bill­Pay­service­through­your­Financial­Management­Software,­you­may­use­the­service­to­pay­any­merchant­or­individual­in­the­U.S,­and­may­also­use­it­to­make­payments­for­any­bank­mortgage,­installment­loan,­credit­card,­or­line­of­credit­account.

You­must­designate­through­your­software­an­Eligible­Account­from­which­bill­payments­may­be­made­(your­“Funding­Account”).­You­may­designate­more­than­one­Funding­Account.

Bill­Pay­payments­made­via­your­Financial­Management­Software­are­NOT­covered­by­Wells­Fargo’s­Bill­Pay­ Payment­Guarantee.

All­payments­made­using­the­Bill­Pay­service­with­Financial­Management­Software­should­be­made­at­least­four­Business­Days­in­advance­of­the­due­date,­so­the­payee/merchant­can­credit­your­account­in­time­to­avoid­any­late-payment­charges­or­penalties.­Each­Business­Day­has­a­cut-off­time­for­bill­payments;­payments­made­after­the­cut-off­time­or­on­Saturdays,­Sundays,­or­federal­holidays­will­be­made­the­next­Business­Day.

12(e). Disclaimers and AcknowledgementsYou­understand­and­agree­that,­with­regard­to­your­use­of­Financial­Management­Software­to­use­the­Service­or­ Bill Pay:• The­Eligible­Account­information­you­download­through­your­Financial­Management­Software­is­provided­to­you­

“as­is”­and­“as­available.”• We­make­no­warranties­and­have­no­liability­as­to:

- ­Your­access­and­use­of­your­Financial­Management­Software­according­to­the­terms­and­conditions­of­any­and­ all­applicable­license­agreements­with­the­providers­of­such­Software;

- ­The­accuracy,­completeness,­availability,­or­timeliness­of­the­Eligible­Account­information,­text,­graphics,­ or­other­items­in­the­Eligible­Account­information­that­you­can­download­through­your­Financial Management­Software;

- T­he­errors­or­omissions­in­the­delivery­or­transmission­of­the­Eligible­Account­information­from­us­to­you­(and “you”­includes­delivery­to­your­Financial­Management­Software­and/or­your­computer);­and

- The­download­option’s­fitness­for­a­particular­purpose­and­non-infringement­of­any­third­party­rights.• Payments­to­the­following­types­of­Payees­may­be­scheduled­through­the­Service­via­your­Financial­Management­

Software,­however­such­payments­are­discouraged­and­are­scheduled­by­you­at­your­own­risk;­except­as­otherwise­provided­by­law­or­regulation­(including,­to­the­extent­applicable,­the­protections­described­in­Section­5­relating­ to­EFTs­for­Consumer­accounts),­in­no­event­will­we­be­liable­for­any­claims­or­damages­that­may­result­if­you­schedule­payments­to­the­following­payees:­

1.­ Payees­outside­of­the­United­States,­including­Canada;Payees­to­U.S.­Territories;

3.­ Tax­payments;4.­ Government­agencies,­or

2.­

5.­ Court-ordered­payments­(such­as­child­support­payments­or­traffic­tickets).­

Wells Fargo Online Access Agreement | 33

• All­research­and­resolution­for­any­misapplied,­misposted,­or­misdirected­payments­will­be­your­sole­responsibility,­except­as­otherwise­provided­by­law­or­regulation­(including,­to­the­extent­applicable,­the­protections­described­in­Section­5­relating­to­EFTs­for­Consumer­accounts).

• We­have­no­duty­to­monitor­the­online­transfers­or­payments­that­you­make.­You­assume­the­entire­risk­of­ using­the­Service­properly­to­ensure­that­funds­are­transferred­and­bills­are­paid­properly­and­timely.­We­won’t­be­responsible­for­any­charges­imposed­or­any­other­action­taken­by­a­payee/merchant­resulting­from­a­bill­payment­that­you­have­not­scheduled­properly,­including­any­applicable­finance­charges­and­late­fees.­In­addition,­we­won’t­be­liable­if­any­third­party­through­whom­any­bill­payment­is­made­fails­to­transmit­the­payment­or­the­payment­instruction­properly­to­the­intended­payee/merchant,­or­if­the­merchant/payee­or­its­bank­fails­to­transmit­a­ payment­instruction­or­record­a­bill­payment­properly.

• In­using­the­Financial­Management­Software,­you­understand­that­payees­and/or­the­U.S.­Postal­Service­may­ return­payments­for­various­reasons­including,­payee’s­forwarding­address­expired;­payee’s­account­number­is­ not­valid;­payee­is­not­available­to­locate­account;­or­payee’s­account­is­paid­in­full.­We­will­use­reasonable­efforts­ to research and correct the returned payment and return it to your payee, or void the payment and credit your­account.

• Your­Financial­Management­Software­may­provide­the­option­of­disabling­selected­features­of­the­Service.­To­ disable­any­feature­of­the­Service,­you­MUST­contact­us­by­calling­1-800-956-4442­with­your­notification.

• You­understand­that­some­states­do­not­allow­limitations­on­how­long­an­implied­warranty­lasts,­so­that­the­above­limitations­may­not­apply­to­you,­and­that­you­may­also­have­other­rights,­which­vary­from­state­to­state.

Unless­otherwise­provided­by­law­or­regulation­(including,­to­the­extent­applicable,­the­protections­described­in­ Section­5­relating­to­EFTs­for­Consumer­accounts),­you­agree­that­we­won’t­be­liable­to­you­for:• Your­inability­to­use­the­download,­transfer­and/or­bill­pay­option;• The accuracy, timeliness, loss or corruption, or misdelivery of any Eligible Account information, transfer, bill

payment, or any other information;• Unauthorized­access­to­your­Eligible­Accounts­or­to­your­account­information­and­any­misappropriation,­or­

alteration,­of­your­account­information­or­data,­to­the­extent­the­unauthorized­access­results­from­your­acts­ or omissions;

• Your­inability­to­access­your­Eligible­Account­(including,­failure­of­electronic­or­mechanical­equipment,­ interconnect­problems­with­telephone­providers­or­internet­service­providers­(“ISPs”),­natural­disasters,­strikes,­ or other labor problems); or

• Any­other­matter­relating­to­the­download,­transfer­or­bill­pay­option.

You­understand­and­agree­that:• Not­all­the­information­in­your­Eligible­Accounts­can­be­downloaded­into­your­Financial­Management­Software.• Information­you­can­download­may­not­include­all­of­your­account­activity.• Statements­we­generate­are­the­official­record­of­account­transactions,­positions,­and­balances;­the­information­

you­download­is­for­tracking­purposes­only­and­should­not­be­considered­an­official­record.• Account­information­won’t­necessarily­reflect­banking,­financial,­or­investment­activities­and­transactions­that­

have­not­yet­been­completed­or­settled,­and­will­only­reflect­the­account­information­in­your­Eligible­Accounts­at­the­exact­point­in­time­that­you­download­the­information­(for­example,­trades­that­have­not­yet­been­settled­may­not­be­reflected).

• Account­information­in­your­Eligible­Accounts­may­reflect­transactions­as­of­a­prior­time­period­and­may­not­be­current­when­you­download­the­information.

• We­won’t­automatically­update­account­information­that­you­download­to­your­Financial­Management­Software.­You­will­have­to­update­the­Eligible­Account­information­by­downloading­more­current­information­from­your­ accounts­(for­example,­stock­prices,­and/or­the­value­of­the­investments­we­hold­in­your­brokerage­account,­may­be­reflected­at­the­prices­at­the­close­of­the­prior­trading­day­and­not­at­the­current­prices).

Wells Fargo Online Access Agreement | 34

• Eligible­Account­information­may­include­information­you­provided­to­us­(for­example,­cost­or­tax­basis­ information­for­securities­we­have­transferred­into­your­brokerage­account);­you’re­solely­responsible­for­the­ accuracy­of­this­information.

• We­aren’t­liable­for­any­loss,­damages,­or­expenses­of­any­kind­as­a­result­of­your­reliance­upon­the­Eligible­Account­information­in­your­Financial­Management­Software­(which­may­not­be­up­to­date­and­may­not­include­pending­transactions­such­as­a­stock­sales­or­purchases­that­haven’t­settled).

• You­assume­all­risk­that­unauthorized­third­parties­may­access­any­Eligible­Account­information­you­download­and­store­in­your­Financial­Management­Software.

• If­you­send­information­in­an­unsecure­manner­or­take­the­Eligible­Account­information­out­of­our­secure­systems­by­downloading­it,­we’re­no­longer­responsible­for­the­security­and­confidentiality­of­that­information,­and­the­responsibility­is­now­yours­(or­may­be­shared­with­others,­such­as­your­Financial­Management­Software­provider).

• We­aren’t­responsible­for­the­security­and­confidentiality­of­the­Eligible­Account­information­if­you:- ­Use­wireless­connections­to­download­your­account­information,­in­which­case­you­acknowledge­other­persons­

may­be­able­to­access­the­information­being­downloaded;­or- Let­others­access­or­use­your­Financial­Management­Software.

• Downloads­of­Eligible­Account­information­are­at­your­own­risk.­You­are­solely­responsible­for­any­resulting­ damage­to­the­computer­(or­other­electronic­device)­to­which­you­download­any­information.

13. Third-Party Software and Content(a). Description

(b). Disclaimers and Acknowledgements

13(a). DescriptionThird-Party Software.­We­may­offer­third-party­software­tools­and­products­(“Third-Party­Software”)­that­you­can­install­on­your­computer.­You­are­responsible­for­obtaining­a­valid­and­separate­license­agreement­with­the­provider­of­the­Third-Party­Software.

Third-Party Content. We­may­offer­information,­commentary,­and­tools­supplied­by­companies­not­affiliated­with­ us­(“Third-Party­Content”).­Third-Party­Content­on­the­Website­is­labeled­as­such,­and­may­be­available­either­in­a­frame,­via­a­hyperlink,­or­simply­posted­to­the­Website.­We­don’t­own­any­interest­in,­edit,­review­or­endorse­any­Third-Party­Content.

13(b). Disclaimers and Acknowledgements You­understand­and­agree­that:• Any­Third-Party­Software­you­download­through­your­Financial­Management­Software­is­provided­to­you­“as­is”­

and­“as­available.”• Any­Third-Party­Content­you­review­or­use­is­provided­to­you­“as­is.”• We­won’t­be­liable­to­you­for:

- ­Your­inability­to­access­or­use­the­Third-Party­Software.- ­The­accuracy,­timeliness,­loss­or­corruption,­or­misdelivery­of­any­Eligible­Account­information­or­any­other­

information­processed­by­the­Third-Party­Software.- ­Unauthorized­access­to­your­Eligible­Accounts­or­to­your­account­information­and­any­misappropriation,­or­

alteration,­of­your­account­information­or­data­as­a­result­of­your­installation­or­use­of­the­Third-Party­ Software,­except­as­otherwise­provided­by­law­or­regulation­(including,­to­the­extent­applicable,­the­ protections­described­in­Section­5­relating­to­EFTs­for­Consumer­accounts).

Wells Fargo Online Access Agreement | 35

• You­assume­all­risk­that­unauthorized­third­parties­may­access­any­Third-Party­Software­you­download­and­install,­or­any­information­you­enter­into­the­Third-Party­Software.

• If­you­use­the­Third-Party­Software­to­transmit­information,­you­and­the­Third-Party­Software­provider­are­ responsible­for­the­security­and­confidentiality­of­that­information.

• Any­Third-Party­Software­downloads­are­your­own­risk­and­you­alone­are­responsible­for­any­resulting­damage­to­the­computer­or­other­electronic­device,­as­well­as­for­any­loss­or­corruption­of­data­that­might­occur­as­a­result.

• You­are­solely­responsible­for­acquiring­and­maintaining­a­computer­or­other­electronic­device­that­can­handle­and­access­the­Third-Party­Software,­including­any­necessary­equipment­such­as­a­modem,­and­that­you’re­responsible­for­all­costs­associated­with­accessing­the­Third-Party­Software.

You­further­agree­that­we­make­no­warranties­and­have­no­liability­as­to:• The­accuracy,­completeness,­availability,­or­timeliness­of­the­information,­text,­graphics,­or­other­items­provided,­

stored,­evaluated,­or­processed­through­the­Third-Party­Software­or­Third-Party­Content;• Any­errors­or­omissions­in­the­delivery­or­transmission­of­the­Third-Party­Software­or­Third-Party­Content­from­us­

to­you­(and­“you”­includes­delivery­to­your­Financial­Management­Software­and/or­your­computer);­and• The­Third-Party­Software’s­or­Third-Party­Content’s­fitness­for­a­particular­purpose­and­non-infringement­of­any­

third-party­rights.

You­understand­that­some­states­do­not­allow­limitations­on­how­long­an­implied­warranty­lasts,­so­that­the­above­limitations­may­not­apply­to­you,­and­that­you­may­also­have­other­rights,­which­may­vary­from­state­to­state.

14. Fees(a). Fees for Eligible Accounts and Online Financial Services

(b). Payment

14(a). Fees for Eligible Accounts and Online Financial ServicesCertain­fees­in­connection­with­an­Eligible­Account­or­Online­Financial­Service­may­apply­when­using­the­Service,­ and­are­separately­disclosed­in­the­specific­agreements­for­an­Eligible­Account­and/or­on­our­Website­under­Fee Information,­unless­otherwise­described­in­this­Agreement.­

Your­internet,­telephone,­and/or­mobile­device­service­provider­may­assess­other­fees­and­bill­them­separately­to­you.

14(b). PaymentUnless­otherwise­agreed,­you­may­have­to­designate­an­account­at­Wells­Fargo­to­pay­fees­for­Eligible­Accounts­and­Online­Financial­Services­(your­“Payment­Account”).­You­authorize­us­to­charge­your­Payment­Account­for­the­fees.

If­you­close­your­current­Payment­Account,­you­must­notify­us­to­designate­a­new­deposit­account­that­will­be­your­Payment­Account.­In­addition,­you­must­cancel­your­Online­Financial­Services­by­notifying­us­at­1-800-956-4442 or the­phone­number­located­on­your­statement.

Wells Fargo Online Access Agreement | 36

15. Security(a). Description

(b). Usernames and Passwords

(c). Protecting Your Security

15(a). DescriptionYou­need­a­username­and­password,­or­other­Wells­Fargo­approved­security­and­authentication­controls,­to­access­ your­Eligible­Accounts­and­Online­Financial­Services­through­the­Service.­We­may­set­standards­for­your­username­ and­password.­We­recommend­that­you­change­your­password­regularly,­and­select­a­unique­username­and­password­combination­for­use­only­with­the­Service.

We­may­also­require­additional­security­procedures­for­certain­transactions.­These­additional­security­procedures­ may­require­special­hardware,­software­or­third-party­services.­To­enhance­the­security­of­your­Eligible­Accounts­and­Online­Financial­Services,­we­may­also­offer­you­additional,­optional­security­procedures.­These­could­include­personal­reference­questions­and­answers,­random­number­generators,­or­one-time­passwords.

We­may­also­require­the­use­or­activation­of­specific­applications,­internet­browser­software­features,­plug-ins­and­add-ons,­to­use­the­Service.­These­could­include­JavaScript­support­and­“cookies.”

To­enable­and­enhance­secure­access­to­the­Service,­we­may­also­access­detailed­information­about­the­computers­and­Mobile­Devices­you­use­to­access­the­Service.­This­could­include­telephone­numbers­and­unique­internal­and­network­identifiers­for­your­computers­and­Mobile­Devices.­We­also­use­cookies­and­other­technology­for­information­security­and other purposes, as described in our Digital­Privacy­and­Cookies­Policy.

15(b). Usernames and PasswordsUsernames­and­passwords­must­meet­the­standards­we­establish.­These­standards­will­be­available­for­your­reference­whenever­you­create­or­change­a­username­and/or­password.­We­may­require­you­to­change­or­update­your­username­and/or­password­at­any­time,­including­to­meet­any­new­standards­we­may­establish.­You­are­responsible­for­keeping­your­password­confidential.­We­recommend­you­select­a­unique­username­and­password­combination­for­use­only­with­the­Service,­and­memorize­it­rather­than­writing­it­down.

You­can­change­your­username­and/or­password­within­the­Service­or­by­calling­1-800-956-4442 (1-877-879-2495 for­Wells­Fargo­Advisors­accounts).

15(c). Protecting Your SecurityEven­though­information­exchanged­through­the­Service­is­protected­by­advanced­encryption­techniques­while­being­transmitted,­you­still­need­to­protect­your­username­and­password­for­the­Service.

You­must­notify­us­immediately­if­you­suspect­fraudulent­activity­on­your­Eligible­Account­or­if­you­believe­that:• Your­password­may­have­been­lost­or­stolen.• A­Mobile­Device­you­use­to­access­the­Service­has­been­lost,­stolen­or­compromised.• Someone­viewed,­downloaded,­or­deleted­electronic­records­from­your­Eligible­Account­or­Online­Financial­Service­

without­your­permission.

Wells Fargo Online Access Agreement | 37

To notify us:• Call 1-800-956-4442­anytime,­24­hours­a­day,­seven­days­a­week;­or• Write­to­Wells­Fargo­Bank,­N.A.­PO­Box­4132,­Concord,­CA­94518-4917.

In­the­event­of­unauthorized­use­of­your­username­and­password,­or­any­other­security­or­authentication­technique­we­use,­you­may­be­liable­for­resulting­losses,­to­the­extent­permitted­by­law­or­regulation.­

16. Privacy and Use of Information(a). Description

(b). Acknowledgements and Agreements

16(a). DescriptionWe­treat­your­data­in­accordance­with­Wells­Fargo­Privacy­Notices.­

Your­use­of­the­Service­is­subject­to­the­Wells­Fargo­Digital­Privacy­and­Cookies­Policy.­By­accessing­or­using­the­ Service, you understand and agree that Wells Fargo may collect and retain information about you or the device you use to­access­the­Service.

You­authorize­your­wireless­operator­to­disclose­your­mobile­number,­name,­address,­email,­network­status,­customer­type,­customer­role,­billing­type,­mobile­device­identifiers­(IMSI­and­IMEI),­and­other­subscriber­and­device details, if available, to Wells Fargo and service providers for the duration of the business relationship, solely for identity­verification­and­fraud­avoidance.­See­our­Privacy­Notice­for­how­we­treat­your­data.­You­represent­that­you­are­the­owner­of­the­mobile­phone­number­or­have­the­delegated­legal­authority­to­act­on­behalf­of­the­mobile­subscriber­to­provide­this­consent.

16(b). Acknowledgements and AgreementsYou­agree­that:• We­may­collect­and­retain­certain­information­and­use­that­information­to­market­our­products­and­services­to­

you.­You­can­change­your­privacy preferences online or call 1-888-528-8460.­If­your­relationship­with­us­is­only­as­a­participant­in­an­employer-sponsored­retirement­or­deferred­compensation­plan,­we­won’t­treat­this­paragraph­as­authorizing­us­to­market­our­products­and­services­to­you.

• If­you­access­the­Service,­or­use­an­Online­Financial­Service,­we­may­track­and­record­your­geographic­location.­• We may use automated processes to detect any use of the Service that violates the terms of this Agreement or

any­applicable­law­or­regulation.• You­will­receive­your­annual­privacy­notices­on­our­Website­and­the­availability­of­the­privacy­notices­on­the­

Website­constitutes­actual­notice­of­the­contents­of­the­privacy­notices.­

17. Additional Responsibilities You­agree­that:• You­are­responsible­for­actions­taken­by­anyone­using­the­Service­after­signing­in­with­your­username­and­

password,­or­any­other­Wells­Fargo­approved­authentication­control,­except­as­otherwise­provided­by­law­or­ regulation.­We­are­entitled­to­rely­and­act­upon­instructions­received­under­your­username­and­password.

• You­are­responsible­for­keeping­your­username­and­password­confidential.• You­are­responsible­for­ensuring­that­you­have­signed­off­from­the­Service­when­your­session­is­complete­to­

prevent­unauthorized­persons­from­using­the­Service.• You­are­responsible­for­ensuring­your­computer­operating­system,­software,­browser­version,­plug-ins,­and­

anti-virus­software­are­all­current­and­up-to-date.

Wells Fargo Online Access Agreement | 38

• You­are­responsible­for­ensuring­that­you­have­a­valid­email­address­and­phone­number­at­all­times.• You­will­be­the­only­user­of­your­username­and­password,­and­that­you­won’t­transfer­or­disclose­any­of­this­

information­to­any­other­person.• You­will­be­responsible­for­all­usage­of­the­Service­and­any­fees­associated­with­use­of­other­services­accessed­

through­the­Service­on­your­Eligible­Account,­whether­or­not­authorized­by­you,­except­as­otherwise­provided­by­law­or­regulation­(including,­to­the­extent­applicable,­the­protections­described­in­Section­5­relating­to­EFTs­for­Consumer­accounts).

• You­will­immediately­notify­us­at­1-800-956-4442 or the phone number located on your statement to report any actual­or­suspected­unauthorized­use­of­your­username­or­password.

• You­will­provide­true,­accurate,­current,­and­complete­information­about­yourself­as­requested.• You­will­not­misrepresent­your­identity.• You­will­not­use­the­Service­for­unlawful­purposes,­or­purposes­that­are­not­permitted­expressly­or­implicitly,­by­the­

terms­of­this­Transfer­Service­or­by­any­applicable­law­or­regulation.• You­will­comply­with­all­rules,­policies,­and­procedures­of­networks­through­which­you­access­and­use­the­Service.• You­will­not­use­the­Service­in­a­way­that­disrupts,­damages,­disables,­overburdens,­interferes,­or­impairs­the­

Service,­the­networks­through­which­you­access­or­use­the­Service,­or­with­any­other­party’s­use­of­the­Service.• You­will­not­access­or­attempt­to­access­any­Service­account­for­which­you­have­no­access­authorization,­or­

duplicate,­modify,­distribute,­or­display­any­of­the­data­or­files­from­any­such­account.• You­will­be­responsible­for­and­provide­all­computer,­telephone,­and­other­equipment,­software­(other­than­any­

software­provided­by­us),­and­services­necessary­to­access­the­Service.• You­will­not­obtain­or­attempt­to­obtain­any­materials­or­information­through­any­means­not­intentionally­made­

available­or­provided­for­through­the­Service.­

18. Disclaimers(a). Disclaimer of Warranties

(b). Limits on Liability and Obligations

(c). Indemnification

18(a). Disclaimer of WarrantiesTo­the­fullest­extent­permitted­by­law­or­regulation,­we­make­no­warranties­of­any­kind­for­the­Service,­either­express­or­implied,­including­implied­warranties­of­merchantability­or­fitness­for­a­particular­purpose.

We­do­not­warrant­that­the­Service­will­be­uninterrupted­or­error­free,­that­defects­will­be­corrected,­or­that­our­ Website­that­makes­the­Service­available­is­free­of­viruses­or­other­harmful­components.

18(b). Limits on Liability and ObligationWells­Fargo­and­its­officers,­directors,­shareholders,­parents,­subsidiaries,­affiliates,­agents,­licensors,­or­third-party­service providers are not liable for any:• Consequential­(including­loss­of­data,­files,­profit,­or­goodwill­or­the­costs­of­procurement­of­substitute­goods­or­

service)­damages.• Indirect­damages.• Incidental­damages.• Special­damages.• Punitive­damages.

This­is­true­whether­these­damages­occur­in­an­action­under­contract,­or­from­negligence­or­any­other­theory,­arising­out­of,­or­in­connection­with,­this­Agreement,­the­Service,­or­the­inability­to­use­the­Service.

Wells Fargo Online Access Agreement | 39

In addition to reasons such as scheduled system maintenance, damages could arise from circumstances beyond our control,­even­if­we­advise­you­of­the­possibility­of­such­damages.­These­circumstances­could­include:• Power­outages.• System­failures.• Fires.• Floods.• Natural­disasters.• Extreme­weather.• Cyber-attacks,­including­Denial­of­Service­(DoS).

Wells­Fargo­won’t­be­liable­for­any­failure­of­availability­or­performance­due­to­scheduled­system­maintenance­or­circumstances­beyond­our­control­(such­as­power­outage,­computer­virus,­system­failure,­fire,­flood,­earthquake,­or­extreme­weather).

In states that prohibit the limitation of liability for consequential or incidental damages, the above limitations may not­apply.

Except­as­specifically­provided­in­this­Agreement­or­otherwise­required­by­applicable­law­or­regulation,­we,­our­service­providers­or­other­agents,­also­won’t­be­liable­for:• Any­loss­or­liability­you­may­incur­resulting­wholly­or­partly­from­failure­or­misuse­of­your­equipment­or­software­

provided­by­an­external­company­(such­as­an­internet­browser­provider,­an­internet­access­provider,­an­online­ service­provider­or­an­agent­or­subcontractor­of­any­of­them).

• Any­direct,­indirect,­special­or­consequential,­economic,­or­other­damages­arising­in­any­way­from­your­access/use/failure­to­obtain­access­to­the­Service.­Wells­Fargo­does­not­make­any­representation­that­any­content­or­use­of­the­Service­is­appropriate­or­available­for­use­in­locations­outside­of­the­continental­United­States,­Alaska,­ or­Hawaii.

We­won’t­be­obligated­to­honor,­in­whole­or­in­part,­any­transaction­or­instruction­that:• Is­not­in­accordance­with­any­term­or­condition­of­this­Agreement­or­any­other­agreement­that­applies­to­the­

relevant­Online­Financial­Service­or­Eligible­Account.• We­have­reason­to­believe­may­not­be­authorized­by­you­or­any­other­person­whose­authorization­we­

believe­necessary.• We have reason to believe involves funds or other property subject to a hold, dispute, restriction, or legal process

we­believe­prevents­the­transaction­or­instruction.• Would­violate­any­applicable­provision­of­any­risk­control­program­of­the­Federal­Reserve,­the­Office­of­the­

Comptroller­of­the­Currency,­or­any­applicable­rule­or­regulation­of­any­other­federal­or­state­regulatory­authority.• Is­not­in­accordance­with­any­other­requirement­of­our­policies,­procedures,­or­practices.• We­have­other­reasonable­cause­not­to­honor­for­our­or­your­protection.

18(c). IndemnificationExcept­where­we’re­liable­under­the­terms­of­this­Agreement­or­another­agreement­governing­the­applicable­ Eligible­Account­or­Online­Financial­Service,­you­agree­to­indemnify,­defend,­and­hold­us,­our­affiliates,­officers,­ directors,­employees,­consultants,­agents,­service­providers,­and­licensors­harmless­from­any­and­all­third-party­ claims,­liability,­damages,­obligations,­demands,­charges,­expenses,­and/or­costs­(including­reasonable­attorney’s­ fees) arising from:• A­third-party­claim,­action,­or­allegation­of­infringement,­misuse,­or­misappropriation­based­on­information,­data,­

files,­or­other­content­or­materials­you­submit­to­us.• Any­fraud,­manipulation,­or­other­breach­of­this­Agreement­or­the­Service.• Your­violation­of­any­other­applicable­laws,­regulations,­or­rights­of­a­third­party,­including­rights­of­privacy,­

publicity,­or­other­property­rights.• The­provision­of­the­Service­or­use­of­the­Service­by­you­or­any­third­party.

Wells Fargo Online Access Agreement | 40

• Any­negligent­or­intentional­act­or­omission­by­you­in­the­performance­of­your­obligations­under­this­Agreement.• The­violation­of­any­applicable­law,­statute,­or­regulation­in­the­performance­of­your­obligations­under­

this­Agreement.• Any­breach­of­a­representation,­warranty,­covenant,­or­obligation­contained­in­this­Agreement.­

We­reserve­the­right­to­defend/control­(at­our­own­expense)­any­matter­otherwise­subject­to­indemnification­by­you.­In­such­a­case,­you­will­cooperate­with­us­in­asserting­any­available­defenses.­You­won’t­settle­any­action­or­claims­on­our­behalf­without­our­prior­written­consent.

You­are­providing­this­indemnification­without­regard­to­whether­our­claim­for­indemnification­is­due­to­the­use­of­the­Service­by­you,­your­Authorized­Representative­or­your­Delegate.

19. Dispute Resolution Program: Waiver of Class Action Rights and Arbitration Provisions

(a). Description

(b). Non-judicial Dispute Resolution

(c). Definition of Disputes

(d). Binding Arbitration and Waiver of Class Action Rights

(e). Rights Preserved

(f). Miscellaneous

(g). Fees and Expenses

(h). Small Claims Court

19(a). DescriptionThis­Section­constitutes­the­arbitration­agreement­between­you­and­us,­and­includes­a­mutual­waiver­of­class­action­rights.­It­governs­disputes­about­the­following,­which­are­known­as­“Covered­Disputes”:• Interpretation­of­this­Agreement­(which­includes­this­arbitration­agreement­and­whether­a­disagreement­is­a­

“dispute”­subject­to­binding­arbitration­as­provided­for­in­this­arbitration­agreement).• The­Service.• The­Online­Access­Process.• Online­Financial­Services­(“Covered­Disputes”).

This­Section­does­not­cover­the­following­disputes:• Disputes­about­Eligible­Accounts­that­are­brokerage­accounts.­These­are­governed­by­the­Pre-Dispute­Arbitration­

Agreement­and­governing­law­provisions­contained­in­the­brokerage­account­agreement­document,­which­takes­precedence­over­this­Section.

• Disputes­arising­under­any­separate­agreement­governing­your­other­Eligible­Accounts.­These­are­governed­by­the­dispute­resolution­and­governing­law­provisions­of­that­agreement,­which­also­take­precedence­over­this­Section.

19(b). Non-judicial Dispute ResolutionYou­and­we­agree­that­any­Covered­Disputes­between­or­among­you­and­us,­regardless­of­when­it­arose,­will,­upon­demand­by­either­you­or­us,­be­resolved­by­the­arbitration­process­described­in­Section­(d)­below.­You understand and agree that you and we are each waiving the right to a jury trial or a trial before a judge in a public court.

As­an­exception­to­this­Arbitration­Provision,­we­both­retain­the­right­to­pursue­disputes­in­small­claims­court­in­the­state­where­you­reside­if­the­dispute­lies­within­that­court’s­jurisdiction.

Wells Fargo Online Access Agreement | 41

19(c). Definition of DisputesA­dispute­is­any­unresolved­disagreement­between­or­among­you­and­us.­Disputes­include:• Claims­based­on­broken­promises­or­contracts.• Torts­(injuries­caused­by­negligent­or­intentional­conduct)­or­other­wrongful­actions.• Statutory,­common­law,­and­equitable­claims.• Any­disagreement­about­the­meaning­of­this­Arbitration­Provision.• Whether­a­disagreement­is­a­“dispute”­subject­to­binding­arbitration­as­provided­for­in­this­Arbitration­Provision.

19(d). Binding Arbitration and Waiver of Class Action RightsBinding­arbitration­lets­an­independent­third­party­resolve­a­Covered­Dispute­without­using­the­court­system,­judges,­or­juries.­Either­you­or­we­may­require­the­submission­of­a­Covered­Dispute­to­binding­arbitration­at­any­reasonable­time,­even­if­a­lawsuit­or­other­proceeding­has­begun.­If­either­you­or­we­don’t­submit­to­binding­arbitration­following­a­lawful­demand,­the­one­who­fails­to­so­submit­bears­all­costs­and­expenses­(including­attorney’s­fees­and­expenses)­incurred­by­the­other­in­compelling­arbitration.

Neither you nor we will be entitled to:• Join, consolidate, or combine Covered Disputes by or against others in any arbitration; or• Include in any arbitration any Covered Dispute as a representative or member of a class; or• Act in any arbitration in the interest of the general public or in a private attorney general capacity.

Each­arbitration,­including­the­selection­of­the­arbitrator,­will­be­administered­by­the­American­Arbitration­Association­(“AAA”)­or­such­other­administrator­as­you­and­we­may­mutually­agree­to­(the­AAA­or­such­other­mutually­agreeable­administrator­to­be­referred­to­here­as­the­“Arbitration­Administrator”),­according­to­the­Commercial­Arbitration­Rules­and­the­Consumer­Arbitration­Rules­(“AAA­Rules”).

To­the­extent­that­there­is­any­variance­between­the­AAA­Rules­and­this­Arbitration­Provision,­this­Arbitration­Provision­will­control.­Arbitrator(s)­must­be­a­member­of­the­state­bar­where­the­arbitration­is­held,­with­expertise­in­the­substantive­laws­applicable­to­the­subject­matter­of­the­Covered­Dispute.

You­and­we­each­agree­that­in­this­relationship:• You­and­we­are­participating­in­transactions­involving­interstate­commerce.• The­Arbitrator­will­decide­any­dispute­regarding­the­enforceability­of­this­Arbitration­Provision.• Each­arbitration­is­governed­by­the­provisions­of­the­Federal­Arbitration­Act­(Title­9­of­the­United­States­

Code)­and,­to­the­extent­any­provision­of­that­Act­is­inapplicable,­unenforceable,­or­invalid,­the­laws­governing­ the­relationship­between­you­and­us­about­which­the­Covered­Dispute­arose.

To­find­out­how­to­initiate­arbitration,­please­call­any­office­of­the­AAA­or­visit­the­AAA­Website­at­www.adr.org.­If­ any­of­the­provisions­of­this­arbitration­agreement­dealing­with­class­action,­class­arbitration,­private­attorney­general­action,­other­representative­action,­joinder,­or­consolidation­is­found­to­be­unlawful­or­unenforceable,­that­invalid­ provision­shall­not­be­severable­and­this­entire­arbitration­agreement­shall­be­unenforceable.

19(e). Rights PreservedThis­Arbitration­Provision­and­the­exercise­of­any­of­the­rights­you­and­we­have­under­this­Arbitration­Provision­do­not­stop­either­of­us­from­exercising­any­lawful­rights­to­use­other­remedies­available­to:• Preserve,­foreclose,­or­obtain­possession­of­real­or­personal­property.• Exercise­self-help­remedies,­including­setoff­and­repossession­rights.• Obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment, or court appointment

of­a­receiver­by­a­court­having­jurisdiction.• Enforce­your­rights­under­section­502­of­the­Employee­Retirement­Income­Security­Act­of­1974.

Wells Fargo Online Access Agreement | 42

19(f). MiscellaneousYou­and­we­each­agree­to­take­all­steps­and­execute­all­documents­necessary­for­the­implementation­of­arbitration­proceedings.­The­arbitrator­may­hear­and­rule­on­appropriate­dispositive­motions­as­part­of­the­arbitration­proceeding,­such­as­motions­for­judgments­on­the­pleadings,­summary­judgment,­or­partial­summary­judgment.

All­parties­(the­AAA,­the­arbitrators,­you­and­we)­must,­to­the­extent­feasible,­take­any­action­necessary­to­ensure­that­an­arbitration­proceeding,­as­described­in­this­Arbitration­Provision,­is­completed­within­180­days­of­filing­the­Covered­Dispute­with­the­AAA.­The­parties­must­not­disclose­the­existence,­content,­or­results­of­the­arbitration,­except­for­disclosures­of­information­required­in­the­ordinary­course­of­business­or­permitted­by­applicable­law­or­regulation.­This­provision­will­be­liberally­construed­to­ensure­the­enforcement­of­this­Arbitration­Provision.

Arbitration­proceedings­are­conducted­in­the­state­where­you­reside­or­at­a­location­determined­by­the­AAA.­All­ statutes­of­limitations­that­apply­to­any­Covered­Dispute­apply­to­any­arbitration­between­you­and­us.

The­provisions­of­this­Arbitration­Provision­will­survive­termination,­amendment,­or­expiration­of­your­Account­ relationship,­the­governing­Agreement­or­any­other­relationship­between­you­and­us.

This­Arbitration­Provision­constitutes­the­entire­agreement­between­you­and­us­and­supersedes­all­prior­ arrangements­and­other­communications­about­dispute­resolution.­If­more­than­one­arbitration­agreement­mutually­entered­into­by­you­and­us­potentially­applies­to­a­Covered­Dispute,­the­one­most­directly­related­to­the­Eligible­ Account­or­transaction­that­is­the­subject­of­the­dispute­will­control.

19(g). Fees and ExpensesArbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable­law.­Please­check­with­the­Arbitration­Administrator­to­determine­the­fees­that­apply­to­any­arbitration­you­may­file.­If­the­law­that­applies­to­this­Agreement­limits­the­amount­of­fees­and­expenses­you­have­to­pay,­then­no­ allocation­of­fees­and­expenses­to­you­shall­exceed­this­limitation.­Unless­inconsistent­with­applicable­law,­each­of­us­shall­bear­the­expense­of­our­own­attorney,­expert,­and­witness­fees,­regardless­of­which­of­us­prevails­in­the­arbitration.

19(h). Small Claims CourtNotwithstanding­anything­in­the­Agreement­to­the­contrary,­each­party­retains­the­right­to­pursue­in­Small­Claims­Court­any­dispute­in­which­the­remedy­sought­is­entirely­within­that­court’s­jurisdiction.

20. Notices and Communications With Us(a). Description

(b). Electronic Delivery

(c). Phone Calls and Text Messages

(d). Communications Sent At Your Request/On Your Behalf

(e). Returned and Unclaimed Notices to You

(f). Contact Information Changes

(g). Complaints, Feedback, and Questions

20(a). DescriptionWe’ll provide notices and other information regarding your Eligible Account, Online Financial Service, or the Service (collectively­“Account-Related­Information”)­electronically,­by­phone,­through­the­mail­(U.S.­Postal­Service­or­overnight­courier),­or­by­other­means,­except­as­expressly­provided­otherwise­in­this­Agreement.­

Wells Fargo Online Access Agreement | 43

We’ll­send­this­information­to­the­electronic­address­(“E-Address”),­phone­number,­or­postal­address­of­the­owner­of­the­applicable­Eligible­Account­or­Online­Financial­Service­as­reflected­in­our­records,­unless­you­specify­a­different­E-address,­phone­number,­or­postal­address.

Any­notice­or­Account-Related­Information­we­send­you­will­be­effective,­and­deemed­delivered­to­you,­when­posted­on­our­Website,­sent­electronically,­mailed,­or­otherwise­made­available­to­you.­You­assume­the­risk­of­loss­in­the­mail­or­other­transit.

If­your­Eligible­Account­has­multiple­owners,­we­may­send­Account-Related­Information­to­any­one­of­them.­The­person­receiving­the­notice­is­responsible­for­providing­copies­of­all­Account-Related­Information­to­all­joint­account­owners,­Delegates,­or­other­persons­with­access­to­the­applicable­Eligible­Account­or­Online­Financial­Service.

Any­notice­you­send­to­us­won’t­be­effective­until­we­actually­receive­it­and­have­a­reasonable­opportunity­to­act­on­it.

20(b). Electronic DeliveryUnless­applicable­law­or­regulation­states­otherwise­or­pursuant­to­the­ESIGN­Consent­to­Use­Electronic­Records­and­Signatures,­when­we­need­to­provide­you­with­information­in­writing,­we­can­send­it­electronically,­either:­• To­your­E-Address­(if­applicable­and­you­have­provided­us­with­a­valid­email­address);­or• By posting the information to our Website; or• To­your­online­banking­secure­mailbox,­or­other­electronic­means.

E-Addresses­include­email­addresses,­other­internet­addresses,­text­messaging­numbers,­or­other­electronic­access­addresses­provided­to­us­in­accordance­with­this­Agreement.­

20(c). Phone Calls and Text MessagesWhen­you­provide­a­phone­number­to­us,­you­agree­that­you­own­or­are­authorized­to­provide­the­telephone­number­to­us.­You­expressly­agree­that­we­may­use­automatic dialing technology and/or artificial or prerecorded voice messages­to­call­you­or­send­text­messages­to­you­on­the­number­you­provided­to­us,­even­if­the­phone­number­is­­registered­to­a­cell­phone­number­or­Voice­over­Internet­Protocol­(VoIP)­service.­To­help­protect­your­account­security,­Wells­Fargo­does­not­support­SMS­or­MMS­functionality­for­recognized­VoIP,­prepaid,­or­landline­phone­numbers.­In­order­to­receive­text­messages­from­Wells­Fargo,­such­as­one-time­passcodes­or­suspicious­activity­alerts,­an­eligible­phone­number­and­mobile­device­are­required.­Your­mobile­carrier’s­message­and­data­rates­may­apply.

You­agree­that­we­may­call­you­and­text­you­to­service­your­accounts,­collect­any­amount­you­may­owe­or­discuss­our­relationship,­products­and­services­with­you,­as­described­in­this­Section.­

20(d). Communications Sent At Your Request/On Your BehalfYou­authorize­us­to­send­emails­and­text­messages­to­others­on­your­behalf,­if­needed­to­carry­out­your­instructions­regarding­an­Eligible­Account­or­Online­Financial­Service.­You­confirm­and­agree­that­you­have­obtained­consent­from­the­person­who­owns­or­is­the­current­subscriber­of­the­email­address­or­phone­number­to­receive­the­communication.­These­communications­may­identify­you­by­name­and­may­state­that­we’re­sending­them­on­your­behalf­and­according­to­your­instructions.

20(e). Returned and Unclaimed Notices to YouUnless­otherwise­prohibited­by­the­laws­or­regulations­governing­your­Eligible­Account­or­Online­Financial­Service,­ this­section­applies­if­Account-Related­Information­documents­are­returned­or­electronic­notifications­are­returned­ as­undeliverable.

This­means­we­can­stop­sending­Account-Related­Information­or­electronic­notifications­to­you­until­you­provide­a­valid­postal­or­valid­email­to­us.

Wells Fargo Online Access Agreement | 44

We may also:• Destroy­Account-Related­Information­sent­to­you­and­returned­to­us­as­undeliverable.• Hold­the­Account-Related­Information­for­your­Account­for­you­to­pick­up.• Stop­sending­the­Account-Related­Information­through­the­current­delivery­method­and­use­an­alternative­

delivery­method.­For­example,­if­we’re­sending­Account-Related­Information­to­you­via­the­U.S.­Postal­Service,­ and­the­information­is­returned­to­us­as­undeliverable­on­two­or­more­occasions,­we­may­attempt­to­deliver­the­information­to­your­E-Address­instead.

• Suspend­access­to­your­Eligible­Accounts­or­Online­Financial­Services.

If­we­hold­Account-Related­Information­for­you­to­pick­up­and­it­remains­unclaimed­for­a­period­of­time,­we­may­send­the­Account-Related­Information­to­the­address­reflected­in­our­records­for­your­Eligible­Account­or­destroy­it.

20(f). Contact Information ChangesYou­agree­to­notify­us­immediately­if­you­no­longer­own­or­you­are­no­longer­authorized­to­use­or­share­your­address,­E-Address,­or­phone­number­you­previously­provided­to­us.­Address­changes­may­be­initiated:• At­your­request­—­you­can­instruct­us­to­change­the­address­or­E-Address­to­which­we­send­notices­or­

Account-Related­Information­about­your­Account­at­any­time.• If­we­get­an­address­change­notice­from­the­U.S.­Postal­Service.• If­another­party­in­the­business­of­providing­correct­address­information­notifies­us­that­the­address­in­our­records­

no­longer­corresponds­to­your­address.

We­may­act­on­instructions­purportedly­made­on­your­behalf­within­a­reasonable­time­after­we­receive­them.

Unless­you­instruct­us­otherwise,­we­may­change­the­U.S.­Postal­Service­address­or­E-Address­only­for­the­account(s)­you­specify,­or­for­all­or­some­of­your­other­account(s)­with­us.

Please­note:­to­change­the­address­associated­with­an­employer-sponsored­retirement­or­deferred­compensation­plan,­follow­the­address-change­procedures­established­by­your­employer­or­plan­administrator.

20(g). Complaints, Feedback, and QuestionsYour­feedback­and­questions­matter.­Share­your­feedback­and­complaints­so­we­can­better­serve­you,­and­contact­us­with­questions.•­ Call­1-844-WF1-CARE­(1-844-931-2273)• Visit us at wellsfargo.com/help/feedback•­ Write­to­us.­For­addresses,­go­to­wellsfargo.com/help/addresses•­ Talk­with­a­banker­at­any­Wells­Fargo­banking­location

For­other­online­servicing­needs,­call­Online­Customer­Service­at­1-800-956-4442.

The­Service­provides­email­forms­for­you­to­ask­questions­or­provide­comments.­You­can­access­these­email­forms­ after­you­sign­on­with­your­password­to­a­secure­session­of­the­Service.­To­ensure­the­security­of­your­Eligible­Account­information,­we­recommend­that­you­use­only­these­email­forms­when­asking­specific­questions­about­covered­ Eligible­Account(s).

The­Service­also­lets­you­securely­communicate­sensitive­or­confidential­information­for­your­Wells­Fargo­Advisors­ accounts.­Use­only­the­secure­messaging­feature­when­sharing­sensitive­or­confidential­account­information­about­ your­Wells­Fargo­Advisors­accounts.

Wells Fargo Online Access Agreement | 45

21. Export Control and International UseThe­U.S.­government­controls­the­export­(including­downloads)­of­products­and­information­containing­encryption­(“Controlled­Technology”)­under­the­Export­Administration­Regulations­(“EAR”).­This­Service­may­contain­Controlled­Technology­subject­to­the­EAR.

In your use of the Service, you agree:• To­access­and/or­download­Controlled­Technology­related­to­the­Service.• Not­to­access­or­download­Controlled­Technology­from­any­country­where­such­access­or­download­is­prohibited­

by­U.S.­export­control­laws­(which­may­include­Cuba,­Iran,­North­Korea,­Sudan,­or­Syria).• That­you’re­not­a­person­or­entity­to­whom­such­access­or­download­is­prohibited.• If­you­access­the­Service­from­locations­outside­the­United­States,­then­you­do­so­at­your­own­risk­and­are­

responsible­for­compliance­with­local­laws.­The­Service­is­hosted­in­the­United­States.­If­you­are­accessing­the­ Service­from­outside­the­United­States­you­may­be­subjecting­yourself­to­United­States­law,­which­may­differ­from­your­local­laws,­including­laws­involving­governing­personal­data­collection,­storage,­deletion,­processing,­use,­and­disclosure.­In­your­use­of­the­Service,­which­is­governed­by­United­States­law,­including­certain­economic­sanctions­laws­and­regulations,­and­this­Agreement,­you­may­transfer­certain­personal­information­to­the­United­States,­you­consent­to­that­transfer,­and­you­consent­to­the­application­of­United­States­law.

22. General Provisions(a). Changes to Agreement

(b). Governing Law

(c). Assignment

(d). Intellectual Property and Other Proprietary Rights

(e). Entire Agreement

(f). Waiver

(g). Failure to Act

(h). Headings

22(a). Changes to AgreementExcept as otherwise required by law, we may in our sole discretion add, delete, or change the terms of this Agreement at any time.

We’ll­inform­you­of­changes­to­the­Agreement­when­legally­required­to­do­so,­and­we’ll­try­to­notify­you­of­material­changes­as­soon­as­possible­even­when­we­are­not­legally­required­to­do­so.­We­will­communicate­such­changes­by­ updating­this­Agreement­on­our­Website,­and­may­also­communicate­such­changes­by­email,­mail,­and/or­providing­notice­of­change­on­our­Website.­

You­or­your­Authorized­Representative’s­continued­use­of­the­Service­after­the­effective­date­of­any­updated­terms­of­the­Agreement­are­posted­on­our­Website­is­an­agreement­by­you­to­any­such­change­to­the­Agreement.­Except­as­otherwise­required­by­law,­any­change­to­this­Agreement­applies­only­to­transactions­that­occur,­or­claims­that­arise,­after­the­change­becomes­effective.­

Changes­to­fees­or­specific­terms­for­Eligible­Accounts­are­governed­by­the­corresponding­specific­agreement­ governing that­Eligible­Account.­

22(b). Governing LawEach­of­your­Eligible­Accounts­and­Online­Financial­Services­will­continue­to­be­read­and­interpreted­according­to­the­laws­described­in­the­agreements­that­you­have­with­us­regarding­those­Eligible­Accounts­or­Online­Financial­Services­(for­example,­your­deposit­account­agreement­or­your­credit­card­agreement­with­us).

Wells Fargo Online Access Agreement | 46

This­Agreement­will­be­read­and­interpreted­according­to­the­laws­of­the­State­of­South­Dakota,­without­regard­to­conflict-of-law­rules.

In­any­legal­action­or­claim­regarding­this­Agreement,­the­prevailing­party­will­be­entitled­to­recover­costs­and­ reasonable­attorney’s­fees.­

22(c). AssignmentWe­may­assign­our­interest­in­this­Agreement­to­Wells­Fargo­&­Company,­its­successors,­or­to­any­now-existing­ or­future­direct­or­indirect­subsidiary­of­Wells­Fargo­&­Company.­However,­you­may­not­assign­or­transfer­this­Agreement.

We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors­or­other­third­parties.

22(d). Intellectual Property and Other Proprietary RightsOther than your personal account information, all content included or available on the Service, such as advertisements, text­graphics,­button­icons,­images,­audio­clips,­and­software,­including­the­collection,­arrangement,­and­assembly­thereof,­is­the­property­of­Wells­Fargo­and/or­third­parties,­and­is­protected­by­the­Copyright­Act­and­international­ treaties­in­addition­to­other­state­and­federal­intellectual­property­laws­(collectively,­the­“Site­Materials”).

The­trademarks,­logos,­and­service­marks­displayed­on­the­Service­(collectively,­the­“Trademarks”)­are­the­registered­ and­unregistered­trademarks­of­Wells­Fargo,­or­third­parties.­You­may­not­use,­copy,­alter,­modify,­or­change­these­Trademarks­or­copy,­display,­distribute,­transfer,­link­to,­reproduce,­license,­frame,­alter,­create­derivative­works­of,­or­republish­all­or­any­portion­of­the­Site­Materials­for­any­commercial­or­public­purpose.­The­Service­does­not­grant­(by­implication­or­otherwise)­any­license­or­right­to­use­any­Trademarks­or­Site­Materials­without­the­express­written­ permission­of­Wells­Fargo,­or­the­third­party­that­has­rights­to­such­Trademarks­or­Site­Materials.

22(e). Entire AgreementIn­combination­with­other­applicable­Wells­Fargo­agreements­as­described­in­Section­1(b)­of­this­Agreement,­this­Agreement­represents­the­agreement­between­you­and­Wells­Fargo­regarding­the­Service.­It­merges­and­supersedes­all­previous­and­contemporaneous­written­or­oral­agreements­and­understandings­regarding­the­subject­of­online­access.

Each­of­the­rules,­terms,­and­conditions­set­forth­in­this­Agreement­stands­alone.­Any­term­or­condition­contained­in­this­Agreement­that­is­inconsistent­with­the­applicable­laws­and­regulations­that­may­govern­the­Service­will­be­deemed­to­have­been­modified­by­us­and­applied­in­a­manner­consistent­with­such­laws­and­regulations.

Unless­stated­otherwise,­if­any­provision­of­this­Agreement­is­held­to­be­invalid­or­otherwise­unenforceable,­the­ remainder­of­the­provisions­will­remain­in­full­force­and­effect,­and­will­in­no­way­be­invalidated­or­otherwise­affected.

22(f). WaiverWe­may­agree­in­writing­(or­otherwise)­to­waive­a­provision­of­this­Agreement,­including­a­fee­(a­“Waiver”).­We­may­revoke­any­Waiver.

22(g). Failure to ActOur­failure­to­act­with­respect­to­a­breach­of­the­Agreement­by­you­or­others­doesn’t­waive­our­right­to­act­with­respect­to­subsequent­or­similar­breaches.

22(h). HeadingsHeadings­are­for­reference­only­and­don’t­define,­limit,­construe,­or­describe­the­scope­or­extent­of­a­Section.

Wells Fargo Online Access Agreement | 47

23. Additional Services and Addenda AgreementsThe­following­addenda­agreements­will­also­apply­if­you­register­for­these­additional­services.

• Zelle® Transfer Service

• Wells Fargo Wire Transfers

• Direct­Pay

• Sender’s­Rights­for­ExpressSend­Transfers

Investment­products­and­services­are­offered­through­Wells­Fargo­Advisors.­Wells­Fargo­Advisors­is­a­trade­name­used­by­Wells­Fargo­Clearing­ Services,­LLC­(WFCS)­and­Wells­Fargo­Advisors­Financial­Network,­LLC,­Members­SIPC¹,­separate­registered­broker-dealers­and­nonbank­affiliates­of­Wells­Fargo­&­Company.

1.­­We­do­not­control­the­website.­Wells­Fargo­has­provided­this­link­for­your­convenience,­but­is­not­responsible­for­the­content,­links,­privacy­policy,­or­security­policy­of­this­website.

QuickBooks­and­Quicken­are­trademarks­of­Intuit­Inc.­registered­in­the­United­States­and­other­countries.­

TurboTax­is­a­trademark­of­Intuit­Inc.­registered­in­the­United­States­and­other­countries.­

Xero­is­a­trademark­of­Xero­Limited.

Zelle­and­the­Zelle­related­marks­are­wholly­owned­by­Early­Warning­Services,­LLC­and­are­used­herein­under­license.

Deposit­products­offered­by­Wells­Fargo­Bank,­N.A.­Member­FDIC.

CAR-0321-04926

LRC-0321

©­2021­Wells Fargo­&­Company.­All­rights­reserved. IHA-6973213