Wells Fargo Everyday Checking

Questions?
OSCAR PORTILLO Available by phone 24 hours a day, 7 days a week:
1701 83RD STREET APT 1 , Telecommunications Relay Services calls accepted
NORTH BERGEN NJ 07047
1-800-TO-WELLS (1-800-869-3557)

TTY: 1-800-877-4833
En español: 1-877-727-2932

Online: wellsfargo.com

Write: Wells Fargo Bank, N.A. (338)

P.O. Box 6995
Portland, OR 97228-6995

You and Wells Fargo Account options

Thank you for being a loyal Wells Fargo customer. We value your trust in our A check mark in the box indicates you have these
company and look forward to continuing to serve you with your financial needs. convenient services with your account(s). Go to
wellsfargo.com or call the number above if you have
questions or if you would like to add new services.

Online Banking ✓ Direct Deposit ✓

Online Bill Pay Auto Transfer/Payment
Online Statements ✓ Overdraft Protection
Mobile Banking ✓ Debit Card
My Spending Report ✓ Overdraft Service

IMPORTANT ACCOUNT INFORMATION

Please review an important message about changes we are making to your Everyday Checking account below your transaction detail.

Statement period activity summary Account number: 8076885719

Beginning balance on 2/24 $10,050.00 WALTER RATCLIFFE

Deposits/Additions 951.44 North Carolina account terms and conditions apply
Withdrawals/Subtractions - 2,939.42 For Direct Deposit use
Ending balance on 2/25 $8,062.02 Routing Number (RTN): 053000219

Overdraft Protection
This account is not currently covered by Overdraft Protection. If you would like more information regarding Overdraft Protection and eligibility requirements
please call the number listed on your statement or visit your Wells Fargo branch.
Transaction history

Check Deposits/ Withdrawals/ Ending daily

Date Number Description Additions Subtractions balance
2/10 Kabbage Micro Dpst 080820 2732514 0 0.53
2/10 Kabbage Micro Dpst 080820 2732514 0 0.91
2/15 < Business to Business ACH Debit - Kabbage Micro Dbt 080820 1.44 10,050.00
2732514 0
2/11 Zelle to Arabasadi Arash on 08/11 Ref #Rp08Mzx2Vm 20.00 10,030.00
2/13 Withdrawal Made In A Branch/Store 1,000.00 9,030.00
2/19 Zelle to Arabasadi Arash on 08/19 Ref #Rp08Pdjl98 500.00 8,530.00
2/21 Purchase authorized on 08/20 Remitly* D843 WWW.Remitly.C 1,011.99 7,518.01
WA S460234049374458 Card 9467
2/24 Purchase authorized on 08/21 Remitly* A020 WWW.Remitly.C 405.99 7,112.02
WA S380234548058230 Card 9467
2/24 Ncdes- 950.00 8,062.02
Ending balance on 2/25 8,062.02
Totals $951.44 $2,939.42

The Ending Daily Balance does not reflect any pending withdrawals or holds on deposited funds that may have been outstanding on your account when your
transactions posted. If you had insufficient available funds when a transaction posted, fees may have been assessed.
< Business to Business ACH:If this is a business account, this transaction has a return time frame of one business day from post date. This time frame does not
apply to consumer accounts.

Monthly service fee summary

For a complete list of fees and detailed account information, see the disclosures applicable to your account or talk to a banker. Go to wellsfargo.com/feefaq for a
link to these documents, and answers to common monthly service fee questions.

Fee period 07/24/2020 - 08/25/2020 Standard monthly service fee $10.00 You paid $0.00

We waived the fee this fee period to allow you to meet the requirements to avoid the monthly service fee. This is the final period with the fee waived.
For the next fee period, you need to meet one of the requirements to avoid the monthly service fee.

How to avoid the monthly service fee Minimum required This fee period

3
Have any ONE of the following account requirements

3
· Minimum daily balance $1,500.00 $7,112.02 ✔

3
· Total amount of qualifying direct deposits $500.00 $951.44 ✔

· Total number of posted debit card purchases or posted debit card payments of 10 2

3
bills in any combination
· Age of primary account owner 17 - 24
· The fee is waived when the account is linked to a Wells Fargo Campus ATM or
Campus Debit Card
RC/RC

IMPORTANT ACCOUNT INFORMATION:

Your options to avoid the Everyday Checking account monthly service fee are changing.

Effective with the fee period beginning after October 8, 2020, the option to avoid the $10 monthly service fee with 10 or more
posted debit card transactions will no longer be available, and the minimum daily balance option will be lowered to $500. Once these
changes are effective, the monthly service fee can be avoided with ONE of the following options each fee period:
- Maintain a $500 minimum daily balance
- $500 or more in total qualifying direct deposits*
- Linked to a Wells Fargo Campus ATM or Campus Debit Card**
- Primary account owner is 17 through 24 years old***
If you do not meet one of the options above each fee period, the monthly service fee will be charged for fee periods ending on or after
November 9, 2020.

Fee Period:
The fee period is the period used to calculate the monthly service fee. Your statement includes a monthly service fee summary with
® ®
the dates of your fee period. The monthly service fee summary is also available through Wells Fargo Online or Wells Fargo Mobile .

What remains the same:

- You can continue to use your debit card.
- The Consumer Account Fee and Information Schedule and the Deposit Account Agreement, as amended, continue to apply.

If you have questions about these changes, please contact your local banker or call the number listed on this statement.

Thank you for banking with Wells Fargo. We appreciate your business.

*A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income electronically
deposited through the Automated Clearing House (ACH) network to this checking account by your employer or an outside agency.
Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM do not qualify as a direct
deposit. If at any time the direct deposit discontinues, we will look back 65 days to see if you met the direct deposit requirements
before a monthly service fee is charged.
**Wells Fargo Campus ATM and Campus Debit Cards are available for students, faculty and staff of colleges and universities that
participate in the Wells Fargo Campus Card (SM) program. Ask a banker for additional details about participating colleges and
universities. Your checking account will receive a monthly service fee waiver within 45 days of linking your Campus Card to that
account.
***Primary account owner is an individual that has tax responsibility for the account. On the primary account owner's 25th birthday,
the account will automatically be subject to the then current monthly service fee unless you meet one of the other options to avoid
the monthly service fee.

Sheet Seq = 0018087

Sheet 00002 of 00002
Worksheet to balance your account General statement policies for Wells Fargo Bank
Follow the steps below to reconcile your statement balance with your ■ To dispute or report inaccuracies in information we have furnished to a
account register balance. Be sure that your register shows any interest Consumer Reporting Agency about your accounts. You have the right to
paid into your account and any service charges, automatic payments or dispute the accuracy of information that Wells Fargo Bank, N.A. has
ATM transactions withdrawn from your account during this statement furnished to a consumer reporting agency by writing to us at Overdraft
period. Collection and Recovery, P.O. Box 5058, Portland, OR 97208-5058. Please
A Enter the ending balance on this statement. $ describe the specific information that is inaccurate or in dispute and the
basis for the dispute along with supporting documentation. If you believe
B List outstanding deposits and other the information furnished is the result of identity theft, please provide us
credits to your account that do not appear on with an identity theft report.
this statement. Enter the total in the column
■ In case of errors or questions about your electronic transfers,
to the right.
telephone us at the number printed on the front of this statement or write
us at Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228-6995 as soon as
Description Amount
you can, if you think your statement or receipt is wrong or if you need more
information about a transfer on the statement or receipt. We must hear
from you no later than 60 days after we sent you the FIRST statement on
which the error or problem appeared.
1. Tell us your name and account number (if any).
2. 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
Total $ + $
information.
3. Tell us the dollar amount of the suspected error.
C Add A and B to calculate the subtotal. = $
We will investigate your complaint and will correct any error promptly. If
D List outstanding checks, withdrawals, and we take more than 10 business days to do this, we will credit your account
other debits to your account that do not appear for the amount you think is in error, so that you will have the use of the
on this statement. Enter the total in the column money during the time it takes us to complete our investigation.
to the right.

Number/Description Amount

Total $ - $

E Subtract D from C to calculate the

adjusted ending balance. This amount should be
the same as the current balance shown in your
register. = $ . NMLSR ID 399801
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