Important legal information, disclosures, and terms you need to know

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1 The information in this disclosure may not be entirely accessible to screen readers. Please call the Phone Bank at if you would like to obtain an alternate accessible format. Wells Fargo EasyPay Card Terms and Conditions Important legal information, disclosures, and terms you need to know Effective July 15,2015

2 The Wells Fargo EasyPay Card is currently not available in all locations. For more information, please call Wells Fargo Phone Bank SM at TO-WELLS ( ) Wells Fargo Bank, N.A. All rights reserved. Member FDIC. CNS3024 & CNS3024SP (7/15)

3 These terms ( Terms ) set forth the terms and conditions governing your use of the Wells Fargo EasyPay Card. The Card is offered and issued by Wells Fargo Bank, N.A. By receiving, activating, and using the Card, you agree that the Card and the funds loaded to the Card are subject to these Terms. Definitions The following words have special meaning in these Terms and are defined below. Bank, we, and us Mean Wells Fargo Bank, N.A. You, your, and cardholder Mean the person to whom the Card is issued or made available. Business day Every day is a business day except Saturdays, Sundays, and federal holidays. Card Means the Wells Fargo EasyPay Card and the Wells Fargo EasyPay Instant Card. ACH Means the Automated Clearing House network. ATM Means Automated Teller Machine. Authorization hold Means the temporary hold we are permitted to place against some or all of the funds on your Card if and when a merchant makes an authorization request. Please see section 7 for additional details on authorization holds. Available balance Means the most current record we have about the funds that are available for withdrawal from your Card. It includes all deposits and withdrawals that have been posted to your prepaid subaccount, and then adjusts for any holds on recent deposits and any pending transactions known to Bank. Available balance does not include (1) automatic payments you have authorized (such as car payments, a gym membership, or other recurring prepaid card transactions); (2) Card transactions authorized by Bank but not submitted by the merchant for payment within three (3) business days of authorization, or that were never submitted for authorization; and (3) final transaction amounts for Card transactions that are greater than the amount authorized (a common occurrence at restaurants, for example). To avoid overspending, please keep track of all of your transactions and compare your records to what is reflected by Bank. Deposited item Means an item that Bank cashes or collects for you or accepts for loads to your Card. Limits Card transactions are subject to a daily limit for ATM withdrawals and cash-like withdrawals (e.g. over-the-counter cash disbursements), and a daily limit for purchases, which are separately communicated to you by Bank. For purposes of the daily limit only, a day is the 24-hour period from midnight to midnight, Pacific Time. If a transaction is initiated in another time zone, it will be processed when the Bank receives it. Overdraft This occurs when you do not have sufficient funds on the Card at the time the transaction posts, but Bank still pays the transaction. PIN Means the Personal Identification Number used for transactions at an ATM and merchant terminal where PINs are accepted. 1

4 Prepaid subaccount Means the segregated account of funds within a master account that Bank establishes and maintains for each Card on behalf of the cardholder. The prepaid subaccount enables us to track the funds loaded to or withdrawn from the Card, and is used for accounting purposes. In addition to the 16-digit Card number, Bank will provide you with the 10-digit prepaid subaccount number and a routing number. The prepaid subaccount number cannot be used to make withdrawals or for transactions other than direct deposits or ACH transfers onto the Card. 1. Your Card The Card is a reloadable prepaid debit card established primarily for consumer use. Your Card may also be referred to as a prepaid card or debit card. There is a limited purpose, prepaid subaccount associated with your Card in which the funds loaded to the Card are tracked. You may only add funds to this prepaid subaccount and access the funds in this prepaid subaccount in accordance with these Terms. The funds in this prepaid subaccount are held by Bank and will be treated as a deposit by the Federal Deposit Insurance Corporation (FDIC). These funds will be added to any other deposits you have in the same ownership category at Bank, and the aggregate balance will be insured by the FDIC to the extent permitted by law. Bank does not pay any interest on the funds associated with the Card. The cardholder must be a resident of the United States and the age of majority/ emancipation in the state of residence. A Card may only be opened by and issued to cardholders opening the Card for themselves; a Card cannot be opened for a thirdparty. There may only be one cardholder per prepaid subaccount. Bank cannot mail the Card to APO or FPO addresses or outside United States, the District of Columbia, the Commonwealth of Puerto Rico, and the following U.S. territories or possessions: American Samoa, Guam, Northern Mariana Islands, and U.S. Virgin Islands. Bank in its sole discretion may refuse to issue the Card or make the Card available to anyone for any reason, to the extent permitted by law. 2. Your PIN; signature on back of Card To protect the use of your Card, a PIN will be required to conduct a transaction with your Card at an ATM and a PIN may be required at a merchant terminal where PINs are accepted. This PIN will be provided to you by Bank at the time your Card is activated or account opened. You should not disclose your PIN to anyone. If the security or confidentiality of your PIN is compromised, please notify us at once. There is a panel on the back of the Card for your signature. You should sign this panel on your Card as soon as you receive it to help protect your Card from unauthorized use. Please note that your responsibility for transactions with the Card, as described in these Terms, does not depend on whether or not you sign your Card. 3. How you can reach us about your Card You may contact us at Wells Fargo accepts Telecommunications Relay Services calls. Wells Fargo Phone Bank SM TO-WELLS ( ) TTY/TDD for deaf and hard-of-hearing customers Wells Fargo, Customer Correspondence P.O. Box 6995 Portland, OR

5 4. How to add funds to your Card You will need to load a minimum of $25 to open your Card. After your Card is opened, you are not required to have a minimum balance. You may add or load funds to your Card in the following ways. Please see section 14 for Bank s funds availability policy. We may limit the amount of funds that you are able to load on your Card and the number of times you may load funds to your Card within a period of time. Bank may reverse or otherwise adjust any amount erroneously or fraudulently loaded to your Card. You may add funds to your Card: a. At a Wells Fargo banking location: By depositing cash and/or checks. By making a transfer onto your Card from an eligible Wells Fargo checking, savings, brokerage, or other eligible account. b. At a Wells Fargo ATM: By depositing cash and/or checks. By making a transfer onto your Card from an eligible Wells Fargo checking, savings, brokerage, or other eligible account. c. By direct deposit: You may set up direct deposit or ACH transfers by providing the prepaid subaccount number and the routing number to the payor, such as an employer or benefits provider. Wire transfers (domestic and international) cannot be loaded to your Card. If you are a sole proprietor, you may not set up direct deposit from your checking, savings, brokerage, or other eligible account to your Card using a Wells Fargo payroll service, such as Direct Pay through Wells Fargo Business Online or Wells Fargo Business Payroll Services. d. Through Wells Fargo Online : If you are enrolled in online banking, you can sign into Wells Fargo Online and: Make a transfer using the Between Your Accounts tab under Transfers. You may use this feature to transfer money onto your Card from your Wells Fargo checking, savings, brokerage, or other eligible account. Register to receive money from customers of Wells Fargo and other eligible financial institutions using the WF SurePay tab under Transfers. You must accept the terms and conditions for Wells Fargo SurePay to use this service. e. By Mobile Deposit: If you are enrolled in online banking, have the Wells Fargo Mobile app, and have accepted the Wells Fargo Mobile Deposit Terms & Conditions, you can take photos of the front and back of your check and submit it for deposit. f. By calling the Wells Fargo Phone Bank at TO-WELLS ( ) and: Making a transfer onto your Card from an eligible Wells Fargo checking, savings, brokerage, or other eligible deposit account that you own. You may speak to a live agent or choose from the interactive voice response menu. g. By using a credit card or debit card at the time you open the Card: A credit or debit card may only be used for the initial load to the Card at the time you open the Card. We may limit the amount of funds that you are able to load on your Card using a credit card or debit card. Please see section 28 for fees that may apply. h. Through certain electronic transfers: Your Card may also be used to receive certain electronic transfers such as those through card networks or funds transfer systems. i. At eligible non-wells Fargo ATMs: Cash or checks may be deposited at eligible non-wells Fargo ATMs domiciled in Iowa and Nebraska. 5. How to access funds from your Card Funds from your prepaid subaccount may only be accessed by using the Card. You may not write checks to access funds in the prepaid subaccount. Your Card is subject to a daily limit for ATM withdrawals and cash-like withdrawals (e.g. over-the-counter cash disbursements) and a daily limit for purchases, which are separately communicated to you by Bank. 3

6 The following are the only ways you can access funds from your Card. You may use your Card to: a. Withdraw cash: Subject to your available balance and the applicable daily ATM withdrawal limit for your Card, you may withdraw cash by: Using your Card at ATMs displaying the symbol of a network in which Bank participates. Please see section 28 for fees that apply for using non-wells Fargo ATMs. Using your Card with your PIN to get cash back when you make a purchase at merchants displaying the symbol of a network in which Bank participates. You must follow the instructions on the merchant terminal and enter your PIN to obtain cash back at a merchant location that allows that type of transaction. Using your Card to make withdrawals in-person at Wells Fargo banking locations. Using your Card to make over-the-counter cash disbursements (sometimes referred to as cash advances ) at Wells Fargo banking locations or at any bank which issues Visa-branded credit or debit cards. Please see section 28 for information on the over-thecounter cash disbursement fee. b. Make purchases and pay bills: Subject to your available balance and the applicable daily limit for your Card, you may make purchases or pay bills by: Using your Card to make purchases of goods and services at merchants displaying the symbol of a network in which Bank participates. A PIN may be required at the merchant terminal where PINs are accepted. Using your Card to pay bills over the telephone, internet, or through preauthorized payments. c. Make transactions through a mobile device: Subject to your available balance and the applicable daily limit for your Card, you may choose to make Card transactions through a Mobile Device. If you make Card transactions through a Mobile Device, these Terms apply with the same effect and coverage. As used in these Terms, Mobile Device means a smartphone, tablet, or any other hand held or wearable communication device that allows you to electronically store or electronically present your Card or Card number ( Electronic Card Information ) and use that Electronic Card Information to make Card transactions. If you use your Card through a Mobile Device, you should secure the Mobile Device the same as you would your cash, checks, credit cards, and other valuable information. Bank encourages you to password protect or lock your Mobile Device to help prevent an unauthorized person from using it. Please notify Bank promptly if your Mobile Device containing Electronic Card Information is lost or stolen. You may contact Bank at Please note that your mobile carrier may charge you message and data rates, or other fees, when you use your Card through a Mobile Device. Card transactions made through a Mobile Device may involve the electronic transmission of your Card information across wireless and computer networks. Third parties, such as merchants, card association networks, mobile carriers, mobile wallet operators, mobile device manufacturers, and software application providers may use and receive Electronic Card Information in connection with your Card transaction. Third parties may also receive information about your Mobile Device when you use it to make a Card transaction. When you use your Card through a Mobile Device, information about your Mobile Device may be transmitted to Bank. Bank may, at any time, partially or fully restrict your ability to make Card transactions through a Mobile Device. If you want to remove Electronic Card Information from your Mobile Device, please contact Bank at

7 You may not transfer the cash balance available on the Card to another bank, debit card, or credit card product (please see section 20 for exceptions when terminating the Card). You may also not transfer funds from the Card using the ACH system. The amount of each withdrawal or purchase is deducted from your Card. Your Card must not be used for any unlawful purpose. Bank reserves the right to deny transactions or authorizations from merchants apparently engaging in the Internet gambling business or identifying themselves through the Card transactions record or otherwise as engaged in such business. Bank may limit the number of authorizations it allows during a period of time. Your actual daily limits may vary depending on our experience with you. In certain circumstances, we may authorize transactions that will cause you to exceed your daily purchase limit. Your daily limits are subject to periodic review and are subject to change based on account history, activity, and other factors. Bank reserves the right to deny certain transactions for any reason, including default, suspected fraudulent or unlawful activity, or any indication of increased risk related to the transaction. For security reasons, Bank cannot explain the details of how the authorization system works. You agree that Bank will not be liable for failing to give an authorization. If the authorization is denied, Bank may notify the person who attempted the transaction that it has been refused. 6. Split tender transactions and partial authorization For purchases greater than the value on your Card, you may be able to use your Card for a split tender transaction or partial authorization transaction. a. Split tender transactions: A split tender transaction is splitting the purchase price between some or all of the funds on your Card and another form of payment. Before you request a split tender transaction, confirm the available balance on your Card by signing on to Wells Fargo Online or by calling the automated 24-hour phone customer service number at Then, ask the merchant if two forms of payment will be accepted for the purchase you wish to make. If the merchant agrees, first request that the merchant debit a specific dollar amount on your Card and then pay the remaining balance using another form of payment. b. Partial authorization: A partial authorization transaction is obtaining authorization to use the amount of funds available on your Card and then paying any balance due with another form of payment. If the merchant has the capability and is willing to do partial authorizations, first request that the merchant debit your Card. The merchant will receive an authorization for an amount equal to that available balance on the Card. The merchant will then notify you of any amounts due in excess of that available balance, and you can use another form of payment to pay the remaining balance. Some retailers will only allow a split tender or partial authorization transaction if the second form of payment is cash or check. Most internet and mail order merchants do not permit split tender or partial authorization transactions. Bank does not guarantee that the merchant will have the capability to do partial authorizations or be willing to accept two forms of payment. 7. Authorization holds For all Card purchase transactions, Bank is permitted to place an authorization hold against your Card. This is a temporary hold against some or all of the funds on your Card if and when an authorization request from a merchant is obtained, and it will be subtracted from the available balance on your Card. In the case of an authorization request at a gasoline merchant or at a restaurant, hotel, or similar merchant, this amount may be different from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when it submits the authorization request. For those transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. (See subsections on Use at gasoline merchants and Use at restaurants, hotels and similar merchants below for more information.) In some other cases Bank may not receive an authorization request from the merchant, and there will be no authorization hold. Bank is permitted to place an authorization hold on 5

8 funds on your Card for up to three (3) business days (or for up to 30 business days for certain types of Card transactions, including but not limited to, car rentals, cash transactions, and international transactions) from the time of the authorization until the transaction is paid from your Card. Please note that if the transaction is not submitted for payment by the merchant within the three (3) business days (or 30 business days, as applicable), Bank will release the authorization hold. This will increase the available balance on your Card until the transaction is submitted for payment by the merchant and finally posted to your Card. WE URGE YOU TO RECORD AND TRACK THESE TRANSACTIONS CLOSELY TO CONFIRM THE FUNDS AVAILABLE ON YOUR CARD. See section 12 of these Terms to see how you may obtain available balance information. a. Use at gasoline merchants: If you use your Card to purchase gasoline, we recommend that you pay inside the station by asking the merchant to authorize your purchase for a specified amount of gas. If you pay at the pump, the electronic terminal at the pump may be programmed to confirm that you have a suffcient available balance on your Card to pay for an average purchase of gas when the merchant submits an authorization request. If you use your Card to purchase gasoline, the authorization amount sent by the merchant may vary. TO AVOID A DECLINE OF, OR A HOLD ON, YOUR AVAILABLE BALANCE, WE RECOMMEND THAT YOU PREPAY FOR YOUR GASOLINE INSIDE THE STATION. Real-Time Clearing: If the merchant engages in Real-Time Clearing, the merchant will submit an estimated authorization request for an amount equal to the merchant s average sale amount, up to $500. We will send an authorization response to the merchant for the requested amount or, if the authorization amount is greater than the available balance on the Card, our authorization response to the merchant will be for the available balance on the Card. You will be permitted to dispense gas using your Card up to the amount of the authorization response we send to the gasoline merchant. The amount of the authorization response may differ from the actual amount of gas you dispense. Once the gasoline merchant notifies us of the actual amount of gas dispensed, we will apply the authorization hold on your Card. The authorization hold will be for the actual amount of gas dispensed. This hold will be placed for up to three (3) business days or until the settled amount is received from the gasoline merchant, whichever occurs first. No Real-Time Clearing: If the merchant is not Real-Time Clearing, and does not support partial authorizations, we will send a $1 authorization response to the merchant. An authorization hold will not be placed at this time. You will be permitted to dispense gas using your Card up to an amount determined by the gasoline merchant. Please note that if the amount dispensed is greater than the available balance on the Card, this will result in an overdraft on your Card. (Please see section 8 for information on overdrafts.) Once the gasoline merchant notifies us of the actual amount of gas dispensed, we will place an authorization hold on your Card. The authorization hold will be for the actual amount of gas dispensed. This hold will be placed for up to three (3) business days or until the settled amount is received from the gasoline merchant, whichever occurs first. If the merchant is not Real-Time Clearing but supports partial authorizations, the $1 authorization request will be changed to $100. If you have suffcient funds available, we will send a $100 authorization response to the merchant. If you do not have an available balance that is at least $100, then our authorization response to the merchant will be for the actual available balance on your Card. An authorization hold will not be placed at this time. You will be permitted to dispense gas using your Card up to the amount of the authorization response we send to the gasoline merchant. Once the gasoline merchant notifies us of the actual amount of gas dispensed, we will apply the authorization hold on your Card. The authorization hold will be for the actual amount of gas dispensed. This hold will be placed for up to three (3) business days or until the settled amount is received from the gasoline merchant, whichever occurs first. b. Use at restaurants, hotels and similar merchants: For merchants that accept tips (e.g., restaurants, spas, hair salons), the authorization request amount may include a fixed 6

9 percentage (approximately 20% or more) above the amount of the actual bill presented to you prior to payment. This additional amount is meant to cover the tip or possible additional charges the merchant expects you may add to the bill. A merchant in the travel business (such as a hotel, car rental agency, or cruise line) will also verify that your Card has suffcient funds to pay an anticipated bill for services requested by you. The authorization amount may be greater than the actual bill (even though only the actual amount of the bill ultimately will be deducted from your Card). If you have an insuffcient available balance on your Card to cover the authorization request amount, your Card may be declined. If you have more than a suffcient available balance on your Card to cover the authorization request amount, it may result in an authorization hold on your available balance for the additional amount if you do not add the amount they expect. The hold will be placed for up to three (3) business days or until the final actual amount is received for payment from your account, whichever occurs first. If you use your Card for car rental or hotel stays, the authorization hold time may be up to 30 business days. (Please see section 7 above regarding the release of authorization holds and its impact on available balances.) 8. Overdrafts You must have a suffcient available balance at the time of a Card transaction to pay for the transaction. If a transaction is submitted against the Card for an amount that is greater than the available balance on your Card, the transaction may not be approved by Bank. If Bank, in its sole discretion, settles or pays a transaction against your Card when the Card has insuffcient funds available to pay for the transaction, this settlement or payment will result in an overdraft on your Card. Bank is under no obligation to allow such overdraft and may, in its sole discretion, cancel your Card due to the overdraft. Please note that it is possible for you to have an overdraft even though the available balance appears to show there are suffcient funds to cover a transaction that you want to make. For example, if a merchant does not submit a point-of-sale Card transaction for payment within three (3) business days (or for up to 30 business days for certain types transactions, including but not limited to, car rental transactions, cash transactions, and international transactions) of authorization, Bank must release the authorization hold on the transaction even though it will have to honor the transaction and create an overdraft in the prepaid subaccount when it is received for payment by Bank. Please see section 7 for information on authorization holds. In the event your Card has an overdraft, we will not charge you a fee for the overdraft. You agree to pay Bank the amount of the overdraft. We may deduct the overdraft amount from future funds loaded to the Card, if any, or from funds in other accounts you have with Bank. If no such funds are available from which Bank can be paid the overdraft amount, then the Card will be closed, and Bank may commence collection efforts to recover the overdraft balance. You agree to reimburse us for the costs and expenses of collection (including attorney s fees and expenses) we incur in collecting the overdraft balance. You also authorize Bank to cancel any recurring preauthorized payments against funds on your Card, subject to section 10 below, by contacting the particular merchant if you or Bank cancels your Card. 9. Receipts and periodic statements Receipts at ATMs. You will get a receipt each time you use an ATM to make an electronic transfer, unless you designate otherwise. The receipt you receive is evidence of the transaction as recorded by the ATM. All transactions are subject to posting, final payment, or verification, as applicable. You can use the receipt to reconcile your periodic statement. Periodic statements. Bank will provide you or make available to you a monthly statement if there are electronic fund transfers in a particular month. Otherwise, Bank will send you or make available to you a statement at least quarterly. 10. Preauthorized payments and Visa Account Updater Service Recurring payments notice of change in amount. If you have authorized a person in advance to regularly debit your Card, and the amounts may vary, the person you are going to pay is required to tell you at least 10 days before each debit, when it will be made and how much it will be. 7

10 Stop payments recurring payments. If you have authorized a person to regularly debit your Card, you can stop any of these debits by calling Wells Fargo Phone Bank at TO-WELLS ( ) in time for Bank to receive your request three (3) business days or more before the debit is scheduled to be made. If you call, Bank may also require you to put your request in writing and deliver it to Bank within 14 days after you call. Visa Account Updater Service. Bank subscribes to the Visa Account Updater Service (VAU). Under this Service, if you give a merchant your Card number and authorize it to bill your Card periodically for recurring payments, and your Card number changes due to replacement of a damaged Card, lost/stolen Card, or an updated Card number, your new Card number will automatically be sent to each merchant that subscribes to the VAU Service. Changes to your Card number as a result of a lost/stolen Card will not be updated if there is reported fraud on the Card number that is being replaced, and you must contact merchants to notify them of your new Card information. Because not all merchants or billing entities subscribe to the VAU Service, you should always notify each individual merchant of your new Card number. 11. Transactions outside the United States If a Card is used to make an ATM withdrawal or a purchase outside the United States, the network that handles the transaction will convert the local currency amount of the transaction to U.S. dollars (or, in the case of a purchase only, the merchant that handles the transaction may convert the currency). If the network converts the currency, it will use either a rate selected by the network from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the network itself receives, or the government-mandated rate in effect for the applicable central processing date. If the merchant that handles the purchase converts the currency, the merchant will determine the currency conversion rate. A fee will be charged for each purchase made with your Card in a foreign currency that has been converted into a U.S. dollar amount by a network. Please see section 28 for fees that apply to transactions outside the United States. 12. Tracking your transactions and available balance You have the right to find out whether an electronic transfer has been credited or debited to your prepaid subaccount. You can contact the Wells Fargo Phone Bank at TO-WELLS ( ) or write Bank at the address listed on the periodic statement that you receive with your Card. We urge you to record and track all of your transactions closely to confirm that the funds in the prepaid subaccount accurately reflect your spending. You may track your available balance and Card activity by: Enrolling in online banking and signing onto Wells Fargo Online; Making a balance inquiry at an ATM (see section 28 for fees that may apply for using non- Wells Fargo ATMs); Calling the Wells Fargo Phone Bank at TO-WELLS ( ) and selecting from the interactive voice response menu; or Enrolling in Text Banking, Mobile Banking, or Account Alerts. Your mobile carrier s text messaging and web access charges may apply. 13. Your liability for unauthorized Card use; lost or stolen Card or PIN; Zero Liability protection Lost or stolen Card: Tell us at once if you believe your Card, your Card number, or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Card. Calling the Wells Fargo Phone Bank at TO-WELLS ( ) is the best way of keeping your possible losses down. You may also write to Bank at the following address: Wells Fargo, Customer Correspondence, P.O. Box 6995, Portland, OR, Subject to the Zero Liability protection below, you could lose all the money on your Card. 8

11 If you tell us within two business days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500. Also, if your electronic transaction history or periodic statement shows transfers that you did not make, including those made by the Card, PIN, or other means, tell us at once. If you do not tell us within 60 days after you electronically accessed the Card transaction history, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Unauthorized transactions and notice of error: In Case of Errors or Questions About Your Card or Electronic Fund Transfers Using Your Card Telephone us at TO-WELLS ( ) or write us at Wells Fargo, Customer Correspondence, P.O. Box 6995, Portland, OR, as soon as you can, if you think your electronic transaction history, statement, or receipt is wrong or you need more information about a transfer listed on the history, statement, or receipt. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. You will need to tell us: (a) your name and Card number; (b) describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your subaccount within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your prepaid subaccount. For errors involving new cards, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new cards, we may take up to 20 business days to credit your prepaid subaccount for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Zero Liability protection: Zero Liability can provide you with protection from unauthorized electronic fund transactions beyond that which is described in these Terms. If you suspect that your Card is lost or stolen, or that an unauthorized electronic fund transaction has been made with your Card or Card number, notify Bank as soon as possible by calling TO-WELLS ( ). A delay in reporting the unauthorized transaction may prevent you from taking advantage of this program. Notices within 60 days of mailing or otherwise making available the first statement. You have Zero Liability for an unauthorized transaction made with your Card or Card number if you notify Bank of the unauthorized transaction within 60 days of when the first statement showing the unauthorized transaction was mailed or otherwise made available to you. Notices more than 60 days after posting or mailing of the first statement. If you do not notify us within this 60-day period, you must prove to our satisfaction that the transaction was unauthorized. Use of your Card is authorized if it is used by you or anyone to whom you have given actual, implied, or apparent authority. You may be required to provide documentation to support your claim, including an affdavit of unauthorized use and a 9

12 police report. Additionally, in evaluating your claim, we consider whether any negligence on your part contributed to the transaction in question. Some of the factors that Bank will consider in connection with our evaluation of unauthorized transactions include: - Timely reporting of lost Card. Whether you reported any loss or theft of your Card to Bank within 48 hours of discovery of the loss or theft. - Prompt review of statements. Whether you promptly reviewed any statement that was provided or made available to you. - Prompt report of unauthorized transaction. Whether following your discovery of an unauthorized use of your Card on your periodic statement, you reported the unauthorized transaction to Bank within 48 hours of the discovery. - Safeguard Card and PIN. Whether you exercised reasonable care in safeguarding your Card, Card number, and PIN from loss or theft. - Multiple prior incidents. Whether you have reported multiple incidents of unauthorized use to Bank within the 12-month period immediately preceding your claim and the facts and circumstances surrounding those incidents. 14. Funds availability policy Bank s policy is to make funds from check deposits to your prepaid subaccount available to you on the first business day after the day we receive your deposit. Electronic direct deposits, cash deposited at a teller window and at a Wells Fargo ATM, and the first $200 of a day s check deposits made through a Wells Fargo ATM will be available on the day we receive the deposit. Certain electronic credit transfers, such as those through card networks or funds transfer systems, will be available on the first business day after the day we receive the transfer. Once they are available, you can withdraw the funds in cash using your Card and we will use the funds to settle transactions against your prepaid subaccount and to pay for fees and expenses that you have incurred. Determining the day of receipt. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before Bank s established cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the deposit was made on the next business day we are open. Cutoff times may vary by location and are posted in each store. The earliest cutoff time for a store is 2:00 p.m. local time. Cutoff time for checks deposited at a Wells Fargo ATM is 9:00 p.m. local time (8:00 p.m. in Alaska). Longer delays may apply. In some cases, Bank will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second or third 1 business day after the day of your deposit. The first $200 of your deposit, however, may be available on the first or second 1 business day. Except as otherwise explained in this paragraph, if Bank is not going to make all funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to a Bank employee, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit. If you need the funds from a deposit right away, you may ask Bank when the funds will be available. 1 Bank may delay availability of funds by one additional business day for certain checks deposited at a Bank location in Alaska. This right applies only if the check is drawn on or payable at or through a paying bank not located in Alaska. 10

13 In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: Bank believes a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your prepaid subaccount repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment. Bank will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. The funds will generally be available no later than the seventh or eighth 1 business day after the day of your deposit. Special rules for new prepaid subaccounts. During the first 30 days your prepaid subaccount is open, if we delay the availability of your deposit, the following additional special rules will apply: The first $5,000 of a day s total deposits of cashier s, certified, teller s, traveler s, and federal, state, and local government checks and U.S. Postal Service money orders made payable to you will be available on the first business day after the day of your deposit. The excess over $5,000 will be available on the seventh business day after the day of your deposit. Funds from all other check deposits will be available on the seventh or eighth 1 business day after the day of your deposit. The first $200 of a day s total deposits of funds from all other check deposits, however, may be available on the first or second 1 business day after the day of your deposit. We will notify you if we delay your ability to withdraw funds and we will tell you when the funds will be available. Holds on other funds (check cashing). If Bank cashes a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your prepaid subaccount. Those funds will be available at the time funds from the check we cash would have been available if you had deposited it. Holds on other funds (other account). If Bank accepts a check for deposit that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your ability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available until the time periods that are described in this policy. Delays on other funds. Funds from any deposit (cash or checks) into prepaid subaccounts domiciled in Iowa and Nebraska made at eligible non-wells Fargo ATMs in those same states will not be available until the third business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified on our machines as Wells Fargo. 15. Confidentiality of information on your Card Bank s privacy policy sets forth how Bank treats and protects your personal information that it obtains when providing the Card services to you. Bank will provide you with a copy of the privacy policy when you open your Card. You should review this privacy policy and retain a copy of it for your records. The privacy policy may be made available to you annually to the extent required under applicable law. Generally, absent your consent, we will not disclose information about your Card or its transactions to third parties, but may do so under the following circumstances: (1) where it is necessary or appropriate for completing transfers or other transactions; (2) to comply with a statute, regulation, or rule; (3) in connection with examinations by state and federal banking 1 Bank may delay availability of funds by one additional business day for certain checks deposited at a Bank location in Alaska. This right applies only if the check is drawn on or payable at or through a paying bank not located in Alaska. 11

14 authorities; (4) to comply with any legal process, including, without limitation, a subpoena, search warrant, or other order of a government agency or court; (5) to verify the existence and condition of your Card for a third party, such as a credit bureau or a merchant; (6) to provide information to your legal representative or successor; (7) to report the involuntary cancellation and revocation of your Card; (8) when we conclude that disclosure is necessary to protect you, your Card, or our interests; (9) to our agents, independent contractors, and other representatives in connection with the servicing or processing of your Card or its transactions, or similar purposes; (10) to our affliated banks and companies; or (11) if you give your permission. 16. Contacting you regarding servicing and/or collections You agree, in order for us to service your Card or to collect any amounts you owe, we may from time to time make calls and/or send text messages to you at any telephone number(s) associated with your Card, including wireless telephone numbers that could result in charges to you. The manner in which these calls or text messages are made to you may include, but is not limited to, the use of prerecorded/artificial voice messages and/or an automatic telephone dialing system. You further agree that, in order for us to service your Card or to collect any amounts you owe, we may send s to you at any address you provide to us. 17. Bank liability; disclaimer of liability If we do not complete an electronic fund transfer to or from your Card on time or in the correct amount according to these Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance, if, through no fault of ours, you do not have enough funds on your Card to make the transfer; if the ATM where you are making the transfer or other transaction does not have enough cash; if the terminal or system was not working properly and you knew about the breakdown when you started the transfer or other transaction; if circumstances beyond our control (such as fire or flood) prevent the transfer or other transaction, despite reasonable precautions that we have taken; or if we are prohibited by law from completing the transaction. In providing the Card and related service to you, Bank disclaims any duty or responsibility other than those expressly set forth in these Terms. 18. Bank right of setoff You agree that Bank is authorized at any time to setoff against the funds associated with your Card or the related prepaid subaccount against your debts or liabilities owed to Bank. Bank may exercise this right of setoff with or without notice to you, to the extent permitted by applicable law. 19. Dormant and inactive cards Your Card is dormant if for one year there is no customer-initiated activity (except where state laws governing your prepaid subaccount require otherwise). If your Card is dormant, Bank may hold all statements for your Card, but normal maintenance and other fees continue to apply except where prohibited. Card privileges (including ATM and point-of-sale access) may also be blocked or terminated. The funds on your Card may be transferred to the appropriate state if no activity occurs with the Card or funds associated with your Card within the time period specified by state law. Bank may charge a fee for mailing a notice of this pending transfer. When the funds on your Card are paid or delivered to the state, your Card is cancelled. To recover funds delivered to the state, you must file a claim with the state. 20. Termination You or Bank may close your Card at any time. Bank may revoke or cancel your Card, and thereby terminate these Terms and demand return of your Card to Bank, at any time and without prior notice. You may close your Card by contacting Bank at TO-WELLS ( ) or visiting a Wells Fargo store location. Termination, whether by you or by 12

15 Bank, will not affect prior transactions or obligations relating to your Card existing at the time of termination. Upon termination, Bank will arrange to transfer any remaining funds associated with the Card to you. We may provide the remaining funds to you by a cashier s check made payable to you and sent by ordinary mail to your most recent address shown on Bank s records (cashier s check fee may apply), or by permitting you to withdraw the funds using your Card at a Wells Fargo banking location. If you close your Card by calling us at TO-WELLS ( ), we may provide the remaining funds to you by transferring the funds to another account you own with Bank. Please note that processing the remaining funds may take up to 10 business days. 21. Amendment We may amend these Terms. This may include adding new or different terms to, or removing terms from these Terms. Except as otherwise required by law, any change to these Terms applies only to transactions that occur, or claims that arise, after the amendment becomes effective. To the extent required by applicable law, we will send a notice of the amendment by delivering it to you in the manner agreed to by you and Bank or to your last address as shown on the records of Bank. You are responsible for promptly notifying us of a change in your mailing address or electronic mail address. 22. Assignment You may not transfer or assign these Terms to any other person without Bank s prior written consent. We may assign our rights and obligations to you under these Terms without your consent or notice to you. 23. Severability; no waiver by Bank If any provision of these Terms is deemed to be unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of any remaining provisions. Bank s failure to enforce the strict performance of any provision of these Terms will not constitute a waiver of Bank s right to subsequently enforce that provision or any other provisions of these Terms. If, however, any provision of section 27 (Dispute resolution program: arbitration agreement) is declared unlawful, void, or unenforceable by judicial determination, then the entire section will be deemed unenforceable. 24. Disputes with merchant If you use your Card to make a purchase from a merchant, and a dispute with the merchant arises, you agree to make a good faith effort to settle the dispute with the merchant. Any unresolved dispute may be sent to us in writing for assistance in settlement. Except as expressly provided for preauthorized payments in section 10 of these Terms, you cannot stop payment to merchants for transactions made through the use of your Card. 25. Governing law These Terms, the Card, and all transactions hereunder are subject to the laws of the United States, and to the extent applicable, the laws of the state of South Dakota, without regard to conflict of law principles. 26. Legal process Bank may accept and act on any legal process that it believes is valid, whether served in person, by mail or by electronic notification, at any location of Bank. Legal process includes a levy, garnishment or attachment, tax levy or withholding order, injunction, restraining order, subpoena, search warrant, government agency request for information, forfeiture, seizure, or other legal process relating to your Card. Any such legal process is subject to Bank s security interest and right of setoff. See section 28 for applicable fees. 27. Dispute resolution program: arbitration agreement This section constitutes the arbitration agreement between you and Bank. a. Binding arbitration. If you have a dispute with Bank, and you are not able to resolve the dispute informally, you and Bank agree that upon demand by either you or Bank, 13

16 the dispute will be resolved through the arbitration process as set forth in this part. A dispute is any unresolved disagreement between you and Bank. It includes any disagreement relating in any way to the Card or related services or matters described in these Terms; to your use of any of Bank s banking locations or facilities; or to any means you may use to access your Card or prepaid subaccount. It includes claims based on broken promises or contracts, torts, or other wrongful actions. It also includes statutory, common law, and equitable claims. Disputes include disagreements about the meaning, application or enforceability of this arbitration agreement. This arbitration agreement shall survive any termination of your account(s). YOU AGREE THAT YOU AND BANK ARE WAIVING THE RIGHT TO A JURY TRIAL OR TRIAL BEFORE A JUDGE IN A PUBLIC COURT. As the sole exception to this arbitration agreement, you and Bank retain the right to pursue in small claims court any dispute that is within that court s jurisdiction. If either you or Bank fail to submit to binding arbitration following lawful demand, the party so failing bears all costs and expenses incurred by the other in compelling arbitration. b. Arbitration procedure; severability. You or Bank may submit a dispute to binding arbitration at any time, regardless of whether a lawsuit or other proceeding has been previously commenced. NEITHER YOU NOR BANK SHALL BE ENTITLED TO JOIN OR CONSOLIDATE DISPUTES BY OR AGAINST OTHERS IN ANY ARBITRATION, OR TO INCLUDE IN ANY ARBITRATION ANY DISPUTE AS A REPRESENTATIVE OR MEMBER OF A CLASS, OR TO ACT IN ANY ARBITRATION IN THE INTEREST OF THE GENERAL PUBLIC OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Each arbitration, including the selection of the arbitrator(s) shall be administered by the American Arbitration Association (AAA), or such other administrator as you and Bank may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the Arbitration Administrator ), according to the Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes ( AAA Rules ). To the extent that there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrators must be members of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the dispute. No arbitrator or other party to an arbitration proceeding may disclose the existence, content or results thereof, except for disclosures of information by a party required in the ordinary course of its business or by applicable law or regulation. The parties agree that in this relationship: (1) The parties are participating in transactions involving interstate commerce; (2) The arbitrator shall decide any dispute regarding the enforceability of this arbitration agreement; and (3) This agreement and any resulting arbitration are governed by the provisions of the Federal Arbitration Act (Title 9 of the United States Code), and, to the extent any provision of that act is inapplicable, unenforceable or invalid, the laws of the state that govern the relationship between you and Bank. If any of the provision of this arbitration agreement dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be illegal or unenforceable, that invalid provision shall not be severable and this entire arbitration agreement shall be unenforceable. c. Rights preserved. This arbitration agreement does not prohibit you or Bank from exercising any lawful rights or using other available remedies to preserve, or obtain possession of property; exercise self-help remedies, including setoff rights; or obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment or the appointment of a receiver by a court of competent jurisdiction. All statutes of limitations applicable to any dispute apply to any arbitration between you and Bank. The provisions of this arbitration agreement shall survive termination or amendment of the deposit relationship or any other relationship between you and Bank. 14

17 d. Fees and expenses of arbitration. Arbitration fees shall be determined by the rules or procedures of the arbitration administrator, unless limited by applicable law. Please check with the arbitration administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the state in which you opened your account limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall exceed this limitation. Unless inconsistent with applicable law, each of us shall bear the expense of our own attorney, expert and witness fees, regardless of which of us prevails in the arbitration. 28. Fee and information schedule Please note that fees may be subject to state and local taxes, which vary by location. Fee description Monthly fees Monthly service fee $5 Fee amount Wells Fargo ATM and banking location transaction fees Non-Wells Fargo ATM fees Fees charged by non-wells Fargo ATM owner/operator apply. Non-Wells Fargo banking location fees Withdrawals and loading funds Balance inquiry Live customer service operator No charge No charge No charge ATM statement fee $1 This service is not available at all Wells Fargo ATM locations. ATM withdrawal fee (U.S.) 2 $2.50 This fee also applies to the following U.S. territories: American Samoa, Guam, Northern Mariana Islands, Puerto Rico, U.S. Minor Outlying Islands, and U.S. Virgin Islands. ATM withdrawal fee (international) 2 $5 Balance inquiry fee (U.S. and international) Card over-the-counter cash disbursement fee (U.S.) Card over-the-counter cash disbursement fee (international) $2 $3 each teller transaction This fee also applies to the following U.S. territories: American Samoa, Guam, Northern Mariana Islands, Puerto Rico, U.S. Minor Outlying Islands, and U.S. Virgin Islands. 3% of transaction amount 15

18 Fee description Miscellaneous fees Other transaction fees Returned deposited item fee Document copy fee Legal process fee Overdraft fee International purchase transaction fee Fees for funding Card with credit card or debit card on initial opening Third party fees Fee amount $12 Deposited items returned as unpaid will result in a returned item fee. $5 per item This fee is charged when you request copies of deposits and statements at a banking location or with a phone banker and online requests for paper copies. $125 each No charge 3% of transaction amount This fee is charged for each purchase made with your Card in a foreign currency that has been converted into a U.S. dollar by a network. No charge Some issuers may charge fees for loading funds to a prepaid card with a credit or debit card, such as cash advance fees. Please check with the issuer of your credit or debit card for fees that may apply. When you use an ATM not owned by us, fees charged by non-wells Fargo ATM owner/operator apply (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). In addition, you may be charged fees by other third parties for use of your Card, such as stores and merchants for point-of-sale transactions, and other banks and financial institutions for cash withdrawals at their branches. 2 For Wells Fargo Worldwide Military customers, the first four ATM cash withdrawal transactions (U.S. and international) made by the Card at ATMs outside of the Wells Fargo ATM network will be waived per fee period. 16

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