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Monthly service fee

Monthly service ee $7 with online only statements ($9 with paper statements)

Requirements to waive the monthlyservice ee (minimum opening

deposit $100)

$0monthly service ee on your Value checking account when you have one o theollowing (during each statement cycle):

$1,500 minimum daily balance

OR

Direct deposits totaling $500 or more

ATM fees

Cash withdrawals at Wells Fargo ATMs $0

Cash withdrawals at non-Wells FargoATMs in the U.S.

$2.50 per withdrawal

Note: Additional ees charged by the ATM owner will apply.

Cash withdrawals at non-Wells FargoATMs outside o the U.S.

$5 per withdrawalNote: Additional ees charged by the ATM owner will apply.

Value CheckingA guide to your common checking account feesAt Wells Fargo we are committed to providing the inormation you need to help manage your account. We developed this summary thelp you understand some o the most common ees that may apply to your checking account. For a complete listing o ees and moredetailed account inormation, please see the Wells Fargo Consumer Account Agreement and Consumer Fee and Inormation Schedu

Overdraft services fees

Overdrat and returned item ees* $25 i this is your 1st time within the prior 12 months, otherwise

$35 per item

Note:

No overdrat ee will be assessed on ATM and everyday debit card transactionsunless Debit Card Overdrat Service is added to the account

No more than 4 overdrat and returned item ees will be charged on any

business day No overdrat ees i at the end o the business day, your account is

overdrawn by $5 or less ater all transactions have posted

No extended or continuous overdrat ee

Overdrat Protection transer/advanceees when you are enrolled we willtranser/advance available unds romyour linked overdrat protection account

$12.50 per transer rom your linked savings account

Note: Transers will count towards the maximum number o six transersand withdrawals per month rom your savings account per governmentrequirements. See the Other common ees section or excess activityees on your savings accounts.

$12.50 i total advance rom your linked credit card or the day is $50 or less,otherwise $20

$12.50 per advance rom your linked Home Equity line o credit account

The inormation in this disclosure may not be entirely accessible to screen readers. Please call the Phone Bank at 1-800-TO-WELLS i you would like to obtain a ree taped version.

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Debit card overdraft service

When you add this service, your ATM and everyday debit card transactions may be approved at the banks discretion when youdo not have enough money in your checking or linked overdrat protection account to cover your transaction.

Option 1 Your account does not come with debit card overdraft services: I you do not add this service and you do nothave enough money in your account, your ATM or everyday debit card transaction will be declined and no overdrat ee will becharged on these transactions.

Option 2 If you add this option: I you add Debit Card Overdrat Service and an ATM or an everyday debit card transactionoverdraws your account, the ollowing ees will apply.

Overdrat ee or ATM and everydaydebit card transactions*

$25 i this is your 1st time within the prior 12 months, otherwise

$35 per item

Note:

No ee i you transer or deposit unds (and no hold is placed on the deposit)to cover the overdrat by the cuto time or each store and Wells Fargo ATM

on the same business day No more than 4 overdrat and returned item ees will be charged on

any business day

No overdrat ees i at the end o the business day, your account isoverdrawn by $5 or less ater all transactions have posted

No extended or continuous overdrat ee

Value Checking

How deposits and withdrawals are processed

Posting order the order your depositsand withdrawals are processed

Transactions are generally posted each business day in this order:

First deposits or incoming transers received beore the deposit cutotime that day

Second your withdrawals (such as ATM and debit card transactions) that havebeen received or payment rom your account. Transactions are sortedin chronological order i known. Otherwise, we post rom lowest tohighest dollar amounts.

Third checks and automatic payments (ACH) rom the highest to lowestdollar amounts

Deposit availability (Hold Policy) whenyour deposits will be made available

Cash deposit with teller: same business day

Electronic direct deposits/wire transers: same business day

Check deposit with teller: depending on the item, unds are generally available onthe next business day.

I we place a hold on a check, the frst $200 will be available on the next business day

The remaining balance will be available no later than the seventh business day ateryour deposit (additional business days may apply to new accounts and certain checks)

We will notiy you o the hold and when the unds will be made available to you

Note: Deposits made beore the cuto time or each store and Wells Fargo ATM willbe processed that day. Deposits made ater the cuto time are treated as made on thenext business day.

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Value Checking

Other common fees

Access to Wells Fargo Online Bankingwith Bill Pay

$3 per month

Cashiers check $10 each

Cashed/Deposited returned item $12 per item or items returned unpaid to Wells Fargo or any reason

Check Image Statements(not available with online statements)

$2 per month or copies o the ront o your checks (10 checks per page)

$3.50per month or copies o the ront and back o your checks (5 checks per page)

Note: The ee is assessed every month, even i no checks are paid against your account.

Check printing Varies

Excess activity ee $10 per item when you have exceeded six transers or withdrawals per month romyour savings account per government requirements

International debit card purchase ee 3% o transaction amount

Money Order (up to $1,000) $5 each

Online bank statements $0

Online check images images o checksyouve written

$0

Stop Payment $31 each

Wire Transer $15 or incoming domestic/internal

$30 or outgoing domestic/internal

*Our overdraft fee may apply whether the overdraft is by check , ATM withdrawal, debit card, electronic transaction or other means. The payment of transactions into overdraft isdiscretionary and the bank reserves the right not to pay. For example, the bank typically does not pay overdrafts if your account is not in good standing or you have had excessiveoverdrafts. You must immediately bring your account to a positive balance.

This summary of fees is applicable to consumer deposit accounts maintained at Wells Fargo Bank locations in California.

2012 Wells Fargo Bank N.A. All rights reserved. Member FDIC. Effective 8/20/12. NMLSR ID 399801

Dispute resolution

I you have a dispute with the Bank, and we are not able to resolve the dispute inormally, you agree that the dispute will beresolved through an arbitration process urther detailed in the Dispute Resolution Program section o the Consumer AccountAgreement. I a claim is eligible to be resolved in small claims court, you may pursue the claim in small claims court.

Getting started guide

This guide includes easy-to-digest inormation about important account unctions, rom making deposits, to keeping track oyour checking account transactions. Youll fnd a handy list o banking terms and defnitions, as well as helpul tips to get themost out o your new account. Youll also discover ways to avoid ees and develop good money management habits, which will

help you build a solid fnancial history.Getting started guide

http://www.wellsfargo.com/gettingstartedhttp://www.wellsfargo.com/gettingstarted