Zelle Transfers

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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement

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Effective September 23, 2022

This Addendum ("Addendum") and the Wells Fargo Online Access Agreement ("OAA") contain the terms and conditions governing your use of the Zelle® Transfer Service. If we make changes to this Addendum, we will update the Addendum on the website. We will notify you of changes following the procedures specified in the OAA. In the event of any inconsistency between this Addendum and the OAA, this Addendum will control.

Please read this Addendum carefully. By agreeing to this Addendum, or using or accessing the Zelle® Transfer Service, you are agreeing to the terms and conditions of this Addendum and the OAA. This Addendum and the OAA include, among other things:

your agreement that each time you use or access the Zelle® Transfer Service, you are authorizing and instructing us to send emails and text messages to the recipient on your behalf; your commitment to us that each person we send a text message or email on your behalf has given you permission for us to do so; your agreement that if you request money from another person using the Zelle® Transfer Service it will not be for an overdue or defaulted debt, court-ordered amounts such as alimony or child support, a gambling debt, or a debt owed to someone other than you; our obligations to you; your obligations as a user of the Zelle® Transfer Service; circumstances under which we may reverse or modify payments or remove money from your account; the ways in which we may send you notices and disclosures; your agreement with us to use binding arbitration for most disputes arising under this Addendum or concerning the Zelle® Transfer Service and to waive the right to a trial by jury; your waiver of class-action rights; limitations on our liability to you; your mutual agreement with us that this Addendum will be governed by the laws of the State of South Dakota, without regard to conflict of law principles; and Zelle®’s disclaimer of warranties, limitations of Zelle®’s liabilities to you, and your indemnification of Zelle® for your use of the Zelle® Transfer Service. Your agreement to these terms is essential to our agreement to provide the Zelle® Transfer Service.

DefinitionsExpand 1. Overview of the Zelle® Transfer ServiceExpand 2. Eligibility to Use the Zelle® Transfer ServiceExpand 3. Enrolling an Email Address, U.S. Mobile Phone Number, or Zelle® Tag to Use the Zelle® Transfer ServiceExpand 4. Use of Emails and Automated Text Messages to Mobile PhoneExpand 5. Fees for the Zelle® Transfer ServiceExpand 6. Accessing Your Funding Account; Terminating AccessExpand 7. Privacy; Authorization to Use Information; Obligation to Update Contact InformationExpand 8. Power of AttorneyExpand 9. Limitation of LiabilityExpand 10. Sending Money to Other UsersExpand 11. Receiving Money; Refunding Payments and Payment DisputesExpand 12. Requesting Money from Another User and Receiving a Request for MoneyExpand 13. Electronic Fund Transfer Provisions Applicable to Consumer AccountsExpand 14. Transfer Transaction HistoryExpand 15. Your Responsibility for ErrorsExpand 16. MiscellaneousExpand 17. Additional Provisions from the Zelle Network®Expand DisclosuresCollapse Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

QSR-0622-00226

LRC-0622

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