online access agreement - wells fargo
TRANSCRIPT
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
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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
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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.
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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.
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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.
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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.
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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.
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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.
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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
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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.
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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
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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”).
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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.
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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.
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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.
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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.
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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.
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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.
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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).
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• 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).
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• 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).
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• 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.
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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.
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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.
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• 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.
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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.
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• 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.
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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.
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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.
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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.
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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.
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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).
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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.
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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