Consumer Account Fee and Information Schedule What you need to know about your account

Transcription

1 Consumer Account Fee an Information Scheule What you nee to know about your account Effective April 29, 2016

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3 Table of contents Introuction Wors with specific meanings... 2 Banking services available to you... 3 Visit a banking location in person... 3 Wells Fargo Phone Bank SM... 3 Bank By Mail... 3 Monthly fees... 4 Accounts statements an check image options... 5 Checking accounts... 6 Wells Fargo PMA Package Preferre Checking Account Everyay Checking Account Wells Fargo Opportunity Checking Account...20 Wells Fargo Teen Checking SM Account Wells Fargo Worlwie Military Banking Program Savings accounts Wells Fargo Way2Save Savings Account Wells Fargo Opportunity Savings SM Account Wells Fargo Platinum Savings Account Aitional information...27 Savings account statements...28 Regulation D savings account transaction limit an other limite activity Time Accounts (CDs) Fixe Rate Time Account (CD) Step Rate CD Iniviual Retirement Accounts (IRAs) an Eucation Savings Accounts (ESAs) Fixe Rate IRA/ESA Time Account (CD) IRA/ESA Step Rate CD Wells Fargo Way2Save Retirement Account Wells Fargo Retirement High Yiel Savings Account Service fees Glossary Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary i

4 Introuction What you can fin in the booklet In the booklet, you will fin information about your account requirements, features, benefits, an fees. By opening your account, you agree to pay the fees escribe in this booklet. When using your Wells Fargo accounts, you will pay fees for conucting specific transactions an for using specific services. Fees may vary base on the type of account you have, how you use your account, the state where the account was opene, or where a transaction is performe. In aition to listing potential fees for each account in the account information pages, the Service fees section lists other fees associate with services you may use. To help you avoi unexpecte fees, this booklet explains when fees may be charge, an when possible, how to avoi the fee. If you have a question about a fee that this booklet oes not answer, please contact a banker or call TO-WELLS ( ). Changes to your account, services, or fees We may change this booklet at any time. For example, we may a new terms an conitions, or elete or amen existing terms an conitions, incluing fees. If require by law, we will notify you if changes, aitions, or eletions to your account, your fees, or your services occur. 1 Consumer Account Fee an Information Scheule Effective April 29, 2016

5 Introuction Wors use to refer to the account owner, Wells Fargo, an this booklet The account owner is referre to as you, your, or yours. Wells Fargo is referre to as the Bank, we, us, or our. This booklet, the Consumer Account Fee an Information Scheule, is Scheule. The companion booklet, the Consumer Account Agreement, is Agreement. Wors with specific meanings Certain wors have specific meanings an are italicize throughout this booklet. These wors an their meanings are in this section. Authorize signer A person you have authorize to use your account even if they have not signe your signature car or other ocuments. Available balance Your account s available balance is our most current recor of the amount of money available for your use or withrawal For more information, please see the section entitle How o we etermine your account s available balance? in the booklet title Consumer Account Agreement. Business ay Every ay is a business ay except Saturay, Sunay, an feeral holiays Car This term inclues every type of ebit car, check car, an ATM car we may issue. This term oes not inclue any prepai cars Item An item is an orer, instruction, or authorization to withraw or pay funs or money from an account. Examples inclue a check, raft, an an electronic transaction (incluing Automate Clearing House (ACH), an ATM withrawal, an a purchase using a car to access an account). An item also inclues a purporte orer, instruction, or authorization to withraw or pay funs or money from an account, unless otherwise prohibite by law or regulation. Overraft An overraft is a negative balance in your account. Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 2

6 Banking services available to you Visit a banking location in person You can take avantage of our face-to-face service by talking with a banker at one of our many banking locations across the U.S. Visit wellsfargo.com/locator to fin a location near you. Wells Fargo Phone Bank Enjoy the convenience of banking by phone 24/7 with Wells Fargo Phone Bank. You can access your accounts an conuct most of your banking business using our automate telephone banking service. You can also speak with a phone banker for assistance at any time by calling TO-WELLS ( ). Access numbers Wells Fargo accepts Telecommunications Relay Services calls. All customers with consumer accounts TO-WELLS ( ) TTY/TDD for eaf an har-ofhearing customers Spanish-speaking customers PARA-WFB ( ) Chinese-speaking customers Wells Fargo PMA Package customers (TTY/TDD for eaf an har-ofhearing customers) IRA an ESA customers BEST-IRA ( ) Customers outsie the U.S. Visit wellsfargo.com/help/internationalaccess-coes to view a list of our International Access Coes. Bank By Mail Bank By Mail is a free an convenient way to make eposits to your Wells Fargo checking an savings accounts by mail. By using our convenient Bank By Mail kit, you can manage your eposits without neeing to leave your home. Please note that we o not accept loan payments or foreign check eposits through our Bank By Mail service. How o you get starte? To use our Bank By Mail service, you first nee to request your eposit kit through Wells Fargo Phone Bank at TO-WELLS ( ). If you nee to sen eposits before your kit arrives, please write on the back of the check for eposit only, Wells Fargo an inclue the account number to which the check shoul be eposite, an mail them to: Wells Fargo Bank P.O. Box 3488 Portlan, OR For accounts locate in Alaska, please sen eposits to: Wells Fargo Bank By Mail MAC K P.O. Box Anchorage, AK Consumer Account Fee an Information Scheule Effective April 29, 2016

7 Monthly fees Where can I fin information about monthly fees? Monthly fees inclue the monthly service fee an check image option fee. The monthly service fee an ways to avoi the fee for your new account are provie in the checking accounts or savings accounts section of this booklet. We also provie this information in the section on your statement calle Monthly service fee summary for each account. PMA Package provies this information in the Important Account Information section of the PMA statement. The check image option fee is provie in this Monthly fees section. You can visit wellsfargo.com any time for the current version of this booklet. What is a statement perio? The ates of your statement perio are locate at the top of your account statement. The statement provies you a recor of all transactions poste uring that perio. Statement perios may be monthly, quarterly, semi-annual, or annual. What is a fee perio? The fee perio is the perio we use to calculate monthly fees. The ates of your fee perio are locate in the Monthly service fee summary section on your statement. For PMA Package, the fee perio begins on the first business ay, an ens on the last business ay, of the calenar month. The fee perio is also use to count the number of poste transactions before charging fees for some transactions uring that perio. For example, your account may have a certain number of no charge ATM transactions each fee perio before being charge for aitional transactions. This table illustrates when a transaction is inclue in the fee perio. Transaction Transaction receive before the applicable cut-off time Transaction receive after the applicable cut-off time or on a non-business ay Regularly scheule automate banking transaction, such as an automatic transfer from your checking account to savings account, on a non-business ay Pening transaction shown in Online Banking Save As You Go transfer to savings account triggere by a qualifie ebit car purchase, online bill pay transaction, or automatic payment Account changes, such as signing up for online statements, complete after the applicable cut-off time or on a non-business ay For checking accounts with a combine balance option to avoi the monthly service fee, when an account is linke or a transaction occurs on linke accounts When is it inclue in the monthly fee perio? On the same business ay On the next business ay On the next business ay On the ay the transaction posts On the ay the transfer posts, which is the next business ay after the qualifie transaction posts When our system is upate on the next business ay Information in this table above applies until the combine balance cut-off which is one business ay prior to the last business ay of your fee perio 4 Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary

8 Monthly fees How are monthly fees calculate? Monthly fees are calculate using account balances, combine account balances, an transactions occurring uring the fee perio. Combine balances are calculate one business ay prior to the last business ay of your fee perio. The most current balance available on that ate is use. Monthly fees are calculate an poste to your account on the last business ay of the fee perio. An exception to the rule is PMA Package. For PMA Package, monthly fees are calculate as of last business ay of each month. The monthly service fee calculation uses the statement-ening qualifying balance. The monthly service fee posts on or about the thir business ay after the statement perio ens. It appears on the next month s statement. What happens if the fee perio an statement perio are not the same? If your fee perio is not the same as your statement perio, your fees may be calculate using transactions inclue on another statement. We may change these perios to align the ates for both of the perios. Account statements an check image options All accounts receive free online or paper statements sent by U.S. Mail. You may select your elivery preference. This service inclues free check safekeeping. Check image options for checking accounts For an aitional fee, you can enroll in our check image program. You have two ifferent monthly check return/image options available to you: 1. Classic: 10 checks per page. Image inclues the front of checks only. The monthly fee is $ Premium: 5 checks per page. Image inclues the front an back of checks. The monthly fee is $3.50. Aitional information regaring the check image options service: The fee for this service is only assesse when check images are returne in your account statement. This service is not available with online statements or with savings accounts. You will not be charge a fee for this service for the PMA Premier Checking account. Only the primary checking account in a PMA or combine statement package is eligible for the monthly check image service. This service is not available with the Wells Fargo Teen Checking account. 5 Consumer Account Fee an Information Scheule Effective April 29, 2016

9 Wells Fargo PMA Package Package etails Interest Monthly service fee 1 Minimum opening eposit Balance requirements Our Wells Fargo PMA Package is our premier relationship package, offering you a higher level of benefits an a meaningful way to simplify your finances an save money Through your PMA Package, you receive many benefits such as fee waivers an iscounte services. The Wells Fargo PMA Package consists of: A PMA Premier Checking account, an A PMA Package relationship, which inclues other qualifie accounts that you can link to your PMA Package. All qualifying linke accounts (incluing your PMA Premier Checking account) make up your PMA qualifying account balance This qualifying account balance is base on the amount of money you have, or a percentage thereof, in all linke accounts. We use this qualifying balance to etermine if you re eligible to avoi the monthly service fee, pricing iscounts, an other benefits. Your PMA Premier Checking account offers you: Competitive interest rates, Interest earne on the PMA Premier Checking account s aily collecte balance, Interest compoune aily an pai monthly, an Variable rate that the Bank can change at any time. The PMA Package has a $30 monthly service fee, which can be avoie when you have one of the following PMA statement ening qualifying balances: $25,000 or more in qualifying linke FDIC-Insure accounts, OR $50,000 or more in qualifying linke bank, brokerage an creit balances. Please see the PMA Package Qualifying accounts & statement choices table for accounts that can be linke to meet this option to avoi the fee. $50 minimum opening eposit for a new PMA Premier Checking account when you open at a banking location. $25 minimum opening eposit for a new PMA Premier Checking account when you open with Wells Fargo Phone Bank or Wells Fargo Online Banking. $10,000 in qualifying linke account balances by the en of your secon statement perio. (See When can we move you into a ifferent type of checking account? section.) Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 6

10 Wells Fargo PMA Package PMA Package benefits As a PMA account holer, you receive many banking benefits. Remember: To qualify for certain benefits etaile below, you must link the applicable accounts to your PMA Package. Benefits note with an asterisk apply only to the primary PMA Premier Checking account within the PMA Package. a. Combine monthly statement for all accounts linke to your PMA Package b. No Wells Fargo fee for balance inquiries an account transfers at any ATM.* 2 No fee for ATM statements at any Wells Fargo ATM* c. No fee for access to Wells Fargo Premier Banking Team SM. Waive monthly service fees on select linke checking an savings accounts e. No fee for Wells Fargo Online Banking an Bill Pay access f. No fee for Wells Fargo checks (except three-on-a-page styles), cashier s checks, an personal money orers* g. No fee for monthly check safekeeping or image statements* h. Bonus interest rate on linke Time Accounts (CDs), an on select linke FDIC-insure IRAs an savings accounts i. Discounts on qualifying loans an lines of creit 3 j. Wells Fargo Platinum Debit Car an/ or ATM Car with increase aily ATM withrawal limits upon request for cars linke to the PMA Premier Checking account* k. Annual relationship bonus on non-bonus rewar points for Wells Fargo Propel 365 American Express Car, Wells Fargo Propel Worl American Express Car, an Wells Fargo Propel American Express Car 4 Qualifying balances uner $250,000 Qualifying balances of $250,000 or more 7 Consumer Account Fee an Information Scheule Effective April 29, 2016

11 Wells Fargo PMA Package PMA Package benefits (continue) Qualifying balances uner $250,000 Qualifying balances of $250,000 or more l. Special Extene Warranty Protection, Price Protection, Wells Fargo Visa Platinum Creit Car account 5 an Travel Protection Coverage for your linke m. Annual fee waiver for one linke home equity line of creit 3 n. Discount on safe eposit box rental (where available) o. No Overraft Protection Avance Fee from one eligible linke home equity line of creit* 6 p. Lower online an automate telephone traing account linke to your PMA Package 7,8 commissions for a Wells Fargo Avisors WellsTrae q. Waive WellsTrae househol minimum balance fee 7,8 r. Waive annual fee on qualifying Wells Fargo Avisors full service brokerage account 7,8 s. Wells Fargo ExpressSen service* Discounte transfer fee t. No Wells Fargo fee for cash withrawals at non-wells Fargo ATMs* 2 Up to 2 per month (Combine U S. & International) No transfer fee Unlimite (U S. & International) u. Reimburse fees charge by non-wells Fargo ATMs* 2 Unlimite (U S.) Up to 5 per fee perio (International) v. No fee for incoming wire transfers* w. No fee for stop payment requests* x. No Overraft Protection Transfer Fee from eligible savings account* Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary See next page for aitional information. 8

12 Wells Fargo PMA Package * Benefits note with an asterisk apply only to the primary PMA Premier Checking account within the PMA Package. 1 We will waive the monthly service fee for each fee perio ening within the first 64 ays of opening the PMA Package to allow you to meet the requirements to avoi the monthly service fee. 2 Surcharges impose by non-wells Fargo ATM owners or operators may apply. No Wells Fargo ATM access fee for two non-wells Fargo ATM cash withrawals (combine U.S. an international) from your primary checking account within the PMA Package per monthly fee perio. Where PMA Package qualifying balances are $250,000 or more, you will (1) have unlimite waive Wells Fargo ATM access fees for cash withrawals at non-wells Fargo ATMs (U.S. an international), (2) be reimburse for all omestic surcharges impose by other financial institutions, an (3) receive reimbursement for up to five surcharge fees impose by other financial institutions per monthly fee perio if you use a non-wells Fargo ATM to make a cash withrawal at an ATM locate outsie of the U.S. 3 If you have multiple linke lines of creit, then you may request which line receives the annual fee waiver. Other fees, such as late fees, may apply in certain states. Aitional requirements may apply to the loan or line of creit in orer to qualify for the iscount. 4 Wells Fargo Propel 365 American Express Car an Wells Fargo Propel Worl American Express Car If you own a qualifying Wells Fargo consumer checking or savings account, or a PMA Package (each a qualifying eposit account ), you will earn a relationship bonus of 10%, 25%, or 50% on rewars points earne on net purchases (purchases minus returns/creits) mae on your creit car account. You cannot earn a relationship bonus on points that are earne as either bonus points or as promotional points. Your relationship bonus percentage will be etermine base on the type of qualifying eposit account you own. If you own an eligible checking or savings account, you will earn a 10% relationship bonus. If you own the primary checking account in a PMA Package, you will earn either a 25% or 50% relationship bonus, epening on the statementening qualifying relationship balances in an type of PMA Package you own. If you own more than one qualifying eposit account, you will earn the most favorable bonus rewars points percentage you qualify for at the time your relationship bonus is calculate. The relationship bonus, which will be in the form of rewars points, will post to your account in the 13th month after your creit car account was opene an annually on this ate thereafter for the perio uring which you maintain your qualifying eposit account. Please see the Wells Fargo Rewars Program Terms an Conitions for the Wells Fargo Propel 365 American Express Car or the Wells Fargo Worl American Express Car for etails. Wells Fargo Propel American Express Car If you own a qualifying Wells Fargo consumer checking or savings account, or a PMA Package (each a qualifying eposit account ), you will earn a relationship bonus of 10% on rewars points earne on net purchases (purchases minus returns/creits) mae on your creit car account. You cannot earn a relationship bonus on points that are earne as either bonus points or as promotional points. The relationship bonus, which will be in the form of rewars points, will post to your account in the 13th month after your creit car account was opene an annually on this ate thereafter for as long as you maintain your qualifying eposit account. Please see the Wells Fargo Rewars Program Terms an Conitions for the Wells Fargo Propel American Express Car for etails. 5 Certain restrictions, limitations, an fees may apply. Extene Warranty Protection, Price Protection, an Travel Protection Coverage inclue with Wells Fargo Visa Platinum creit cars will be terminate if the creit car is no longer linke to the PMA Package. See the Wells Fargo Visa Creit Car Purchase an Trip Protection Benefits Guie for more etails. 9 Consumer Account Fee an Information Scheule Effective April 29, 2016

13 Wells Fargo PMA Package 6 Home equity lines of creit secure by resiential real estate locate in CT, NY, or TX are not eligible to be linke for Overraft Protection. 7 Wells Fargo Bank, N.A. is a banking affiliate of Wells Fargo & Company. Brokerage proucts an services are offere through Wells Fargo Avisors. Wells Fargo Avisors is the trae name use by two separate registere broker-ealers: Wells Fargo Avisors, LLC an Wells Fargo Avisors Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo & Company. WellsTrae brokerage accounts are offere through Wells Fargo Avisors, LLC (member SIPC), a registere broker-ealer an non-bank affiliate of Wells Fargo & Company. 8 For complete information regaring fees an commissions, refer to the Full Service Brokerage Account Fee Scheule at wellsfargo com, or contact one of our investment professionals For complete information regaring fees an commissions, refer to the WellsTrae Account Commissions an Fee Scheule at wellsfargo com. Investment an Insurance Proucts Are Not insure by the FDIC or any other feeral government agency Are Not eposits of or guarantee by a Bank May Lose Value Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 10

14 Wells Fargo PMA Package What are the PMA Package opening requirements? In aition to the minimum opening eposit, to open a PMA Package, you must be at least 18 years ol (or at least 19 years ol in Alabama). You must open a new or convert an existing Wells Fargo checking account to a PMA Premier Checking account. If you choose to convert an existing account, then you can keep the same account number, an use the same checks an ebit or ATM car. Your PMA Premier Checking account is your primary account for: Deucting potential fees, Determining statement mailing aress, an Receiving certain benefits. (See PMA Package benefits table for more information.) If you have more than one PMA Checking account, then only one account can be the primary checking account within your PMA Package. You can select which account is the primary account. Can you use other accounts to qualify for your PMA Package-base benefits? Yes. To make it easier to qualify for your PMA Package-base benefits, you can link eligible account balances owne by other account holers to your PMA Package with their approval. To o so, you must provie us with authorization from the account owner whose account will be linke, authorizing us to use their account balances for this purpose. By using the other account holer s account balances towar your PMA Package balances, please note the following: They may remove their accounts from your PMA Package or close their accounts with or without your consent. They will not have transaction authority over your PMA Premier Checking account or any other linke PMA Package account. You will not have transaction authority over their accounts. They are not entitle to any privileges of your PMA Package. Only you, as the owner of the PMA Premier Checking account, are entitle to the benefits offere within the PMA Package. How o we provie your statements an etails on your account? At the en of each month, we process your PMA statement. As part of this process, we: Make your statement available to you by either US Mail or online base on your selecte elivery preference on or about the seventh business ay of the following month, Provie you with etaile information on your linke accounts unless only summary level information is available. If you receive summary level information for an account linke to your PMA Package, then you will continue to receive your regular etaile statement for that account, For etaile information regaring accessing your PMA statement information online, please refer to the Online Access Agreement at wellsfargo.com. 11 Consumer Account Fee an Information Scheule Effective April 29, 2016

15 Wells Fargo PMA Package The following explains the information on your linke accounts statements. Statements for linke accounts For some accounts linke to your PMA Package, you will have a choice of receiving Detail or Summary Level Information. You will fin these options on the Qualifying accounts & statement choices table If you request that we link your qualifying accounts on the last business ay of the month, then we will inclue that account information on the following month s statement. We may change your statement option from linke in etail to summary at our iscretion. Statements with other accounts Other accounts can be linke to the PMA Package in either a etail or summary level format If Detail Level Format all information regaring the linke account will be inclue in the combine PMA statement in etail an no stanalone account statement will be create for the linke account. The owner of the linke account will be responsible for verifying the accuracy of the account information on the combine PMA statement. If Summary Level Format account information will be inclue in the combine PMA statement in summary an a stanalone account statement will be create for the linke account. Who has access to your PMA Package account statements? Each owner of every account linke in etail to your PMA Package can see all transactions on all accounts on your PMA statement These accounts inclue banking, brokerage, creit, an mortgage How o you link PMA Package qualifying accounts? Unless you ask us, we will link all your qualifying accounts to your PMA Package. If the qualifying accounts inclue those owne by others in your househol, then we must receive the account owners approval before linking these accounts. You may also open new accounts after establishing your PMA Package, which will be linke in the following ways: If you are the primary owner for both the PMA Package an the new qualifying account, we will automatically link your new account to your PMA Package. If you are the seconary owner on either the PMA Package or the new qualifying account, please contact your banker to request your new account be linke to the PMA Package. The Qualifying accounts & statement choices table explains which Wells Fargo accounts you can link to your PMA Package to meet your balance qualifications an the available statement options. Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 12

16 Wells Fargo PMA Package Qualifying accounts & statement choices FDIC insure accounts Detaile statement Summary statement PMA Premier Checking account Aitional checking accounts Savings accounts Time Accounts (CDs) 1 Retirement accounts 2 (Savings an CDs) Non -FDIC insure accounts Wells Fargo Avisors, LLC qualifying brokerage accounts 3,4 Wells Fargo Avisors, LLC qualifying retirement brokerage accounts 3,4 Foreign exchange accounts Fixe 5,6 an variable annuities 5 Investment management an trust, excluing irrevocable trusts Creit accounts All creit accounts subject to qualification Qualifying loans an lines of creit (For certain home-secure loans, only 10% of the outstaning balance counts towar the PMA relationship balance.) Wells Fargo Home Mortgage loans (10% of balance) 7,8 Creit car accounts Secure PrimeLine line of creit Investment an Insurance Proucts Are Not insure by the FDIC or any other feeral government agency Are Not eposits of or guarantee by a Bank May Lose Value 13 Consumer Account Fee an Information Scheule Effective April 29, 2016

17 Wells Fargo PMA Package What accounts cannot be linke to your PMA Package? Certain installment loans from Wells Fargo Leasing an Auto Finance Loans from Wells Fargo Financial, Inc. Coverell Eucation Savings accounts Stuent loans Certain mortgages Certain annuities Business accounts Accounts hel by you in a representative capacity incluing, but not limite to the following: - Uniform Transfers to Minors Account (UTMA)/Uniform Gifts to Minors Account (UGMA) - Irrevocable trusts - Guarian/Conservator Qualifie retirement plans, incluing 401(k) accounts Certain brokerage accounts offere by Wells Fargo Avisors, LLC an Wells Fargo Avisors Financial Network, LLC 3 Investment an Insurance Proucts Are Not insure by the FDIC or any other feeral government agency Are Not eposits of or guarantee by a Bank May Lose Value 1 For Time Accounts (CDs) an Retirement Accounts (Savings an CDs) you will continue to receive separate statements an/or notices. 2 You will continue to receive a semi-annual retirement statement. 3 Brokerage proucts an services, incluing WellsTrae accounts, are available through Wells Fargo Avisors, LLC (member SIPC), a registere broker-ealer an separate non-bank affiliate of Wells Fargo & Company. Wells Fargo Avisors is the trae name use by two separate registere broker-ealers an non-bank affiliates of Wells Fargo & Company: Wells Fargo Avisors, LLC an Wells Fargo Avisors Financial Network, LLC, members SIPC. 4 Certain brokerage accounts are not eligible. 5 Insurance proucts are offere through non-bank insurance agency affiliates of Wells Fargo & Company an are unerwritten by unaffiliate insurance companies. 6 If the annuity becomes annuitize, or a perioic payment scheule has been establishe, the remaining balance will no longer be eligible for qualification. 7 Subject to creit qualifications. Certain mortgages are not eligible. Please contact a banker to fin out if your mortgage is eligible. 8 If you refinance your linke mortgage account with another lener, then we e-link your original mortgage from your PMA Package an it will no longer count towar your PMA qualifying balances. If you refinance your mortgage with Wells Fargo Home Mortgage, if eligible you can re-link your new mortgage to your PMA Package. Once your refinancing process is complete, please contact your banker to ensure your new mortgage is re-linke. Please note that we cannot automatically link your refinance Wells Fargo Home Mortgage unless the primary owners on both the PMA Package an the mortgage are the same. Linking your new mortgage to your PMA Package may take several weeks. Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 14

18 Wells Fargo PMA Package What fees will you pay when you use your ebit or ATM car? When you use your ebit or ATM car, thir parties may charge you fees when you: Make purchases at stores, merchants, an other thir parties, or Get over-the-counter cash isbursements with your ebit car at other banks/financial institutions branches. Aitionally, we may charge you a fee for other ebit car or ATM car activities. Please refer to the Service fees section for further etails. Do we share your PMA Package information? From time to time, we nee to share certain information about your accounts, proucts, an services with the Wells Fargo family of banks an companies. We share these etails with each other to share information so we can properly aminister an eliver your PMA Package of services. This service can inclue applying appropriate prouct iscounts an proviing you with combine statements. You may still choose to opt out of certain information sharing within the Wells Fargo family. Please refer to the privacy policy for proceures on how to notify us of your ecision to opt out. What happens if you change or close your PMA Package? If you close your PMA Package or e-link an account, then effective immeiately PMA Package benefits no longer apply incluing benefits to your linke accounts. As a result, you lose the following PMA benefits for linke accounts: Monthly service fee: If your PMA Package balance falls below waiver requirements to avoi the monthly service fee after e-linking or closing a linke account, then we may begin charging you a monthly service fee as early as your next fee perio. Please note that we will not notify you in avance if this e-linke or close account causes you to incur a fee on your PMA Package. Bonus interest rate/iscounts/fee waivers: You will no longer receive the bonus interest rate, iscounts, or options to avoi fees on other proucts or services. Your e-linke account will revert to the Bank s current applicable rate or fee. Special benefits on linke Wells Fargo Visa Platinum, Wells Fargo Propel 365 American Express Car, Wells Fargo Propel Worl American Express Car, an Wells Fargo Propel American Express Car creit cars: If you no longer link your Wells Fargo creit car to your PMA Package, or if you close your PMA Package, then we will reuce or stop your car s special benefits. These benefits inclue items such as Extene Warranty Protection, Price Protection, Travel Protection Coverage an Relationship Bonus Rewar Points. To learn more, please refer to your Visa Car Guie to Benefits Wells Fargo Platinum Car for Wells Fargo PMA Customer ocument or the Wells Fargo Rewars Program Terms an Conitions for the Wells Fargo Propel Worl, 365 American Express Car, or the Wells Fargo Propel American Express Car for etails. 15 Consumer Account Fee an Information Scheule Effective April 29, 2016

19 Wells Fargo PMA Package How long will it take to close a PMA Package linke account? When you ask us to close an account linke to your PMA Package (incluing your primary PMA Premier Checking account), we may take up to 3 business ays to process your request. When can we move you into a ifferent type of checking account? We may change your account type if, in our jugment, it better suits your situation. Some of these change scenarios inclue: When the primary account owner is uner 18 years ol To maintain a PMA Premier Checking account as the primary account owner, you must be at least 18 years ol (at least 19 in Alabama) If the PMA Premier Checking account primary owner is not an ault, then we will: Close the PMA Package, De-link all accounts from the PMA Package, Convert the PMA Premier Checking account to a Wells Fargo non-interest earning checking account, an The bonus interest rate you receive on certain savings an time accounts (CDs) will change to our then current interest rate. Aitionally, any PMA Package-base iscounts or fee waivers on proucts an services will iscontinue. Minimum balances require for new account For your PMA Package, you must keep at least $10,000 in qualifying, linke balances on the last ay of the secon monthly statement perio after you opene your PMA Package. If you o not maintain this balance, we will: Close your PMA Package, De-link all accounts from the PMA Package, Convert your PMA Premier Checking account to the Wells Fargo Everyay Checking account. This account is a non-interest earning account with lower requirements to avoi the monthly service fee. (See the section Everyay Checking Account in this booklet for complete account etails.), an The bonus interest rate you receive on certain savings an time accounts (CDs) will change to our then current interest rate. Aitionally, any PMA Package-base iscounts or fee waivers on proucts an services will iscontinue. Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 16

20 Wells Fargo PMA Package Repetitive payment of the PMA Package monthly service fee If your PMA Package has less than $10,000 in qualifying relationship balances an you pay a PMA Package monthly service fee for at least six (6) consecutive fee perios, we will: Close your PMA Package, De-link all accounts from the PMA relationship, an Convert your PMA Premier Checking account to the Wells Fargo Everyay Checking account. This account is a non-interest earning account with lower monthly service fee waiver requirements (See the section Everyay Checking Account in this booklet for complete account etails.). Please note that Wells Fargo continually offers new accounts an services, an as or moifies account terms an conitions to meet our customers changing nees. If your account shoul convert to the Everyay Checking account, the account terms an conitions at the time of the conversion will apply. If your account is converte to the Everyay Checking account, a non-interest earning checking account, the PMA Package-base benefits will no longer be available. (See the section PMA Package benefits in this booklet for a full listing of benefits.) Exclusions PMA Package customers that are exclue from these conversion criteria are those that maintain at least one of the following categories of accounts or services linke to their PMA Package: Three or more linke checking or savings accounts Any lening, line of creit or creit car prouct At least one Full Service or WellsTrae Brokerage account* Investment an Insurance Proucts Are Not insure by the FDIC or any other feeral government agency Are Not eposits of or guarantee by a Bank May Lose Value * Wells Fargo Bank, N.A. is a banking affliate of Wells Fargo & Company. Brokerage proucts an services are offere through Wells Fargo Avisors. Wells Fargo Avisors is the trae name use by two separate registere broker-ealers: Wells Fargo Avisors, LLC an Wells Fargo Avisors Financial Network, LLC, Members SIPC, non-bank affliates of Wells Fargo & Company. WellsTrae brokerage accounts are offere through Wells Fargo Avisors, LLC (member SIPC), a registere broker-ealer an non-bank affliate of Wells Fargo & Company. 17 Consumer Account Fee an Information Scheule Effective April 29, 2016

21 Wells Fargo PMA Package If your PMA Premier Checking account is no longer linke to a PMA Package relationship The Wells Fargo PMA Package consists of: A PMA Premier Checking account, an A PMA Package relationship If the PMA Package is no longer maintaine or has been close, then we will: De-link all accounts from the PMA Package, Convert the PMA Premier Checking account to a Wells Fargo non-interest earning checking account, an The bonus interest rate you receive on certain savings an time accounts (CDs) will change to our then current rate. Aitionally, any PMA Package-base iscounts or fee waivers on proucts an services will iscontinue. Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 18

22 Checking accounts Checking esigne for Preferre Checking Account (See next page for aitional information) Customers with higher balances or a Wells Fargo Home Mortgage Everyay Checking Account (See next page for aitional information) Customers looking for easy access to their money Opportunity Checking Account (See next page for aitional information) Customers who o not meet regular Wells Fargo account opening stanars Monthly service fee $15 $10 $10 $3 Options to avoi the monthly service fee Monthly service fee iscounts available Minimum opening eposit Interest Avoi the fee with one of the following each fee perio 1 : Maintain $10,000 or more in combine eposit balances 2 $1,000 or more in total qualifying irect eposits 4 Link your Wells Fargo Home Mortgage to this account Not applicable $50 when opene at a banking location $25 when opene via Wells Fargo Phone Bank or Wells Fargo Online Banking Earne on the entire aily collecte balance on ays that you maintain a balance of $500 or more Compoune aily an pai monthly to your account Variable rate that the Bank can change at any time Avoi the fee with one of the following each fee perio 1 : Maintain a $1,500 minimum aily balance $500 or more in total qualifying irect eposits 4 10 or more poste ebit car purchases an/or payments from this checking account Linke to a Wells Fargo Campus ATM or Campus Debit Car 5 $5 monthly service fee iscount when the primary account owner is 17 through 24 years ol $50 when opene at a banking location $25 when opene via Wells Fargo Phone Bank or Wells Fargo Online Banking Avoi the fee with one of the following each fee perio 1 : Maintain a $1,500 minimum aily balance $500 or more in total qualifying irect eposits 4 10 or more poste ebit car purchases an/or payments from this checking account Not applicable $50 when opene at a banking location Teen Checking Account (See next page for aitional information) Customers who are 13 through 17 years ol (18 years ol in AL) Avoi the fee with online only statements 1 Not applicable $50 when opene at a banking location Not applicable Not applicable Not applicable Optional Overraft Yes Yes Yes Yes Protection available 3 1 We will waive the monthly service fee for each fee perio ening within the first 64 ays of opening the account to allow you to meet the requirements to avoi the monthly service fee. 2 Inclues linke consumer checking an savings accounts, Time Accounts (CDs) an FDIC-insure Retirement accounts. 3 Subject to applicable transfer or avance fees 4 A qualifying irect eposit is a irect eposit of your salary, pension, Social Security, or other regular monthly income electronically eposite to this checking account by your employer or an outsie agency. Transfers from one account to another or eposits mae at a banking location or ATM o not qualify as a irect eposit. If at any time the irect eposit iscontinues, we will look back 65 ays to see if you met the irect eposit requirements before a monthly service fee is charge. 5 Wells Fargo Campus ATM an Campus Debit Cars are part of the Wells Fargo Campus Car SM program ask a banker for aitional etails about participating schools. Your checking account will receive a monthly service fee waiver within 45 ays of linking your Campus Car to that account. 19 Consumer Account Fee an Information Scheule Effective April 29, Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary

23 Checking accounts Aitional information - Checking accounts What fees will you pay when you use your ebit an ATM car? When you use your ebit or ATM car, thir parties may charge you fees when you Make purchases at stores, merchants, an other thir parties, or Get over-the-counter cash isbursements with your ebit car at other banks/financial institutions branches. Aitionally, we may charge you a fee for other ebit car or ATM car activities. Please refer to the Service fees section for further etails. Aitional information Preferre Checking, Everyay Checking, an Opportunity Checking Accounts What accounts can you link for Overraft Protection? To protect your account from an overraft, you may link one or both of the following Wells Fargo accounts: Eligible savings account (Please be aware that these transfers count towar the savings account transaction limit see page 28) Eligible creit car or eligible line of creit Please refer to the Service fees section for etails on overraft, Overraft Protection Transfer/Avance fee, an returne item fees. Aitional benefits Preferre Checking Account $10 iscount on personal style checks No fee personal money orers No fee cashier s checks One non-wells Fargo ATM cash withrawal transaction (U.S.) per fee perio (fees charge by non-wells Fargo ATM owner/operator apply) Aitional information Opportunity Checking Account Funs availability an check cashing Aitional rules for funs availability are applicable for this checking account. Please see the booklet title Consumer Account Agreement for these rules. You can only cash checks rawn on Wells Fargo or its affliates. You can eposit checks rawn on any financial institution. What aitional information about your ebit or ATM car shoul you know? Daily ollar limits You can only make purchases an ATM car withrawals up to your account s available funs an aily ollar limits. Linke account limits You can access only one Opportunity Checking account an one Opportunity Savings account with the car. You cannot link other accounts to the car. 21 Consumer Account Fee an Information Scheule Effective April 29, 2016

24 Checking accounts Aitional information Wells Fargo Teen Checking Account Can the account be opene in just the teen s name? No. An ault co-owner is require to open this account. How much will we charge you for overrafts (OD) an returne items (Non-Suffcient Funs/NSF)? If your purchases or other transactions excee your account s available balance, then we may either Pay the item(s), which creates an overraft (OD), or Return the item(s) without paying it (returne item, Non-Suffcient Funs/NSF) In either situation, we will charge you a $15 fee per item. We limit our overraft an returne item fees to two (2) on any business ay At the en of our nightly processing, if both your ening aily account balance an your available balance are overrawn by $5 or less an there are no items returne for insuffcient funs after all transactions have poste, any overraft fee(s) will be waive. This fee waiver is associate with your total overrawn balance, not the ollar size of the transaction(s) contributing to the overrawn balance. Please note that thir parties or other banks may charge you aitional fees for returne items. Where can you cash or eposit your check? You can only cash checks rawn on Wells Fargo or its affliates. You can eposit checks rawn on any financial institution. What accounts can you link for Overraft Protection for your Teen Checking account? To protect your account from an overraft, you may link to an eligible savings account. Please be aware that these transfers count towars the savings account transaction limit see page 28. Please refer to the Service fees section for etails on the Overraft Protection Transfer fee. What happens when you are oler than the age range for this account? We may systematically convert a Teen Checking account to a stanar checking account in June of their high school grauation year, if specifie. If the customer oes not specify the grauation year, the account may convert on the account holer s 18th birthay (19th in AL) The converte account will be subject to applicable checking terms an service fees. Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 22

25 Wells Fargo Worlwie Military Banking Program Who oes this program support an how are you eligible? Wells Fargo appreciates the service an eication of our country s military servicemen an servicewomen. We are happy to provie the Wells Fargo Worlwie Military Banking program to recognize your service commitment an provie specific financial services to those who meet certain eligibility. To be eligible for this program, you must Be actively serving in the U.S. military (in either the Army, Navy, Air Force, Marines or Coast Guar military branch), retire, or a isable veteran who can no longer serve, an You must receive a qualifying non-civilian irect eposit 1 of your salary, pension, or isability benefits, electronically eposite from DOD/DFAS (Department of Defense/ Defense Finance an Accounting Service) or VA/VBA (Department of Veterans Affairs/ Veterans Benefits Aministration) or U.S. Department of the Treasury from one of the military branches covere by this program into your qualifying checking account monthly in orer to be eligible to receive benefits of the Worlwie Military Banking Program. You will not be eligible for Worlwie Military Banking benefits until the non-civilian irect eposit has been eposite into your checking account. You will receive your program benefits 45 ays after your non-civilian irect eposit is eposite into your checking account. What accounts an services are available? The Worlwie Military Banking Program is available with any Wells Fargo consumer qualifying checking account. PMA checking accounts o not qualify for the benefit outline below. Each checking account participating in the Worlwie Military Banking program receives the following ATM benefits at non-wells Fargo ATMs at no charge by Wells Fargo uring each monthly fee perio: Up to four U.S. omestic cash withrawal transactions Up to four international cash withrawal transactions Non-Wells Fargo ATM owners or operators may apply surcharges for ATM transactions (unless waive by terms of your account). 23 Consumer Account Fee an Information Scheule Effective April 29, 2016

26 Wells Fargo Worlwie Military Banking Program What is the minimum opening eposit for new checking accounts for military customers? The minimum opening eposit of $25 applies to checking accounts opene by military customers. What happens to your account if your military status changes? If your status changes an a qualifying non-civilian irect eposit is no longer eposite each statement perio into your checking account, you will no longer be eligible for the Worlwie Military Banking Program an your checking account will no longer have benefits uner this program. In that event, the Bank s stanar terms an fees apply 1 Direct eposits from other agencies an organizations may not be consiere as eligible for the program. Transfers from one account to another or eposits mae at a banking location or ATM o not qualify as a irect eposit. Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 24

27 Savings accounts Savings esigne for Way2Save Savings Account (see next page for aitional information) Customers who want to make saving easy an automatic Opportunity Savings Account (see next page for aitional information) Customers who o not meet regular Wells Fargo account opening stanars Monthly service fee $5 $5 $12 Options to avoi the monthly service fee Avoi the fee with one of the following each fee perio 1 : Maintain a $300 minimum aily balance 1 or more Save As You Go transfers from your checking account (See next page for more information) An automatic transfer of $25 or more each fee perio from your checking account into this account An automatic transfer of $1 or more each business ay from your checking account into this account Are uner the age of 18 (19 in AL) an are the primary owner of this account 2 Avoi the fee with one of the following each fee perio 1 : Maintain a $300 minimum aily balance A qualifying irect eposit of $100 or more 4 An automatic transfer of $25 or more each fee perio from your Wells Fargo checking account into this account Platinum Savings Account (see next page for aitional information) Customers that want a variable-rate savings account with limite check access Avoi the fee with the following each fee perio 1 : Maintain a $3,500 minimum aily balance Minimum opening eposit $25 $25 $50 when opene at a banking location $25 when opene via Wells Fargo Phone Bank or Wells Fargo Online Banking Interest Checks Please refer to the current consumer eposit rate sheet for current interest rates in your banking location. Interest is Earne on your entire aily collecte balance, Compoune aily an pai monthly, an A variable rate that the Bank can change at any time Checks are not available for use with this account 1 We will waive the monthly service fee for each fee perio ening within the first 64 ays of opening the account to allow you to meet the requirements to avoi the monthly service fee. 2 On the accountholer s 18th (19th in AL) birthay, this account is automatically subject to the monthly service fee then in effect for the Wells Fargo Way2Save Savings account. 3 Your bonus interest rate will en if you or the Bank close your PMA Package relationship or you no longer link an account to the PMA Package. Please refer to the current consumer eposit rate sheet for current interest rates in your banking location. Interest is Earne on your entire aily collecte balance, Compoune aily an pai monthly, an A variable rate that the Bank can change at any time Checks are not available for use with this account Earn a bonus interest rate when linke to a PMA Package. 3 Please refer to the current consumer eposit rate sheet for current interest rates in your banking location. Interest is Earne on your entire aily collecte balance, Compoune aily an pai monthly, an A variable rate that the Bank can change at any time Limite check writing is available for this account (see Regulation D savings account transaction limit an other limite activity in this section) 4 A qualifying irect eposit is a irect eposit of your salary, pension, Social Security, or other regular monthly income of $100 or more per eposit electronically eposite to your Opportunity Savings account. Transfers from one account to another or eposits mae at a banking location or ATM o not qualify as a irect eposit. If at any time the irect eposit iscontinues, we will look back 35 ays to see if you met the irect eposit requirements before a monthly service fee is charge. Introuction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees Glossary 25 Consumer Account Fee an Information Scheule Effective April 29,