Wells Fargo Clear Access Banking SM

November 26, 2024 Page 1 of 4

Questions?
JULIUS P GUTIERREZ Available by phone 24 hours a day, 7 days a week:
EVELYN A GUTIERREZ We accept all relay calls, including 711
2234 34TH AVE 1-800-TO-WELLS (1-800-869-3557)
SAN FRANCISCO CA 94116-1609 En español: 1-877-727-2932

Online: wellsfargo.com
Write: Wells Fargo Bank, N.A. (114)
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

Other Wells Fargo Benefits

3 Things to watch out for when shopping online for the holidays

1. Fake Fraud alerts. Be careful if you receive a call or message about a fraudulent purchase. Always contact the merchant, your
bank or card provider directly to verify.
2. Bogus shipping notifications. Look out for texts or emails that say there's an issue or problem with your package delivery. Don't
click links or open attachments without verifying first.
3. Questionable sellers or sites. Watch out for sellers who pressure you to pay with a payment app, gift card or crypto. Only
purchase concert and sporting events tickets from the original legitimate site. Be cautious of buying a new kitten or puppy from a
social media ad. Meet the pet in person before paying.

Tip: Use a credit card to make online purchases if you can - it has additional security features built in.

How to donate safely this holiday season

This holiday season, safely support your favorite causes and avoid charity scams. Before donating, research new charities using a
resource like Better Business Bureau® or give.org.
November 26, 2024 Page 2 of 4

Statement period activity summary Account number: 3412127338

Beginning balance on 10/25 $10.43 JULIUS P GUTIERREZ
EVELYN A GUTIERREZ
Deposits/Additions 700.00
California account terms and conditions apply
Withdrawals/Subtractions - 675.00
For Direct Deposit use
Ending balance on 11/26 $35.43
Routing Number (RTN): 121042882

Transaction history

Check Deposits/ Withdrawals/ Ending daily

Date Number Description Additions Subtractions balance
11/19 NFCU ACH P2P 241118 Julius P Gutier Julius P Gutierrez 700.00
11/19 Online Transfer to Gutierrez E Everyday Checking xxxxxx0266 650.00
Ref #Ib0Q9Zq7Bv on 11/19/24
11/19 Online Transfer Ref #Ib0Q9Zqbpf to Platinum Card 25.00 35.43
Xxxxxxxxxxxx4169 on 11/19/24
Ending balance on 11/26 35.43

Totals $700.00 $675.00

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.

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 10/25/2024 - 11/26/2024 Standard monthly service fee $5.00 You paid $0.00

How to avoid the monthly service fee Minimum required This fee period
Have any ONE of the following each fee period
• Age of primary account owner 13 - 24 ÷
• Account is linked to a Wells Fargo Campus ATM Card or Campus Debit Card 1 0
RD/RD

IMPORTANT ACCOUNT INFORMATION

ATM Cash Deposit Security Limitations

Effective November 6, 2024, the section of the Deposit Account Agreement titled "Depositing Funds," subsection titled "Our right to
decline deposits," is deleted and replaced with the following:

Our right to decline deposits

We may decline all or part of a deposit, including cash, for any reason. This could happen, for example, if a payee isn't a co-owner,
authorized signer, or authorized representative on your account, we can't verify an endorsement, the check was issued from a credit
account, the dollar amount of the deposit, the check looks suspicious, or it's a non-U.S. item. If we decline a deposit that you mailed
November 26, 2024 Page 3 of 4

to us, we may return it to you at your cost (including charging you for postage and handling to return foreign currency coin or
paper), or retain any invalid checks or other documents included in the deposit without crediting your account, at our discretion.
There are limits on the total dollar amount of checks that can be deposited at Wells Fargo ATMs per transaction. We may decline
ATM check deposits that exceed $1 million. For security reasons there may also be limits on the dollar amount or frequency of cash
deposits you can make at Wells Fargo ATMs.

If we cannot verify an endorsement, we can also decline to pay, cash, or send the item for collection. We can require that all
endorsers be present and that you deposit the item instead of cashing it.

Non-account owners are not allowed to deposit cash into consumer accounts. For business accounts, any person wanting to make
a cash deposit must provide an acceptable form of identification before we accept a cash deposit.

Wells Fargo Deposit Account Agreement: Changes To Consumer Arbitration Agreement And Other Dispute Resolution Provisions

Effective November 6, 2024, we are updating the Wells Fargo Deposit Account Agreement. This includes changes to the dispute
resolution provisions. Wells Fargo greatly values and appreciates its relationships with its customers. These changes are designed
to ensure that in the unlikely event that a dispute arises between us, that there are streamlined procedures in place to ensure a fair
and efficient process in arbitration.

The changes to the arbitration agreement applicable to Consumer Accounts ("Arbitration Agreement" or "Agreement") can be found
at pp. 38-39 of the Wells Fargo Deposit Account Agreement, including: (a) the party initiating arbitration must sign the arbitration
demand and include certain information in its demand; (b) any party may request to have the arbitration conducted by a video or
in-person hearing or through written submissions, with certain exceptions; (c) like in federal court, the arbitrator may issue
sanctions or order cost shifting under certain circumstances consistent with the Federal Rules of Civil Procedure; (d) all issues are for
the arbitrator to decide, except that issues relating to whether an arbitration agreement exists or whether a dispute falls within that
agreement, or whether the agreement is enforceable, are for a court to decide; and (e) a small claims court will determine whether a
dispute falls within its jurisdiction if a party chooses to have a claim brought to such a court.

The updates also include changes to the Additional Terms and Services, located at pp. 42-43 of the Wells Fargo Deposit Account
Agreement, including: (a) modifications to the class action waiver applicable in arbitration and litigation; and (b) the addition of a
venue provision noting that if the Arbitration Agreement is ever deemed not applicable, then, except for disputes brought in small
claims court, the parties consent to the jurisdiction of the state or federal courts in the state whose laws govern the consumer's
account.

The revised Deposit Account Agreement, effective November 6, 2024, is available at

www.wellsfargo.com/online-banking/consumer-account-fees/, by calling the Bank at the number listed on your account statement,
or by visiting a branch.

Other Wells Fargo Benefits

Help take control of your finances with a Wells Fargo personal loan.
Whether it's managing debt, making a large purchase, improving your home, or paying for unexpected expenses, a personal loan
may be able to help. See personalized rates and payments in minutes with no impact to your credit score.
Get started at wellsfargo.com/personalloan.
November 26, 2024 Page 4 of 4

Worksheet to balance your account Important Information You Should Know

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.
paid into your account and any service charges, automatic payments or Wells Fargo Bank, N.A. may furnish information about deposit accounts to
ATM transactions withdrawn from your account during this statement Early Warning Services. You have the right to dispute the accuracy of
period. information that we have furnished to a consumer reporting agency by
A Enter the ending balance on this statement. $ writing to us at Overdraft Collection and Recovery, P.O. Box 5058, Portland,
OR 97208-5058. Include with the dispute the following information as
B List outstanding deposits and other available: Full name (First, Middle, Last), Complete address, The account
credits to your account that do not appear on number or other information to identify the account being disputed, Last
this statement. Enter the total in the column four digits of your social security number, Date of Birth. Please describe the
to the right. specific information that is inaccurate or in dispute and the basis for the
dispute along with supporting documentation. If you believe the
Description Amount information furnished is the result of identity theft, please provide us with
an identity theft report.
• If your account has a negative balance: Please note that an account
overdraft that is not resolved 60 days from the date the account first
became overdrawn will result in closure and charge off of your account. In
this event, it is important that you make arrangements to redirect recurring
deposits and payments to another account. The closure will be reported to
Total $ + $ Early Warning Services. We reserve the right to close and/or charge-off
your account at an earlier date, as permitted by law. The laws of some
C Add A and B to calculate the subtotal. = $ states require us to inform you that this communication is an attempt to
collect a debt and that any information obtained will be used for that
D List outstanding checks, withdrawals, purpose.
other debits to your account that do not appear
• In case of errors or questions about your electronic transfers:
on this statement. Enter the total in the column
Telephone us at the number printed on the front of this statement or write
to the right.
us at Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228-6995 as soon as
you can, if you think your statement or receipt is wrong or if you need
Number/Description Amount 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 information.
3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If
we take more than 10 business days to do this, we will credit your account
for the amount you think is in error, so that you will have the use of the
money during the time it takes us to complete our investigation.
• In case of errors or questions about other transactions (that are not
electronic transfers):
Promptly review your account statement within 30 days after we made it
available to you, and notify us of any errors.
• To download and print an Account Balance Calculation Worksheet (PDF) to
help you balance your checking or savings account, enter
www.wellsfargo.com/balancemyaccount in your browser on either your
computer or mobile device.

- $
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. = $ ©2 021 We lls Fargo Bank, N.A. All rights res erved . Member FDIC . NMLSR ID 39980 1