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WellsFargo.com - Online Advertising Privacy Statement
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ONLINE ACCESS AGREEMENT

	 ONLINE ACCESS AGREEMENT FOR WELLS FARGO ONLINE® AND WELLS FARGO BUSINESS ONLINE® SERVICES  

	 This Agreement revised and effective as of September 17, 2013  

	 This Agreement (this "Agreement") governs your use of Wells Fargo Online®, Wells Fargo Business Online®, and Wells Fargo Advisors online services. In this Agreement, the word "Service" refers to all Wells Fargo Online, Wells Fargo Business Online, and Wells Fargo Advisors online services.  

	 PLEASE READ THIS AGREEMENT CAREFULLY. BY CLICKING "I AGREE" BELOW OR USING THE SERVICE, YOU ARE AGREEING TO THE TERMS OF THIS AGREEMENT. THIS AGREEMENT INCLUDES, AMONG OTHER THINGS:  

 	 OUR OBLIGATIONS TO YOU;
 	 YOUR OBLIGATIONS AS A USER OF THE SERVICE;
 	 WAIVER OF "TWO OR MORE SIGNATURE" REQUIREMENTS ON ACCOUNTS;
 	 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 AGREEMENT OR CONCERNING THE SERVICE AND TO WAIVE THE RIGHT TO A TRIAL BY JURY;
 	 YOUR WAIVER OF CLASS-ACTION RIGHTS;
 	 LIMITATIONS ON OUR LIABILITY TO YOU; AND
 	 YOUR MUTUAL AGREEMENT WITH US THAT SOUTH DAKOTA LAW WILL CONTROL THIS AGREEMENT, WITHOUT REGARD TO CONFLICT-OF-LAW RULES.

	TABLE OF CONTENTS

	DEFINITIONS 

	 WHAT'S PART OF THIS AGREEMENT; YOUR OTHER AGREEMENTS WITH US; CONFLICTS BETWEEN AGREEMENTS 

 	 What's part of this Agreement
 	 Your other agreements with us and conflicts between agreements

	 YOUR USE OF THE SERVICE; OWNERS, AUTHORIZED REPRESENTATIVES AND DELEGATES; WAIVER OF REQUIREMENT FOR TWO OR MORE SIGNATURES 

 	 Your use of the Service
 	 Owners, Authorized Representatives and Delegates
 	 Waiver of requirement for two or more signatures

	 ACCESSING ELIGIBLE ACCOUNTS AND ONLINE FINANCIAL SERVICES THROUGH THE SERVICE AND TERMINATING ACCESS 

 	 Gaining online access to or using the Service
 	 Terminating your access to the Service

	 ADDITIONAL PROVISIONS FOR ELIGIBLE ACCOUNTS AND ONLINE FINANCIAL SERVICES 

 	 Removal of online access
 	 Timing for completion of funds transfers initiated through the Service
 	 System maintenance and online account access
 	 Linking and displaying Eligible Accounts
 	 Communicating electronically on your behalf

  	 ADDITIONAL PROVISIONS FOR BUSINESS ELIGIBLE ACCOUNTS 

	 BILL PAY 

 	 Description of Bill Pay
 	 Fees
 	 No duty to monitor Bill Pay payments
 	 Bill Pay stop payment or change instructions
 	 Scheduling Bill Pay payments
 	 Errors
 	 Accounts accessible by more than one person
 	 Termination of Bill Pay
 	 Bill Pay provisions control
 	 Additional provisions for Businesses

	 WELLS FARGO EBILLS 

 	 Description of Wells Fargo eBills
 	 Requirements
 	 Individual and joint responsibility
 	 Fees
 	 Hours of accessibility
 	 Consent to electronic communications
 	 Termination of eBills
 	 Payment processing
 	 Changes to charges, fees or other terms
 	 Questions or error correction on statements delivered through Wells Fargo eBills
 	 Other general terms

	 WELLS FARGO SAME DAY PAYMENTSSM SERVICE 

 	 Description of service
 	 Fees
 	 No duty to monitor payments
 	 Stop or change instructions
 	 Scheduling payments
 	 Errors
 	 Provisions for business

	 ELECTRONIC FUND TRANSFER (EFT) PROVISIONS FOR CONSUMERS 

 	 Applicability
 	 Your liability for unauthorized EFTs
 	 In case of errors or questions about your EFTs
 	 Documentation
 	 Notice of change in amount
 	 Stop payment of preauthorized EFTs

	 ALERTS 

 	 Description of alerts
 	 Registration for alerts
 	 Email security and delivery timing
 	 Termination of alerts

	 ONLINE STATEMENTS 

 	 Description of online statements
 	 Eligible accounts for online statements
 	 Enrollment for online statements
 	 Accessing your online statements
 	 Change statement delivery method
 	 Year-end tax reporting documents
 	 Termination of online statements

	 USE OF FINANCIAL MANAGEMENT SOFTWARE 

 	 Description of Financial Management Software
 	 Online Banking and Bill Pay access through your Financial Management Software
 	 Account information
 	 Security of data transmission and storage
 	 Fees for connecting to the Service through Financial Management Software
 	 Transfers using your Financial Management Software
 	 Fees for Bill Pay using your Financial Management Software
 	 Bill Pay using your Financial Management Software
 	 Disclaimers
 	 Additional limitations of liability for access to the Service through your Financial Management Software

	 THIRD-PARTY SOFTWARE AND THIRD-PARTY CONTENT 

 	 Description of Third-Party Software
 	 Description of Third-Party Content
 	 Security of data transmission and storage for Third-Party Software
 	 Disclaimers for Third-Party Software and Third-Party Content
 	 Additional limitations of liability for Third-Party Software

  	 USING EMAIL TO SEND INFORMATION AND INQUIRIES TO US 

	 FEES YOU WILL PAY AND MODE OF PAYMENT 

 	 Fees for Eligible Accounts and Online Financial Services
 	 Mode of payment

	 SECURITY FOR YOUR ELIGIBLE ACCOUNTS AND ONLINE FINANCIAL SERVICES 

 	 Passwords and protecting your security
 	 Protecting your security

  	 PRIVACY AND USE OF INFORMATION 
 	 ADDITIONAL RESPONSIBILITIES 

	 DISCLAIMER OF WARRANTIES; LIMITS ON OUR LIABILITY AND OBLIGATIONS TO YOU; YOUR AGREEMENT TO INDEMNIFY US AGAINST CERTAIN LOSSES 

 	 Disclaimer of warranties
 	 Limits on our liability and obligations to you
 	 Your agreement to indemnify us

	 DISPUTE RESOLUTION PROGRAM: ARBITRATION PROVISION; WAIVER OF CLASS ACTION RIGHTS; WAIVER OF RIGHT TO A JURY TRIAL 

 	 Non-judicial resolution of disputes
 	 Definition of disputes
 	 Binding arbitration; waiver of class action rights; severability
 	 Rights preserved
 	 Miscellaneous
 	 Fees and expenses of arbitration
 	 Small Claims Court

	 NOTICES AND COMMUNICATION 

 	 Generally
 	 Electronic delivery and communication
 	 Returned, unclaimed account-related information
 	 Address changes
 	 Implementation of notices

  	 EXPORT CONTROL; INTERNATIONAL USE 

	 GENERAL PROVISIONS 

 	 Amendments to this Agreement
 	 Termination of this Agreement
 	 Governing law
 	 Assignment
 	 Proprietary rights
 	 Entire agreement
 	 Waiver
 	 Failure to act is not a waiver
 	 Headings

	DEFINITIONS 

	In this Agreement, the words: 

 	 "We," "us," "our" and "Wells Fargo" means Wells Fargo Bank, N.A. and any of its affiliates or direct or indirect subsidiaries, when any of them have established an Eligible Account or provided an Online Financial Service. 
 	 "You" or "your" means, as applicable, each Owner of an Eligible Account, a person applying for an Eligible Account, any Trust and Managed Investment account Eligible Beneficiary entitled to online access, or a Delegate. 
 	 "Authorized Representative" means a person with authority to take action or make decisions on behalf of another person with respect to an Eligible Account or an Online Financial Service, and includes any person who may (i) manage or administer an Eligible Account or an Online Financial Service, or (ii) authorize another person to access an Eligible Account or Online Financial Service. 
 	 "Business" means any person or entity other than a Consumer that has an Eligible Account with respect to which an Online Financial Service is requested. 
 	 "Business Eligible Account" means an Eligible Account owned by a Business. 
 	 "Business Day" means Monday through Friday, excluding Saturday, Sunday and federal banking holidays for bank accounts and products and/or services, and U.S. stock exchange holidays for brokerage accounts. 
 	 "Consumer" means a natural person who has an Eligible Account for which an Online Financial Service is requested primarily for personal, family or household purposes. 
 	 "Consumer Eligible Account" means an Eligible Account owned by a Consumer. 
 	 "Delegate" means a person described in subsection 2.B.3 of this Agreement. 
 	 "Delegate Tool" means an access management tool described in subsection 2.B.3 of this Agreement. 
 	 "Eligible Account" means each Wells Fargo product you have with us, or apply for, which may be applied for or is accessible through the Website. Eligible Accounts include deposit accounts, loans, credit cards, lines of credit, investment products, brokerage accounts, reward accounts, and other products or accounts you maintain with us. 
 	 "Eligible Beneficiary" means a person designated by the governing document as the recipient or potential recipient of funds from a Trust and Managed Investment account and who is eligible for online access to that account, and any Authorized Representative of that person. 
 	 "Financial Management Software" has the meaning described in subsection 12.A of this Agreement. 
 	 "Handheld Device" includes a cell or mobile phone, tablet computer, or personal digital assistant (PDA) satisfying hardware and software requirements as specified by us from time to time. 
 	 "Include" and "including", when used at the beginning of a list of one or more items, indicates that the list contains examples - the list is neither exclusive nor exhaustive and the items in the list are intended only as illustrations. They are not the only possible items that could appear in the list. 
 	 "Mobile Banking Service" means each of the variety of products and services you may access through the Service using a Handheld Device, or by other means. These products and services include, without limitation, browser and text banking. Not all Eligible Accounts are accessible through the Mobile Banking Service. 
 	 "Online Access Process" means the terms under which you are allowed to access and use the Service via the Website, the process or procedures you use in order to obtain access to the Service (including required security procedures) via the Website, and our right to change, suspend or terminate all or part of the Service, this Agreement or your access to the Service. 
 	 "Online Financial Service" means each of the variety of products and services you may access or enroll in through the Website and other related services, including, without limitation, the Mobile Banking Service. Not all of the products and services available through the Online Financial Service may be available through the Mobile Banking Service. The term Online Financial Service includes actions you take, and instructions you give us, through the Website concerning the opening or maintenance of Eligible Accounts. Online Financial Service also includes information we make available to you on the Website concerning certain insurance policies you have purchased through us. However, the term Online Financial Service does not include an Eligible Account. 
 	 "Owner" means each person who is an owner of an Eligible Account as indicated in our records, and any Authorized Representative of that person. 
 	 "Service" means all Wells Fargo Online, Wells Fargo Business Online, and Wells Fargo Advisors online services, and includes all the Eligible Accounts and Online Financial Services you can access via the Website after entering into this Agreement. 
 	 "Trust and Managed Investment account" means each Wells Fargo investment management or trust account you have with us which is an Eligible Account, including, but not limited to, trust administration, investment management, fiduciary and certain custodial accounts. Trust and Managed Investment does not include employer-sponsored retirement or deferred compensation accounts. 
 	 "Website" refers to all Wells Fargo Online, Wells Fargo Business Online and Wells Fargo Advisors online services websites and all other web pages maintained by us and accessible through wellsfargo.com, wellsfargoadvisors.com or through wf.com as to the Mobile Banking Service and m.wellsfargoadvisors.com as to the Mobile Brokerage Service. It also includes any other website or web pages you can access only after you, or a person for whom you are acting as an Authorized Representative, enter into this Agreement as a condition to accessing the website. It does not include any website that has its own separate agreement governing online access. 

-------------------------

	INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED, NO BANK GUARANTEE, MAY LOSE VALUE 
-------------------------

	 1. WHAT'S PART OF THIS AGREEMENT; YOUR OTHER AGREEMENTS WITH US; CONFLICTS BETWEEN AGREEMENTS  

	 A. WHAT'S PART OF THIS AGREEMENT
 The Service is subject to this Agreement and also to the following, which are considered part of this Agreement:  

 	 the General Terms of Use for the Website;
 	 the terms or instructions appearing on a screen when enrolling for, activating, accessing, or using the Service;
 	 Wells Fargo's rules, procedures and policies, as amended from time to time, that apply to the Service, any Eligible Account, or any Online Financial Service;
 	 the then-current rules and regulations of any funds transfer system or payment system used in connection with an Eligible Account or Online Financial Service; and
 	 state and federal laws and regulations, as applicable.

	 B. YOUR OTHER AGREEMENTS WITH US AND CONFLICTS BETWEEN AGREEMENTS 
In addition to this Agreement, you may have a separate agreement for each of your Eligible Accounts and Online Financial Services, and those agreements will continue to apply to each of them.  

	 If this Agreement conflicts with another agreement, or another agreement has terms that are not addressed in this Agreement, then the other agreement will control and take precedence, unless this Agreement specifically states otherwise. The other agreement will only control with respect to the Eligible Account or Online Financial Service it is associated with, and only to the extent necessary to resolve the conflict or inconsistency. Additional provisions regarding online services or features that appear in another agreement covering your Eligible Account or Online Financial Service, but not in this Agreement, will apply.  

	 To illustrate, if your Eligible Account or Online Financial Service is covered by another agreement and a dispute arises between you and us under that agreement, then the dispute resolution and governing law provisions in that other agreement will control.  

	 There is an exception to the general rule described in this Section 1. If another agreement you have with us includes terms that address the Online Access Process, this Agreement will control and take precedence in resolving any inconsistencies between this Agreement and the terms in the other agreement that address the Online Access Process.  

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	 2. YOUR USE OF THE SERVICE; OWNERS, AUTHORIZED REPRESENTATIVES AND DELEGATES; WAIVER OF REQUIREMENT FOR TWO OR MORE SIGNATURES  

	 A. YOUR USE OF THE SERVICE 
Subject to the terms and conditions of this Agreement, you may use the Service to access your Eligible Accounts, obtain Online Financial Services, and perform authorized transactions through the Website. The available categories of Eligible Accounts and Online Financial Services are described on our Website and may change from time to time, at our sole option. With respect to your Eligible Accounts, available transactions may include obtaining balance information, transaction history and other information. In some instances, balances and transaction history may only reflect activity conducted through the close of the previous Business Day. Insurance policy information is provided purely for informational purposes and current, accurate coverage information is only available directly from your insurance carrier.  

	 We may occasionally introduce new features to the Service or eliminate features from the Service. When this happens, we will update our Website accordingly.  

	 You agree that you are:  

 	 solely responsible for acquiring and maintaining a computer or any other electronic device and equipment that can handle and access the Service; and
 	 responsible for all costs associated with accessing the Service and your Eligible Accounts and Online Financial Services.

	 B. OWNERS, AUTHORIZED REPRESENTATIVES AND DELEGATES  

	If an Eligible Account is owned by more than one person or has more than one Authorized Representative, each such person individually has the right to provide us with instructions, make any decision, obtain any information or make any request associated with the Eligible Account and related Online Financial Services, to the extent allowed by the terms, conditions or governing provisions of the Eligible Account. You agree that each of your Authorized Representatives will be acting as your agent and will be bound by this Agreement and any separate agreement governing the Eligible Account or Online Financial Service. We may rely and act on the instructions of any such person without incurring liability to you. All transactions that an Authorized Representative performs on an Eligible Account or Online Financial Service, including those you did not want or intend, are transactions authorized by you. You are solely responsible for those transactions, and we are not responsible for them.  

	If you make a person an authorized signer on an Eligible Account, and that authorized signer is enrolled in the Service, we may in our discretion treat that authorized signer as an Authorized Representative. If you notify us that an Authorized Representative is no longer authorized, only transactions that you did not want or intend and that the Authorized Representative performs after you notify us, and we have a reasonable opportunity to act on the notice, will be considered unauthorized transactions. Please refer to the specific agreements for your Eligible Accounts and Online Financial Services for more details.  

	From time to time, we may offer tools on the Website or through other channels for managing the authority of some of your Authorized Representatives ("Delegate Tools"). Delegate Tools permit you, either directly or through us, to limit or control the access that certain of your Authorized Representatives will have to, or tasks they can perform with, an Eligible Account or Online Financial Service. An Authorized Representative acting within the authority established using the Delegate Tools will be called a "Delegate" in Paragraphs B.3 through B.10 of this Agreement. Any Owner of an Eligible Account may use the Delegate Tools to establish a Delegate. We may provide Delegate Tools that permit one Delegate to establish, or manage the access of, another Delegate. A Delegate may also, as an Authorized Representative, have other authority in addition to the authority established using the Delegate Tools. A Delegate appointment by one Owner of an Eligible Account will be considered a Delegate appointment by all other Owners of that Eligible Account. YOU AGREE THAT YOU, AND NOT WE, ARE RESPONSIBLE FOR SUPERVISING ALL OF YOUR AUTHORIZED REPRESENTATIVES AND MONITORING THE ACTIONS THEY TAKE ON YOUR BEHALF, WHETHER OR NOT WE PROVIDE DELEGATE TOOLS FOR MANAGING THEIR AUTHORITY.  

	All transactions that a Delegate performs on an Eligible Account or Online Financial Service within the scope of the authority you grant using the Delegate Tools, including any transactions you did not want or intend, are transactions authorized by you. You are solely responsible for those transactions, and we are not responsible for them. If you revoke or change the authority of a Delegate using the Delegate Tools, only transactions that you did not want or intend and that the Delegate performs after you change their authorization, and we have a reasonable opportunity to act on that notice, will be considered unauthorized transactions. To notify us that you want to terminate a Delegate appointment you have made on the Website, you must access the Website using your username and password, select the applicable link to manage access to your accounts on the Account Services page, and follow the directions to delete the Delegate, or you must contact Wells Fargo Online Customer Service by calling 1-800-956-4442 with your notification to remove the Delegate. If you have made a Delegate appointment through another channel, you must follow the process for terminating the Delegate appointment through that same channel.  

	We may, at our option, permit you to authorize a Delegate to initiate funds transfers or other transactions on an Eligible Account or through an Online Financial Service. If you authorize a Delegate to initiate fund transfers or other transactions on an Eligible Account, then you are also agreeing that for purposes of such transactions the Delegate is an authorized signer on the Eligible Account, subject to the terms of the separate agreement for your applicable Eligible Account. In addition, if you make a person an authorized signer on an Eligible Account, and that authorized signer is enrolled in the Service, we may in our discretion treat that authorized signer as a Delegate and automatically assign View and Transact authority to that Delegate, as described in paragraph B.7 below.  

	You agree that you may only appoint Delegates, at our sole option, in accordance with the requirements and procedures we provide to you from time to time. This provision takes precedence over any conflicting provision in any other agreement you have with us. We may discontinue offering Delegate options or permitting Delegates to access your Eligible Account or Online Financial Services at any time, without prior notice.  

	The Service includes the following types of Delegates: 

 	 GUEST USER, a person to whom you allow online access through his or her first name, last name, and email address, but with authority only to view your Eligible Account balance and transaction information. 
 	 VIEW ONLY, a person with his or her own username and password for accessing the Service and for whom you authorize online access to an Eligible Account or Online Financial Service, but with authority only to view balance and transaction information. 
 	 VIEW AND TRANSACT, a person with his or her own username and password for accessing the Service and to whom you authorize online access to an Eligible Account or Online Financial Service with authority to engage in and authorize specified transactions with respect to that Eligible Account or Online Financial Service, as permitted by the Service. 

	 Some Delegate features may not be available for certain accounts or customers.   

	You are responsible for ensuring that each Delegate maintains the confidentiality of his or her username, password, or other login identification.  

	You agree that each Delegate will access and use each Eligible Account, and Online Financial Services, in accordance with the authority given to the Delegate by the delegating Owner. Each time the Delegate accesses, views, or transacts on an Eligible Account or Online Financial Service, you represent and warrant to us that the Delegate's action is authorized by the delegating Owner. If we receive conflicting instructions, or if we believe that an Eligible Account's security or our security may be at risk as a result of a Delegate, we may at our sole discretion terminate the Delegate's access to the Service, an Eligible Account, or an Online Financial Service, or prevent the individual from being a Delegate, without prior notice to you or any account Owner.  

	The authority of a Delegate will terminate: (a) when we are notified by an Owner through the appropriate channel that the Delegate's authority is terminated and we have a reasonable opportunity to act on the notice, (b) when we are notified by an Owner that the Owner appointing the Delegate ceases to be an Owner on the Eligible Account and we have a reasonable opportunity to act on the notice, (c) in the case of Consumer accounts and sole-proprietor Business accounts, upon our receiving written notice of the death or incapacity of the delegating Owner from a court of competent jurisdiction or from a source that we consider official and reliable and we have a reasonable opportunity to act on the notice, (d) at our sole discretion if an Owner or Delegate breaches any provision of this Agreement, or (e) when, in the case of a View Only Delegate or View and Transact Delegate, the Delegate ceases to be enrolled in the Service.  

	 C. WAIVER OF REQUIREMENT FOR TWO OR MORE SIGNATURES
 You agree that any requirement of verifying two or more signatures on any item, such as checks, will not apply to electronic or telephone transfers, and we will have no liability when making these kinds of transfers without the requisite verification. This means that any person who is an authorized signer on your Eligible Account is authorized by you to individually make electronic or telephone transfers, even though that person's authority to transfer or withdraw funds from your account by some other means (e.g., by check) must be exercised jointly with one or more other persons. This provision controls and takes precedence over any conflicting provision in any other agreements you have with us.  

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	 3. ACCESSING ELIGIBLE ACCOUNTS AND ONLINE FINANCIAL SERVICES THROUGH THE SERVICE AND TERMINATING ACCESS  

	 A. GAINING ONLINE ACCESS TO OR USING THE SERVICE
 You authorize Wells Fargo to provide access to your Eligible Accounts and Online Financial Services through the Service. You may access your Eligible Accounts and Online Financial Services through the Website to obtain information and perform transactions as authorized on the Website.  

	 To access your Eligible Accounts and Online Financial Services through our Website you must have a username, a password and the required hardware and software as described on the Website. You must also comply with any other security procedures and policies we may establish from time to time.  

	 Subject to the terms of this Agreement, you will generally be able to access your Eligible Accounts and Online Financial Services through the Website 7 days a week, 24 hours a day. At certain times, the Service may not be available due to system maintenance or circumstances beyond our control.  

	 You must provide all telephone and other equipment, software (other than any software provided by us) and services you need to access the Service.  

	 When using the Mobile Banking Service, you may generally access certain Eligible Accounts through the mobile browser and receive certain information through text messaging under this Service, using a Handheld Device.  

	 B. TERMINATING YOUR ACCESS TO THE SERVICE  

	FOR VIOLATION OF THE AGREEMENT: If you violate any terms of this Agreement (including the failure to pay fees under any applicable fee schedule) or any other agreement you have with us, you agree that we may suspend or terminate your access to any one or more of your Eligible Accounts and Online Financial Services. We will not be required to reinstate or re-activate your access.  

	BY YOUR OWN CHOICE: If you close all of your Eligible Accounts and terminate your Online Financial Services, or withdraw from the Service, we may suspend or terminate your access without prior notice to you. In some cases, if you close your Eligible Accounts, you may also lose access to your Online Financial Services and we may terminate your access to the Service. We will not be required to reinstate or re-activate your access. Also, if you have no Eligible Accounts linked to the Service, or do not use the Service for a period of 24 consecutive months, we may, in our sole discretion, terminate your access without prior notice to you.  

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	 4. ADDITIONAL PROVISIONS FOR ELIGIBLE ACCOUNTS AND ONLINE FINANCIAL SERVICES  

	 A. REMOVAL OF ONLINE ACCESS
 For each Eligible Account, you may request removal of online access by sending an email through the Service or by calling Wells Fargo Online Customer Service at 1-800-956-4442, or for Wells Fargo Advisors accounts call 1-877-879-2495.  

	 B. TIMING FOR COMPLETION OF FUNDS TRANSFERS INITIATED THROUGH THE SERVICE
 Except as otherwise stated on the Website or in our other agreements with you, a funds transfer completed through the Service before the transfer cut-off time on a Business Day will be posted to your Eligible Account the same day, except for credit card, line of credit, loan and mortgage transactions, which may take up to 3 Business Days to process but will post as of the Business Day the transaction was made. All transfers completed after the transfer cut-off time on a Business Day, or at any time on a day that is not a Business Day, will be posted on the next Business Day. Please note:  

 	 For funds transfers between financial institutions, those transfers will be processed, completed and posted by the other institution in accordance with its own rules, 
 	 Funds transfers to and from standard brokerage accounts, if permitted, may have different transfer cut-off times or posting times, and 
 	 Funds transfers initiated through the Service for person-to-person payments may have different transfer cut-off or posting times. 

	 C. SYSTEM MAINTENANCE AND ONLINE ACCOUNT ACCESS
 At certain times, online access to one or more of your Eligible Accounts or Online Financial Services may not be available due to system maintenance or circumstances beyond our control. During these times, for banking services you may be able to use our Online Customer Service at 1-800-956-4442, a Wells Fargo automated teller machine ("ATM"), or a Wells Fargo store in your vicinity to obtain information about your Eligible Accounts. For brokerage services, you may use our touch-tone service if you are enrolled or contact your broker at the phone number shown on your statement.  

	 D. LINKING AND DISPLAYING ELIGIBLE ACCOUNTS
 If you enroll for the Service, certain Eligible Accounts on which you are an Owner, Delegate of the Owner, Eligible Beneficiary, or authorized signer may be linked and displayed. The linked and displayed Eligible Accounts through the Mobile Banking Service may be subject to certain limitations and restrictions. Eligible Accounts that are linked together will appear on your Account Summary page on the Website without regard to who else may have an ownership interest in each Eligible Account. However, Consumer Eligible Accounts and Business Eligible Accounts will not be linked unless you own all Eligible Accounts.  

	 E. COMMUNICATING ELECTRONICALLY ON YOUR BEHALF
 To the extent necessary to carry out your instructions with respect to an Eligible Account or Online Financial Service, you authorize us to send emails and text messages to other persons on your behalf. Emails and text messages sent to others pursuant to your instructions and on your behalf may identify you by name and may state that we are sending them on your behalf and according to your instructions. 

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	 5. ADDITIONAL PROVISIONS FOR BUSINESS ELIGIBLE ACCOUNTS  

	 If you have a Business Eligible Account or Business Online Financial Service, any Authorized Representative is authorized on terms, conditions, and agreements that we may from time to time require to: 

 	 enter into this Agreement, as amended from time to time; 
 	 access each Business Eligible Account of yours in any manner and for any purpose available through the Service, whether now available or available at some time in the future; and 
 	 use any Online Financial Service in any manner and for any purpose available through the Service, whether now available or available at some time in the future. 

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	 6. BILL PAY  

	 A. DESCRIPTION OF BILL PAY
 Wells Fargo Bill Pay ("Bill Pay") allows you to schedule bill payments through the Service. You must be enrolled in the Service to use Bill Pay. Each user that wants to use Bill Pay must enroll in the Service separately.  

	 You authorize us to add Eligible Accounts that are Wells Fargo credit card or loan accounts as payees in Bill Pay. Depending on your history and record related to those accounts, however, we may not automatically establish them as your Bill Pay payees.  

	 Certain providers may require you to provide additional identification information in order to view the bill detail information from our Website, or you may be required to visit your provider's site directly in order to view bill detail information.  

	 You can arrange, at your option, for the payment of your current, future and automatic (recurring) bills from (i) a Wells Fargo checking account, (ii) a Wells Fargo Money Market Checking account, (iii) a Wells Fargo credit card account, (iv) a Wells Fargo BusinessLine® account, (v) certain Wells Fargo home equity line of credit accounts, (vi) Wells Fargo personal lines of credit, or, (vii) when made accessible through the Service, the Wells Fargo Advisors Command Asset Program, (each called a "Funding Account"), up to a maximum of $50,000 per payment for payments funded by a checking account or a Command Asset Program, $10,000 per payment and per day for payments funded by a credit card, $25,000 per payment and per day for payments funded by a BusinessLine account, $10,000 per payment and per day for payments funded by a home equity line of credit, and $5,000 per payment and per day for payments funded by a personal line of credit. Bill Pay payments funded with a credit card cannot be used to make payments on other Wells Fargo credit products. A Funding Account may not be used to pay any part of the balance you owe on that Funding Account. Eligible Accounts that require two or more signatures or authorizations to withdraw or transfer funds may not be used as a Funding Account.  

	 Other than as stated above, there is no limit to the number of payments that may be authorized (except that payments funded with a credit account are limited to the total of the available credit in the account at the time payments are made). You may pay anyone in the continental U.S. (including Alaska and Hawaii) and the following U.S. Territories: Guam, Puerto Rico and the Virgin Islands; as approved by us for payment through Bill Pay. If you wish to use this Service to make payment to a person or business with an APO or FPO address, please note that such payment will be made by a paper instrument mailed to the payee. The Bill Pay Payment Guarantee will not apply to payments made to payees outside the continental U.S; and to any federal, state, or local tax agency, or court-ordered payments; as we are unable to guarantee correct delivery or routing. By manually furnishing us with the name and address of a payee, or an image of a payee by other means, you authorize us to follow your payment instructions regarding that payee. In some instances, Bill Pay may submit payments to the best known payee address. When necessary, we will change or reformat your payee account number to match the account number or format required by your payee for electronic payment processing and eBill activation. Bill Pay is intended only for use by you as the subscriber of Bill Pay. Any attempt to use Bill Pay to process payments for third parties is prohibited and will be grounds for termination of Bill Pay and your access to the Service.  

	 We may use nonaffiliated third parties acting on our behalf to process Bill Pay payments. Bill Pay third-party processors are required to adhere to Wells Fargo's strict standards of security and privacy protection. Paper checks processed by nonaffiliated third parties may show that they were drawn on the third-party processor rather than on Wells Fargo Bank, N.A.  

	 The date the Bill Pay payment begins processing is referred to in this Agreement as the "Payment Send On Date." Specific details about the Payment Send On Date will be provided on the Service web pages when you schedule a Bill Pay payment.  

	 For bill payments funded by checking accounts or a Command Asset Program, we may, at our option, pay or refuse to pay the bill payment if it would create an overdraft on your Funding Account, without regard to whether we may have previously established a pattern of honoring or dishonoring overdrafts. We may, without prior notice to you, take any of the following actions, at our sole discretion, if we receive a bill payment drawn against your checking account or a Command Asset Program and there are insufficient available funds in your Funding Account to cover the bill payment:  

 	 cover the bill payment in accordance with the terms of any written overdraft protection plan that you and we have established, 
 	 pay the bill payment and create an overdraft on your account, or 
 	 decline the bill payment. 
 	 attempt the Bill Pay transaction again the following business day. (Until the second attempt is completed the following business day, the payment status will be "In Process", and cannot be cancelled). 

	 You agree to pay our fee(s), which may vary depending on the action we take. Any negative balance on your Funding Account will be governed by your agreements with us concerning the Funding Account.  

	 If a Funding Account is a credit card or line of credit account, we will not be obligated to make a payment unless that account has sufficient available credit to pay the bill on the Payment Send On Date. See your account's terms and conditions for over limit fees that may apply to you if any bill payments, associated fees or finance charges cause your credit card or line of credit balance to exceed the credit limit. The dollar amount of bill payments through your credit card or line of credit account (whether we make these payments electronically or by check) will be charged to that credit card or line of credit on the Payment Send On Date. Finance charges (such as interest and transaction fees) may apply to bill payments funded by a credit card or line of credit account; these charges will be shown to you during the payment scheduling process. See your credit card or line of credit account agreement and any written disclosure statements for more information.  

	 If your Funding Account closes or is restricted for any reason, all pending payments associated with the account will be cancelled, and it is your sole responsibility to make all pending and future payments.  

	 B. FEES
 Service fees apply to Bill Pay, unless you qualify for our Bill Pay Fee Waiver.  

	 C. NO DUTY TO MONITOR BILL PAY PAYMENTS
 We do not have any duty to monitor the payments that are made through Bill Pay. If you are a Business and an Authorized Representative of yours uses your Funding Account to pay bills which are not yours, you assume the entire risk of loss and indemnify and hold us and our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments, and expenses (including attorney fees) arising out of or in any way connected with such use.  

	 D. BILL PAY STOP PAYMENT OR CHANGE INSTRUCTIONS
 You have the right to stop or change any scheduled bill payment. However, you must change or cancel a scheduled electronic bill payment within the secure online session by 7:00 p.m. (Pacific Time), on the Payment Send On Date, by using Bill Pay or by calling Wells Fargo Online Customer Service at 1-800-956-4442. After 7:00 p.m. (Pacific Time) electronic bill payments that are sent are in process and cannot be cancelled or stopped. Payments that are sent by paper check may have a stop payment placed by using the Bill Pay secure online session, or by calling Wells Fargo Online Customer Service at 1-800-956-4442. Stop payment of paper checks are not guaranteed. Payees may present paper check payments to their bank before the stop payment has been properly processed, and once a paper check has been cashed by the payee it cannot be stopped. If we are successful in stopping the payment of a paper check it may take up to 7 Business Days for the funds to be credited back to your account.  

	 E. SCHEDULING BILL PAY PAYMENTS
 Payments made through Bill Pay require sufficient time for your payee to receive your payment and credit your account properly. To avoid incurring a finance or other charge imposed by your payee, you must schedule a payment sufficiently in advance of the payment due date. There will be a delay between the Payment Send On Date (the date your payment begins processing) and the date the payee receives that payment. You must schedule the payment in accordance with the payment rules displayed on the Make Payment screens. The Payment Send On Date must be at least 5 full Business Days prior to the date the payment is due at the payee for check payments and up to 3 full Business Days or as shown on the Make Payment screens for electronic payments. For scheduling purposes, the first Business Day after your scheduled Payment Send On Date should be counted as Day 1. You must time your payment using the due date of the payment and not the last day of any grace period established by the payee. Payments must be scheduled before 7:00 p.m. (Pacific Time) to be processed on that day. Funds will be withdrawn from your Funding Account on the Business Day following your Payment Send On Date. Your Available Balance may be reduced by the amount of your payment on the calendar day following your Payment Send On Date, if that day is not a Business Day. Payments scheduled from brokerage accounts, if permitted, or a Command Asset Program may have different cut-off times.  

	 If your Bill Pay payment is sent by check and the check is not presented for payment within 90 days, we will stop payment on the check and credit the check amount to your Funding Account.  

	 To prevent sending duplicate payments, if you schedule more than one payment to the same payee, for the same amount on the same date, only one payment will be sent.  

	 F. ERRORS
 If we do not properly complete a bill payment on time or in the correct amount, we will pay any related late fees or finance charges that you reasonably incur as a result, as long as your account was in good standing with the payee prior to this incident. We will also be liable to you if we fail to stop a payment according to your order, so long as your order describes the payment with reasonable certainty and is received at a time and in a manner that affords us a reasonable opportunity to act on it before the payment is sent or is in process. Except as stated in this Agreement, any stop payment provisions of the agreement governing your Eligible Account that apply to checks will also apply to Bill Pay. We will not be responsible for any charges or fees imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including, without limitation, any applicable finance charges and late fees. In addition, we will not be liable if any third party, through whom any bill payment is to be made, fails to properly transmit the payment to the intended payee. We will also not be liable if: (a) there are insufficient available funds or credit availability in your Funding Account and/or overdraft protection plan; (b) if a legal order directs us to prohibit withdrawals from the Funding Account; (c) if the Funding Account is closed or frozen; or (d) if any part of the electronic funds transfer system network is not working properly. We will not be liable for indirect, special, or consequential damages arising out of the use of Bill Pay. Wells Fargo does not recognize "Grace Periods" or "Late After" dates when considering the reimbursement of late fees or finance charges.  

	 G. ACCOUNTS ACCESSIBLE BY MORE THAN ONE PERSON
 Joint account holders may use the same account as their funding account for their individual use of Bill Pay. Each Owner of an Eligible Account and each Delegate with access to that account has the same right of access to account activity such as notifying Online Customer Service of suspected loss, fraud or canceling Bill Pay, etc. Each Owner and Delegate may individually enroll in Bill Pay and, if so enrolled, must have a unique password and will have a separate payee list and payment history.  

	 H. TERMINATION OF BILL PAY
 If you have Bill Pay and do not schedule or process a payment through Bill Pay for any 3-month period, Wells Fargo may, at its sole discretion, terminate your use of Bill Pay without prior notice. You agree that you will only use Bill Pay to pay bills and invoices, and not for any other purpose. Using Bill Pay for other, unauthorized purposes or establishing more than 999 payees may result in termination of your access to Bill Pay, at Wells Fargo's sole discretion. You must have at least one Eligible Account that is either a Wells Fargo checking account, or a Command Asset Program accessible through the Service, to use Bill Pay. If you close your checking account or Command Asset Program, you must designate a new checking account or a Command Asset Program as a Funding Account within 30 days or Wells Fargo may terminate Bill Pay without prior notice. If Wells Fargo terminates your use of Bill Pay, your online bill payment information will be lost and all pending payments will be cancelled and are your sole responsibility. If you decide to terminate Bill Pay, we strongly suggest that you cancel all future bill payments at the same time that you cancel Bill Pay, either by deleting those payments yourself using Bill Pay or by calling Wells Fargo Online Customer Service at 1-800-956-4442. This will ensure that future payments made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that you have terminated Bill Pay.  

	 I. BILL PAY PROVISIONS CONTROL
 If this Section 6 conflicts with any other provisions of this Agreement, this Section governs with respect to Bill Pay.  

	 J. ADDITIONAL PROVISIONS FOR BUSINESSES
 The provisions in this Section 6.J. apply only to bill payments from Business accounts. You agree that the password security described in Section 16 of this Agreement sets forth security procedures for electronic fund transfers that are commercially reasonable. For payment requests from Business accounts, which are subject to Article 4A of the Uniform Commercial Code ("UCC 4A"), we are liable only for damages required to be paid under UCC 4A. In no event will we be liable for any exemplary, special, indirect, or consequential loss, damage, costs or expense of any nature, including, without limitation, lost profits, even if we have been informed of the possibility of such damages, except as may be required by law.  

	 As provided in Section 23.B. of this Agreement, if you do not access your Eligible Accounts through the Service for any 3-month period, we may terminate all or any part of the Service.  

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	 7. WELLS FARGO EBILLS  

	 A. DESCRIPTION OF WELLS FARGO EBILLS
 This Section 7 covers the delivery of electronic payment statements for certain types of Wells Fargo loans and line of credit products ("Wells Fargo eBills") through Bill Pay. The Wells Fargo credit products eligible for Wells Fargo eBills will be identified within the Bill Pay portion of the Website ("Eligible Credit Accounts"). We may add or remove categories of credit products from the list of Eligible Credit Accounts at any time.  

	 By activating Wells Fargo eBills, you agree to abide by the terms and conditions stated in this Section to receive Wells Fargo eBills, and to receive other related communications electronically. You must enroll each Eligible Loan Account individually in Wells Fargo eBills.  

	 B. REQUIREMENTS
 To receive delivery of your Wells Fargo eBills through Bill Pay, you must have an Eligible Account that is a Wells Fargo deposit account with us, or a Command Asset Program accessible through the Service, and be registered as a Wells Fargo Online or Wells Fargo Business Online customer with Bill Pay. You will need to ensure that your computer software meets the requirements provided on the Website in order to view, print, and/or save your online statement and legal notices. We will send you an email every statement cycle to let you know that your current statement is ready for you to view, print, and/or save at your convenience.  

	 By requesting that bills, statements, or other communications from us be sent to you electronically, you warrant that you have the right, power, and authority to receive them.  

	 You understand and agree that Wells Fargo eBills are provided for your convenience, and payments due continue to be your responsibility as stated in your promissory note, line of credit agreement, mortgage, deed of trust, credit card agreement or security agreement for each Eligible Loan Account, as applicable.  

	 For eBill accounts that are in default or subject to the automatic stay in bankruptcy, we may, at our sole option, elect to discontinue delivering eBills.  

	 C. INDIVIDUAL AND JOINT RESPONSIBILITY
 Any individual borrower on your loan, line of credit, or account can enroll in Wells Fargo eBills. Regardless of the individual who enrolls in Wells Fargo eBills, the terms of this Agreement apply to all borrowers, individually and jointly.  

	 D. FEES
 There are no monthly or transaction fees for Wells Fargo eBills. If we add fees in the future, we will notify you, and you will have the choice to discontinue Wells Fargo eBills. Please note that fees may be assessed and billed separately by your Internet service provider.  

	 E. HOURS OF ACCESSIBILITY
 Please refer to Section 3.A of this Agreement.  

	 F. CONSENT TO ELECTRONIC COMMUNICATIONS  

	As part of your enrollment in the Service, you have agreed that any and all disclosures and communications from us regarding your Eligible Account, your Wells Fargo eBills, Bill Pay, or this Agreement may be made electronically in accordance with the notice provisions of this Agreement. To review your ESIGN Consent, go to Account Services and click on the "ESIGN Consent" link.  

	Electronic communications upon Wells Fargo eBills activation: 

	 FOR CUSTOMERS WHO ALREADY ACTIVATED WELLS FARGO EBILLS AS OF JUNE 8, 2007 (NOVEMBER 7, 2006 FOR CREDIT CARD ACCOUNTS): Your Eligible Account payment statement will be handled electronically, and you will no longer receive paper statements. If you discontinue Wells Fargo eBills at any time, your paper payment statements will resume automatically. If you want to discontinue paper payment statement delivery, use the Statement Delivery feature described below.
  	 IF YOU ACTIVATED WELLS FARGO EBILLS ON OR AFTER JUNE 9, 2007 (NOVEMBER 8, 2006 FOR CREDIT CARD ACCOUNTS): Your receipt of paper payment statements will be unaffected. If you want to discontinue paper statement delivery, use the Statement Delivery feature described below. 

	 STATEMENT DELIVERY FEATURE: If you want to discontinue paper payment statement delivery or resume paper payment statement delivery at any time, you must go to Account Services on the Website, click on "Change Statement Delivery Options," and then make your selection.

	You have the right to withdraw your consent to receive electronic disclosures and communications at any time at no cost to you. Withdrawal of your consent, however, will terminate your Wells Fargo eBills and resume paper payment statement delivery if you do not already receive paper statement delivery as described in the paragraph above on "Electronic Communications upon Wells Fargo eBills activation." If you want to discontinue paper payment statement delivery, you must follow the steps in the paragraph above on "Electronic Communications upon Wells Fargo eBills activation." To cancel an eBill, sign on to Bill Pay, click the "Payees" tab, select the name of the payee providing the eBill, and then click on "Stop Receiving This Bill Online" in the Wells Fargo eBills Options section of the Payee Information screen. Please allow up to 10 Business Days to receive confirmation that you will no longer receive your eBill.   

	 G. TERMINATION OF EBILLS
 Please refer to Section 6.H. of this Agreement. Those provisions also apply to Wells Fargo eBills.  

	 H. PAYMENT PROCESSING
 Please refer to Section 6.A. of this Agreement. Those provisions also apply to Wells Fargo eBills.  

	 I. CHANGES TO CHARGES, FEES OR OTHER TERMS
 We reserve the right to change the charges, fees, or terms for Wells Fargo eBills. If we make a change, we will provide notice to you in accordance with terms of this Agreement. We also reserve the option, in our business judgment, to waive, reduce, or reserve charges or fees in individual situations.  

	 J. QUESTIONS OR ERROR CORRECTION ON STATEMENTS DELIVERED THROUGH WELLS FARGO EBILLS
 In case of questions or errors about Wells Fargo eBills or Bill Pay, contact Online Customer Service at 1-800-956-4442. We must hear from you no later than 60 days after we have sent the first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within 10 Business Days. When you tell us about the problem, please:  

 	 Tell us your name and account number. 
 	 Describe the error or the transaction you are unsure about, and explain why you believe it is in error or what additional information you need. 
 	 Tell us the dollar amount and date of any suspected error. 

	 We will inform you of the results of our investigation within 10 Business Days after we hear from you or receive your complaint or inquiry in writing (if required), and we will notify you of our investigation results and correct any error, if such an error exists, promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. We will alert you if we require more than 10 Business Days to complete our investigation. If we determine that there was no error, we will send you a written explanation after we finish our investigation. If we do not complete a transaction on time or in the correct amount according to our agreement with you, we will indemnify and hold you harmless for your losses or damages. However, there are some exceptions.  

	 We will not be liable:  

 	 If you, or anyone you allow, commits any fraud or violates any law or regulation. 
 	 If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly. 
 	 If you have not properly followed the instructions for using Wells Fargo eBills or Bill Pay. 
 	 If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the payment, despite reasonable precautions taken by us. 

	 K. OTHER GENERAL TERMS  

	In addition to this Agreement, you agree to be bound by and will comply with the requirements of the rules and regulations of any funds transfer system and applicable state and federal laws and regulations. We agree to be bound by them also.  

	Disputes between you and Wells Fargo under this Agreement that relate to your account(s) are subject to the provisions of your promissory note, line of credit agreement, credit card agreement and disclosure statement, mortgage, deed of trust, or security instrument (as applicable) and applicable legal remedies.  

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	 8. WELLS FARGO SAME DAY PAYMENTSSM SERVICE  

	 A. DESCRIPTION OF SERVICE
 With the Wells Fargo Same Day Payments Service ("SDP Service"), you may elect to make a one-time same day payment to a participating payee for an additional fee. You must be enrolled in Bill Pay to use the SDP Service.  

	 You can make a same day payment only from an Eligible Wells Fargo checking account or a Command Asset Program (the "SDP Service Account"), up to a maximum of $50,000 per payment. Accounts that require two or more signatures or authorizations to withdraw or transfer funds may not be used with the SDP Service.  

	 By furnishing us with the name and address of a payee, you authorize us to follow your payment instructions regarding that payee. When necessary, we will reformat your payee account number to match the format required by your payee for electronic payment processing. The SDP Service is intended only for use by you as the subscriber to the service. Any attempt to use the SDP Service to process payments for third parties is prohibited and will be grounds for termination of your access to the Service and the Website.  

	 Wells Fargo may use nonaffiliated third parties acting on our behalf to process your same day payments. Any such third-party processors are required to adhere to Wells Fargo's standards of security and privacy protection.  

	 For a same day payment request submitted before the applicable cut-off time displayed on the Make Payment screens, we will debit your SDP Service Account and send funds to the payee on the same day (which may be a non-Business Day).  

	 We may, at our option, pay or refuse to make the same day payment if it would create an overdraft on your SDP Service Account, without regard to whether we may have previously established a pattern of honoring or dishonoring overdrafts. We may take any of the following actions at our sole discretion, if we receive a same day payment drawn against your SDP Service Account and there are insufficient available funds in your SDP Service Account to cover the bill payment without prior notice to you:  

 	 Cover the same day payment in accordance with the terms of any written overdraft protection plan that you and we have established; 
 	 Pay the same day payment and create an overdraft to your SDP Service Account; or 
 	 Decline to make the same day payment. 

	 You agree to pay our fee which may vary depending on the action we take. Any negative balance on your Funding Account will be governed by your agreements with us concerning the Funding Account.  

	 B. FEES
 Service fees apply to the SDP Service.  

	 C. NO DUTY TO MONITOR PAYMENTS
 We do not have any duty to monitor the payments that are made through the SDP Service. If you are a business and an authorized representative of yours uses your SDP Service Account to pay bills which are not yours, you assume the entire risk of loss and indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with such use.  

	 D. STOP OR CHANGE INSTRUCTIONS
 Payments that are in process cannot be canceled or stopped. You cannot cancel a same day payment after it has been submitted to us.  

	 E. SCHEDULING PAYMENTS
 You may make a same day payment to a participating payee by submitting your request prior to the cut-off time specified on the Make Payment screens. For each same day payment, you receive a separate payment confirmation notice which confirms that your same day payment has been made, details of each payment, and a payment reference number for each payment.  

	 The SDP Service permits duplicate payments on the same day. If you schedule more than one payment to the same payee, for the same amount on the same date, all of the scheduled payments will be sent.  

	 F. ERRORS
 If we do not properly complete a same day payment on time or in the correct amount, we will pay any late fees or finance charges that you reasonably incurred as a result so long as your account was in good standing with the payee prior to this incident. We will not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through whom any same day payment is to be made fails to properly transmit the payment to the intended payee. We will also not be liable if there are insufficient available funds or credit availability in your SDP Service Account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the SDP Service Account; if the SDP Service Account is closed or frozen; or if any part of the electronic funds transfer system network is not working properly. We will not be liable for indirect, special, or consequential damages arising out of the use of the SDP Service. Wells Fargo does not recognize "Grace Periods" or "Late After" dates when considering the reimbursement of late fees or finance charges.  

	 G. PROVISIONS FOR BUSINESS
 The provisions in this section apply only to same day payments from business accounts. You agree that the security procedures required by us under this Agreement set forth security procedures for electronic funds transfers that are commercially reasonable. For payment requests from Business Eligible Accounts, which are subject to Article 4A of the Uniform Commercial Code ("UCC 4A"), we are liable only for damages required to be paid under UCC 4A. In no event will we be liable for any special, indirect or consequential loss, damage, costs or expense of any nature, including, without limitation, lost profits, even if we have been informed of the possibility of such damages, except as may be required by law.  

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	 9. ELECTRONIC FUND TRANSFER (EFT) PROVISIONS FOR CONSUMERS  

	 A. APPLICABILITY
 The terms and conditions applicable to EFTs that debit or credit a brokerage account are set forth in your brokerage account agreement, and not in this Agreement.  

	 The provisions in this Section 9 apply only to electronic fund transfers that debit or credit a Consumer's checking, savings or other asset account and are subject to the Federal Reserve Board's Regulation E (an "EFT"). We may, when applicable, rely on any exceptions to the provisions in this Section that are in Regulation E. All terms in this Section not defined in this Agreement which are defined in Regulation E will have the meaning given in Regulation E.  

	 B. YOUR LIABILITY FOR UNAUTHORIZED EFTS
 Except for EFTs to or from brokerage accounts, your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:  

	If you notify us within 2 Business Days after learning of the loss or theft of your password, your liability will not exceed the lesser of $50 or the amount of unauthorized EFTs that occur before notice to us.  

	If you fail to notify us within 2 Business Days after learning of the loss or theft of your password, your liability will not exceed the lesser of $500 or the sum of:

 	 $50 or the amount of unauthorized EFTs that occur within the 2 Business Days, whichever is less; and 

	 the amount of unauthorized EFTs that occur after the close of 2 Business Days and before notice to us, provided we establish that these EFTs would not have occurred had you notified us within that 2-day period.

	You must report an unauthorized EFT that appears on a periodic statement within 60 days of our transmittal of the statement to avoid liability for subsequent transfers. If you fail to do so, your liability will not exceed the amount of the unauthorized EFTs that occur after the close of the 60 days and before notice to us, and that we establish would not have occurred had you notified us within the 60-day period. You may, as applicable, also be liable for the amounts described in the immediately preceding sections 1 or 2 above.  

	If your delay in notifying us was due to extenuating circumstances, we will extend the times specified in the immediately preceding paragraphs 1, 2, or 3 above to a reasonable period.  

	You may notify us in person, by telephone, by email during a secure session using the appropriate form, or in writing.  

	The telephone number and address of the person or office to be notified when you believe that an unauthorized EFT has been or may be made are:  

 	 1-800-956-4442, 24 hours a day, 7 days a week

	 Wells Fargo Bank, N.A., P.O. Box 4132, Concord, CA 94518-4917

	You can send an email to the Wells Fargo Online Customer Service area by filling out the appropriate email form, accessible after signing on with your password to a secure session. For questions or errors about online funds transfers, you should use the "Transfers and deposits questions" email form. For questions or errors about bill payment transactions, please use the inquiry forms accessible through Bill Pay.  

	 C. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR EFTS
 For brokerage accounts, you must follow the procedures set forth in your brokerage account agreement. For all other Eligible Accounts, if you think your electronic transfer statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt, call Wells Fargo Online Customer Service at 1-800-956-4442 or the number listed on the statement for your Account, or write us at: Wells Fargo Bank, P.O. Box 4132, Concord, CA 94518-4917 as soon as possible.  

	 We must hear from you no later than 60 days after the date we send the first statement on which the problem or error appeared:  

 	 Tell us your name and account number (if any).
 	 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.
 	 Tell us the dollar amount and date of the suspected error.

	 If you tell us orally, we may require that you send 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 to conduct our investigation, however, we will notify you of our need for an extension, which may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 Business Days 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. 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 account.  

	 We may, in our sole discretion, permit you to initiate or monitor the status of certain kinds of complaints or questions electronically on the Website. We will treat any complaint or question you initiate via the process we provide on the Website as being submitted "in writing."  

	 For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 Business Days to credit your account for the amount you think is in error. We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you an explanation. You may ask for copies of the documents that we used in the investigation.  

	 D. DOCUMENTATION

	The cardholder will receive a receipt each time an ATM or in-store kiosk is used to make an electronic transfer to or from your Eligible Account, unless the cardholder is notified otherwise before completing the transaction. The receipt is evidence of the transaction as recorded by the ATM or the Service, as applicable. All transactions are subject to posting, final payment or verification, as applicable. You can use the receipt to reconcile the statement for the Eligible Account.  

	You have the right to find out whether an EFT was credited to your Eligible Account. Please contact the Wells Fargo Phone Bank at the number listed on your statement for your Eligible Account.  

	We will send you a monthly statement if there are EFTs in a particular month. Otherwise, we will send you a statement at least quarterly.  

	 E. NOTICE OF CHANGE IN AMOUNT
 If you authorize a person to regularly debit your Eligible Account and the amount varies from the previous amount debited, the person debiting your Eligible Account is required to tell you, at least 10 days before each debit, when the debit will be made and how much it will be.  

	 F. STOP PAYMENT OF PREAUTHORIZED EFTS
 You may place a stop payment order on preauthorized EFTs by calling the Wells Fargo Phone Bank at the number listed on the statement for your Eligible Account at least 3 Business Days prior to the scheduled transfer date. We require your name and the account number associated with the transfer, and (a) the exact name of the payee, (b) the exact payment amount, and (c) the scheduled transfer date. Failure to provide correct and complete information may make it impossible for us to stop payment of the preauthorized EFT. You agree to indemnify and hold us harmless from and against any loss incurred by us as a result of our paying an EFT if any of the information relied upon in the stop payment order is incorrect or incomplete (or as a result of our not paying a preauthorized EFT for which a valid stop payment order is in effect). If we pay a preauthorized EFT despite a valid stop payment order, we may require you to provide us with an affidavit describing in detail the dispute.  

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	 10. ALERTS  

	 A. DESCRIPTION OF ALERTS
 The alerts option allows you to request and receive informational and/or actionable messages about your Eligible Account(s). You may receive alerts through email message(s) and/or text enabled Handheld Devices, or by other means. Each alert will be effective after set up of the alert parameters and delivery points using the alerts service.  

	 B. REGISTRATION FOR ALERTS
 You must be enrolled in the Service to use the alerts option. To receive alerts, you and your Authorized Representatives must enroll in alerts separately.  

	 C. EMAIL SECURITY AND DELIVERY TIMING
 You agree that each alert may not be encrypted, and may include your name and information pertaining to your account(s). Receipt of any alert may be delayed, or prevented by factor(s) affecting your Internet service provider(s), phone operator(s), and other relevant entities. We neither guarantee the delivery nor the accuracy of the contents of any alert. Wells Fargo will not be liable for losses or damages arising from: (a) non-delivery, delayed delivery, or wrong delivery of any alert; (b) inaccurate content in an alert; (c) your use or reliance on the contents of any alert for any purposes. We reserve the right to terminate any request from you, for any alert, at any time. The information in any alert may be subject to certain time lags and/or delays. You will manage the types and timing of your alerts, and the alerts may be stopped or suspended by you at any time.  

	 D. TERMINATION OF ALERTS
 Either you or Wells Fargo may terminate your use of the alerts option at any time without notice.

 As provided in Section 23.B. of this Agreement, if you do not access your Eligible Accounts through the Service for any 3-month period, we may terminate all or any part of the Service without notice.  

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	 11. ONLINE STATEMENTS  

	 A. DESCRIPTION OF ONLINE STATEMENTS
 We offer online statements for certain Eligible Accounts and Online Financial Services, allowing you to supplement or, in some cases, replace your mailed (paper) statement with an electronic version (PDF) that you can view on the Website, save to your computer, or print at your convenience. Any legal notices or disclosures that normally accompany your mailed statement or that we would otherwise deliver to you by mail concerning your Eligible Account or Online Financial Service may be delivered to you electronically. In some cases, paper statements, legal notices and disclosures that you receive electronically must continue to be mailed even if you elect to receive them electronically. We may, at our sole discretion, offer you additional options and preferences for the delivery of various types of communications related to your Eligible Accounts or Online Financial Services. The following is a brief description of the various features of and requirements for using online statements. From time to time, we may add to, modify, or delete any feature of online statements in our sole discretion.  

	 B. ELIGIBLE ACCOUNTS FOR ONLINE STATEMENTS
 Most Consumer checking, savings, market rate, money market, PMA® checking, home mortgage, Consumer credit card, student loan, home equity, auto loan, personal loan and line of credit accounts that have recurring periodic statements, Trust and Managed Investment accounts, and brokerage accounts are eligible for online statements. Most Small Business checking, savings, Business credit card, and Business line of credit accounts that have recurring periodic statements are eligible for online statements.

	 C. ENROLLMENT FOR ONLINE STATEMENTS
 The online statement option for certain Eligible Accounts or Online Financial Service is available if you have enrolled in the Service and provided us with a valid email address for the Service. Depending on the Eligible Account or Online Financial Service, one or more of the following will be true, in some cases:  

 	 in order to view the online statements for an Eligible Account or Online Financial Service you must first add the Eligible Account or Online Financial Service to the Service, or specifically enroll the Eligible Account or Online Financial Service for online statements; 
 	 we may enroll you for online only statements for a particular Eligible Account or Online Financial Service, after providing you notice, unless you opt out and change your delivery preference back to "U.S. Mail"; 
 	 we may, at our sole discretion, revoke your online statement preference and change your delivery preference to "U.S.Mail" if you fail to maintain a valid email for the Service. 

	 If you receive online statements, one of the following statements will be applicable, depending on the Eligible Account or Online Financial Service:  

 	 receiving online statements will automatically mean that we will no longer mail paper statements to you for that account; 
 	 you may not elect to stop receiving paper statements, or they may be required to be mailed to you regardless of your election (e.g. pursuant to applicable law).

	 Details for receiving online statements for different types of Eligible Accounts or Online Financial Services, and the effect of online statement enrollment on delivery of paper statements, are provided on the Service web pages.  

	 If you currently receive an account statement with check image in paper format, once you enroll in online statements, you will no longer receive your check images with your statements. With respect to deposit accounts, you may view online images of the individual checks posted to your account. You may request that a photocopy of a cancelled check be mailed to you. Additional fees for photocopies may apply.  

	 We may, in our discretion, apply your current online statement delivery elections for an existing Eligible Account to any account that replaces or refinances the existing Eligible Account.  

	 D. ACCESSING YOUR ONLINE STATEMENTS
 Your online statement and legal notices and disclosures will be presented to you on the Website. You will need to ensure that your computer software meets the requirements provided on the Website in order to view, print, and/or save your online statement and legal notices. Depending on the type of account, your statements are available online for up to a maximum of 7 years. The statements for some types of Eligible Accounts or Online Financial Services are only available for shorter periods. There may be a gap in the historical statements available online for some types of Eligible Accounts if you do not enroll immediately at the time the account is first opened. For some types of Eligible Accounts or Online Financial Services, there may be a delay of up to several weeks after enrollment before you can begin viewing statements online. You will continue to have the option to request historical statements, for which fees may apply; please refer to the applicable account agreement and disclosures for details.  

	 For PMA Package customers, the owners of the primary checking account in the PMA relationship (PMA Package Owners) and all other owners of any accounts linked in detail to the PMA Package will have access to the entire PMA online combined statement. Non-PMA Package owners who have authorized linkage of their separate detail-level account information to a PMA Package will no longer have access to their separate online account statement and instead will have access to the entire PMA online combined statement. If PMA Package Owners do not want the non-PMA Package Owners to have access to the entire PMA online account statement, the PMA Package Owners can request that such accounts be linked to the PMA Package at a summary level only. For such accounts, the separate detailed online account statement would still be available for non-PMA Package Owners.  

	 E. CHANGE STATEMENT DELIVERY METHOD
 In accordance with your prior acceptance of the ESIGN Consent terms, you may change your online statement delivery method. To view the ESIGN terms, log in and go to Account Services.  

	 F. YEAR-END TAX REPORTING DOCUMENTS  

	Online year-end tax documents may be available to customers with certain account types who are enrolled in the Service and provide their valid email address for the Service. Customers are not required to complete a separate enrollment process in order to view their tax documents online. This option is available to you regardless of whether or not we also send you mailed (paper) tax documents.  

	You may be able to change the way we send you year-end tax documents on certain account types by changing your delivery preferences on the Website, selecting from among the available options. When you change your tax document delivery option, the change will take effect in your next annual tax reporting cycle. When you tell us to stop sending you mailed (paper) tax documents, we'll send you an e-mail to let you know that your current tax document is ready to be viewed online. We always reserve the right to communicate with you in writing using the U.S. Postal Service, no matter what other options you have chosen.  

	 G. TERMINATION OF ONLINE STATEMENTS
 We may terminate delivery of online statements to you for one or more Eligible Accounts or Online Financial Services, without notice.  

	 As provided in Section 23.B. of this Agreement, if you do not access your Eligible Accounts through the Service for any 3-month period, we may terminate your access to all or any part of the Service.  

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	 12. USE OF FINANCIAL MANAGEMENT SOFTWARE  

	 A. DESCRIPTION OF FINANCIAL MANAGEMENT SOFTWARE
 Financial Management Software includes: Quicken®, QuickBooks®, Turbo Tax®, and other software we may identify from time to time on the Website. You are responsible for obtaining a valid and separate license agreement with the provider of your Financial Management Software. Your license agreement with the provider of your Financial Management Software may restrict the duration of your online access; we will not be liable for any such limitations or restrictions.  

	 B. ONLINE BANKING AND BILL PAY ACCESS THROUGH YOUR FINANCIAL MANAGEMENT SOFTWARE
 We may, in our discretion, offer an option to allow you to download information into your Financial Management Software from certain Eligible Accounts. We may also, in our discretion, allow you to initiate Bill Pay instructions through your Financial Management Software. The Eligible Accounts for which these options are available will be identified on the Website from time to time. From time to time, we may add to, modify, or delete any feature of your ability to access the Service through your Financial Management Software at our sole discretion.  

	 C. ACCOUNT INFORMATION
 You understand and agree that:  

 	 not all of the information in your Eligible Accounts can be downloaded into your Financial Management Software; 
 	 information you can download may not include all of your account activity; 
 	 statements generated by us are the official record of account transactions, positions and balances, and that the information you download is for tracking purposes only and should not be considered an official record; 
 	 the account information will not necessarily reflect banking, financial, or investment activities and transactions that have not yet been completed or settled and will only reflect the account information in your Eligible Accounts at the exact point in time that you download the information (for example, trades that have not yet been settled may not be reflected); 
 	 account information in your Eligible Accounts may reflect transactions as of a prior time period and may not be current as of the point in time that you download such information; 
 	 the account information that you download to your Financial Management Software will not be automatically updated by us, and that you will have to update the Eligible Account information by downloading more current information from your accounts (for example, stock prices, and/or the value of the investments we hold in your brokerage account, may be reflected at the prices at the close of the prior trading day and not at the current prices); 
 	 the Eligible Account information may include information you have provided to us (for example, cost or tax basis information for securities we have transferred into your brokerage account) and that you are solely responsible for the accuracy of this information; and 

	 we are not liable for any loss, damages or expenses of any kind as a result of your reliance upon the Eligible Account information in your Financial Management Software, which, for example, as stated above, may not be the most updated information and may not include pending transactions such as a stock sale or purchase which has not settled.

	 D. SECURITY OF DATA TRANSMISSION AND STORAGE  

	You agree and understand that: 

 	 you assume all risk that any Eligible Account information you download and store in your Financial Management Software may be accessed by unauthorized third parties; 
 	 if you send the information in a manner that is not secure, or if you take the Eligible Account information out of our secure systems by downloading it, we are no longer responsible for the security and confidentiality of that information, and that the responsibility is now yours (or may be shared with others, such as your Financial Management Software provider); and 

	 we are not responsible for the security and confidentiality of the Eligible Account information if you (a) use wireless connections to download your account information, in which case you acknowledge such connection may permit other persons to access the information being downloaded, or (b) allow other persons access to your Financial Management Software.

	You agree that any Eligible Account information that you download is done at your own risk and you are solely responsible for any damage that might occur to the computer (or other electronic device) to which you download any information, or any loss or corruption of data that might occur as a result of the downloading or its storage in a computer or other electronic device.  

	 E. FEES FOR CONNECTING TO THE SERVICE THROUGH FINANCIAL MANAGEMENT SOFTWARE  

	Service fees may apply to your use of your Financial Management Software to connect to the Service and are disclosed on our Website. Other fees may be assessed and billed separately by your Internet, telephone, and/or mobile device service provider.  

	We will designate a billing account at Wells Fargo from which the fees will be paid (your "Billing Account"). When you begin using your Financial Management Software, you are authorizing us to charge your Billing Account for the fees. If you close your current Billing Account, you must notify us and designate a new deposit account as your updated Billing Account. If you do not designate a new deposit account as your Billing Account, we reserve the right to designate a Billing Account, or to suspend and/or terminate your access through your Financial Management Software.  

	If you close all your Eligible Accounts, you must notify Wells Fargo Online Customer Service to cancel your access through your Financial Management Software. If you do not notify us when all Eligible Accounts become closed, we reserve the right to suspend and/or terminate your access through your Financial Management Software.  

	 F. TRANSFERS USING YOUR FINANCIAL MANAGEMENT SOFTWARE  

	You may transfer funds from Eligible Accounts. The number of transfers from an eligible savings account is limited, as explained in the applicable Account Disclosure Statement.  

	There is a cut-off time on each Business Day for funds transfers; transfers made after the cut-off time or on a Saturday, Sunday, or federal holiday will be made the next Business Day.  

	 G. FEES FOR BILL PAY USING YOUR FINANCIAL MANAGEMENT SOFTWARE  

	Service fees apply to accessing Bill Pay through your Financial Management Software and are disclosed on our Website. Other fees may be assessed and billed separately by your Internet, telephone, and/or mobile device service provider.  

	We will designate a billing account at Wells Fargo from which fees for Bill Pay through your Financial Management Software will be paid (your "Billing Account"). When you begin using Bill Pay through your Financial Management Software, you are authorizing us to charge your Billing Account for the fees. If you close your current Billing Account, you must notify us and designate a new deposit account as your updated Billing Account. If you do not designate a new deposit account, we reserve the right to suspend and/or terminate your Bill Pay through your Financial Management Software service.  

	If you close all your Eligible Accounts, you must notify Wells Fargo Online Customer Service to cancel your Bill Pay through your Financial Management Software service. If you do not notify us when all Eligible Accounts become closed, we reserve the right to suspend and/or terminate your Bill Pay through your Financial Management Software service.  

	 H. BILL PAY USING YOUR FINANCIAL MANAGEMENT SOFTWARE  

	If you are enrolled in and use the Bill Pay service through your Financial Management Software, you may pay any merchant or individual in the U.S. through your Financial Management Software, and may also make payments for any Bank mortgage, installment loan, credit card or line of credit account through the Bill Pay service.  

	You are required to designate an Eligible Account from which bill payments may be made ("Funding Account"); you may designate more than one Funding Account.  

	There is a cut-off time on each Business Day for bill payments. Payments made after the cut-off time or on Saturdays, Sundays, or federal holidays will be made the next Business Day.  

	All payments made using the Bill Pay service should be made at least 4 Business Days in advance of the due date to allow the payee/merchant to credit your account in time to avoid any late charge, finance charge or other penalty for late receipt of payment.  

	 I. DISCLAIMERS  

	You agree that the Eligible Account information you download through your Financial Management Software is provided to you "as is" and "as available."  

	You agree that we make no warranties and have no liability as to: 

 	 the accuracy, completeness, availability or timeliness of the Eligible Account information, text, graphics, or other items in the Eligible Account information that you can download through your Financial Management Software; 
 	 the errors or omissions in the delivery or transmission of the Eligible Account information from us to you (and "you" includes delivery to your Financial Management Software and/or your computer); and 

	 the download option's fitness for a particular purpose and non-infringement of any third party rights.

	Although payments to the following types of Payees may be scheduled through the Service, such payments are discouraged and are scheduled by you entirely at your own risk; IN NO EVENT WILL WE BE LIABLE FOR ANY CLAIMS OR DAMAGES THAT MAY RESULT IF YOU SCHEDULE PAYMENTS TO THE FOLLOWING PAYEES: 

 	 Payees outside of the United States, including Canada;
 	 Payees to U.S. Territories;
 	 Tax payments;
 	 Government agencies, or
 	 Court-ordered payments (such as child support payments or traffic tickets)

	We have no obligation to research or resolve any claim that may result from these types of payments, nor are we responsible for any late payment-related charges when these types of payments are scheduled and/or processed through the Service. All research and resolution for any misapplied, misposted or misdirected payments will be your sole responsibility.  

	We have no duty to monitor the online transfers or payments that you make. You assume the entire risk of using the Service properly to ensure that funds are transferred and bills are paid properly and timely. We will not be responsible for any charges imposed or any other action taken by a payee/merchant resulting from a bill payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through whom any bill payment is made fails to transmit the payment or the payment instruction properly to the intended payee/merchant, or if the merchant/payee or its bank fails to transmit a payment instruction or record a bill payment properly.  

	In using the Service, you understand that payees and/or the U.S. Postal Service may return payments for various reasons such as, but not limited to, payee's forwarding address expired; payee's account number is not valid; payee is not available to locate account; or payee's account is paid in full. We will use reasonable efforts to research and correct the returned payment and return it to your payee, or void the payment and credit your account.  

	Your Financial Management Software may provide the option of disabling selected features of the Service. To disable any feature of the Service, you MUST contact Wells Fargo Online Customer Service by calling 1-800-956-4442 with your notification.  

	You understand that some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.  

	Bill Pay payments made via your Financial Management Software are NOT covered by Wells Fargo's Bill Pay Payment Guarantee.  

	 J. ADDITIONAL LIMITATIONS OF LIABILITY FOR ACCESS TO THE SERVICE THROUGH YOUR FINANCIAL MANAGEMENT SOFTWARE
 YOU AGREE THAT WE WILL NOT BE LIABLE TO YOU FOR:  

 	 your inability to use the download, transfer and/or bill pay option; 
 	 the accuracy, timeliness, loss or corruption, or misdelivery, of any Eligible Account information, transfer, bill payment or any other information; 
 	 unauthorized access to your Eligible Accounts or to your account information and any misappropriation, or alteration, of your account information or data, to the extent the unauthorized access results from your acts or omissions; 
 	 your inability to access your Eligible Account (including but not limited to, failure of electronic or mechanical equipment, interconnect problems with telephone providers or Internet service providers ("ISPs"), natural disasters, strikes, or other labor problems); or 

	 any other matter relating to the download, transfer or bill pay option.

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	 13. THIRD-PARTY SOFTWARE AND THIRD-PARTY CONTENT  

	 A. DESCRIPTION OF THIRD-PARTY SOFTWARE
 From time to time, we may offer third-party software tools and products that you may elect to install on your computer (collectively "Third-Party Software"). You are responsible for obtaining a valid and separate license agreement with the provider of the Third-Party Software.  

	 B. DESCRIPTION OF THIRD-PARTY CONTENT
 From time to time, we may offer information, commentary, and tools supplied by companies that are not affiliated with us ("Third Party Content"). All of the Third-Party Content on the Website is labeled as such, and may be available either in a frame, via a hyperlink, or simply posted to the Website. We do not own any interest in Third-Party Content. We do not edit, review, or endorse any Third-Party Content.  

	 C. SECURITY OF DATA TRANSMISSION AND STORAGE FOR THIRD-PARTY SOFTWARE  

	You agree and understand that: 

 	 you assume all risk that any Third-Party Software you download and install, or any information you enter into the Third-Party Software, may be accessed by unauthorized third parties; and 

	 if you use the Third-Party Software to transmit information, you and the Third-Party-Software provider are responsible for the security and confidentiality of that information.

	You agree that any Third-Party Software that you download is done at your own risk and you alone are responsible for any damage that might occur to the computer or other electronic device to which you download any Third-Party Software, or any loss or corruption of data that might occur as a result of the downloading or its installation in a computer or other electronic device.  

	You also agree that you are solely responsible for acquiring and maintaining a computer or other electronic device that has capabilities of handling and accessing the Third-Party Software, including any necessary equipment such as a modem, and that you are responsible for all costs associated with accessing the Third-Party Software.  

	 D. DISCLAIMERS FOR THIRD-PARTY SOFTWARE AND THIRD-PARTY CONTENT  

	You agree that: 

 	 any Third-Party Software you download through your Financial Management Software is provided to you "as is" and "as available."

	 any Third-Party Content you review or utilize is provided to you "as is."

	You agree that we make no warranties and have no liability as to: 

 	 the accuracy, completeness, availability or timeliness of the information, text, graphics, or other items provided, stored, evaluated or processed through the Third-Party Software or Third-Party Content;
 	 the errors or omissions in the delivery or transmission of the Third-Party Software or Third-Party Content from us to you (and "you" includes delivery to your Financial Management Software and/or your computer); and

	 the Third-Party Software's or Third-Party Content's fitness for a particular purpose and non-infringement of any third-party rights.

	You understand that some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.  

	 E. ADDITIONAL LIMITATIONS OF LIABILITY FOR THIRD-PARTY SOFTWARE
 You agree that we will not be liable to you for:  

 	 your inability to use the Third-Party Software;
 	 the accuracy, timeliness, loss or corruption, or misdelivery, of any Eligible Account information or any other information processed by the Third-Party Software; or

	 unauthorized access to your Eligible Accounts or to your account information and any misappropriation, or alteration, of your account information or data as a result of your installation or use of the Third-Party Software.

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	 14. USING EMAIL TO SEND INFORMATION AND INQUIRIES TO US  

	 The Service provides email forms for you to ask questions about certain Eligible Account(s) or give comments on the Service. The Service also provides the ability to securely communicate sensitive or confidential information for your Wells Fargo Advisors accounts. These email forms are accessible after you sign on with your password to a secure session of the Service. To ensure the security of your Eligible Account information, we recommend that you use only these email forms when asking specific questions about covered Eligible Account(s) and only use the secure messaging feature when sharing sensitive or confidential account information about your Wells Fargo Advisors accounts. You cannot use email to initiate transactions on your Eligible Accounts. For transactions, please use the appropriate functions within the Service or call Wells Fargo Online Customer Service at 1-800-956-4442. For employer-sponsored retirement accounts, please follow the procedures established by your plan administrator for questions concerning your retirement account.  

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	 15. FEES YOU WILL PAY AND MODE OF PAYMENT  

	 A. FEES FOR ELIGIBLE ACCOUNTS AND ONLINE FINANCIAL SERVICES
 Fees separately disclosed to you in connection with an Eligible Account or Online Financial Service apply when using the Service. Additional fees may apply to specific services and are disclosed on our Website. Other fees may be assessed and billed separately by your Internet, telephone, and/or mobile device service provider.  

	 B. MODE OF PAYMENT
 Unless otherwise agreed, you are required to designate an account at Wells Fargo from which fees for Eligible Accounts and Online Financial Services will be paid (your "Payment Account"). You authorize us to charge your Payment Account for the fees. If you close your current Payment Account, you must notify us and designate a new deposit account that will be your Payment Account. Additionally, unless we agree otherwise, if you close all your Eligible Accounts, you must notify Wells Fargo Online Customer Service to cancel your Online Financial Services.  

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	 16. SECURITY FOR YOUR ELIGIBLE ACCOUNTS AND ONLINE FINANCIAL SERVICES  

	 You will use a username and a password, and/or such other security and authentication techniques as we may require from time to time, to access your Eligible Accounts and Online Financial Services through the Service. We may, in our sole discretion, set standards for your username and password. We recommend that you change your password regularly. We may also require additional security procedures to initiate certain transactions. These additional security procedures may require special hardware, software or third-party services. We may also, at our option, offer you additional, optional security procedures, such as personal reference questions and answers, random number generators, or one-time passwords, to enhance the security of your Eligible Accounts and Online Financial Services. We may also require the use or activation of specific applications, Internet browser software features, plug-ins and add-ons, such as JavaScript support and "cookies," in order to utilize the Service. We may also acquire detailed information concerning the computers and Handheld Devices you use to access the Service, including telephone numbers and unique internal and network identifiers for your computers and Handheld Devices, in order to facilitate and enhance secure access to the Service.  

	 You agree that we may place cookies and other identifiers on the computers and Handheld Devices you use to access the Service. Cookies help us confirm your identity and help us keep your transactions secure when you do online banking. We also use cookies for various purposes such as maintaining continuity during an online session, gathering data about your use of the Service and other websites, and optimizing the performance of the Website.  

	 A. PASSWORDS AND PROTECTING YOUR SECURITY
 Your password:  

 	 can be changed within the Service or by calling Wells Fargo Online Customer Service at 1-800-956-4442 or for Wells Fargo Advisors accounts by calling 1-877-879-2495.

	 must meet the standards we establish from time to time. These standards will be available for your reference whenever you create or change a password. If we change these standards, you may be required to change your password to meet the new standards. We may require you to change or update your password at any time. We are not required to give you advance notice that we have changed the standards, or that we are requiring you to change or update your password.

	 For security purposes, it is recommended that you memorize your password and do not write it down. You are responsible for keeping your password confidential.  

	 B. PROTECTING YOUR SECURITY
 If you believe that:  

 	 your password may have been lost or stolen, 
 	 a Handheld Device you use to access the Service has been lost, stolen or compromised, or 
 	 someone has viewed, downloaded, or deleted electronic records from your Eligible Account or Online Financial Service without your permission, 

	 or if you suspect any fraudulent activity on your Eligible Account, you agree to immediately notify Wells Fargo Online Customer Service by:  

 	 calling 1-800-956-4442 anytime, 24 hours a day, 7 days a week, or

	 writing to Wells Fargo Bank, P.O. Box 4132, Concord, CA 94518-4917.

	 In the event of unauthorized use of your username and password, or any other security or authentication technique we utilize, you may be liable for resulting losses, to the extent permitted by law, unless you fulfill your responsibilities under our Online Security Guarantee. 

	 Information exchanged through the Service is protected by advanced encryption techniques while being transmitted. These security measures still require your responsible behavior in protecting your username and password for the Service. Please use maximum caution in protecting your username and password.  

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	 17. PRIVACY AND USE OF INFORMATION  

	 We are committed to protecting your privacy. All information gathered from you in connection with using the Service will be governed by the provisions of the Wells Fargo Privacy Policy, including the Online and Mobile Privacy Policy.  

	 You agree that we may, in our sole discretion, collect and retain certain information and use that information to market our products and services to you. However, if your only relationship with us is as a participant in an employer-sponsored retirement or deferred compensation plan, we will not treat this paragraph as authorizing us to market our products and services to you.  

	 The type of information we may collect, retain and use concerning you includes, but is not limited to, your name, address, phone number, email address, and the IP address and other identifiers related to the computers and Handheld Device(s) you use to access the Service. The information may be stored in the United States or other countries, and is protected in accordance with Wells Fargo information security standards.  

	 You agree that if you access the Service, or use an Online Financial Service, we may track and record your geographic location.  

	 We may use automated processes to detect any use of the Service that violates the terms of this Agreement or any applicable law.  

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	 18. ADDITIONAL RESPONSIBILITIES  

	 You are responsible for:  

 	 actions that may be taken by anyone using the Service after signing in with your username and password. We are entitled to rely and act upon instructions received under your username and password. 

	 keeping your username and password confidential and for ensuring that you have signed off from the Service when your session is complete to prevent unauthorized persons from using the Service.

	 You agree that you will be the only user of your username and password, that you will not transfer or disclose any of this information to any other person, and that you will be responsible for all usage of the Service and any fees associated with use of other services accessed through the Service on your Eligible Account whether or not authorized by you. You agree to immediately notify Wells Fargo Online Customer Service at 1-800-956-4442 and report any actual or suspected unauthorized use of your username or password.  

	 You agree to provide true, accurate, current and complete information about yourself as requested and you agree to not misrepresent your identity.  

	 You will:  

 	 not use the Service for any illegal purposes; 
 	 comply with all regulations, policies and procedures of networks through which you access and use the Service; 
 	 not use the Service for any activity or use that may disrupt the Service or the networks through which you access or use the Service; and 

	 not access or attempt to access any Service account for which you have no access authorization, or duplicate, modify, distribute or display any of the data or files from any such account.

	 You are responsible for and must provide all telephone and other equipment, software (other than any software provided by us) and services necessary to access the Service.  

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	 19. DISCLAIMER OF WARRANTIES; LIMITS ON OUR LIABILITY AND OBLIGATIONS TO YOU; YOUR AGREEMENT TO INDEMNIFY US AGAINST CERTAIN LOSSES  

	 A. DISCLAIMER OF WARRANTIES
 To the fullest extent permitted by law, we make no warranties of any kind for the Service, either express or implied, including but not limited to, implied warranties of merchantability or fitness for a particular purpose. We do not warrant that the Service will be uninterrupted or error free, that defects will be corrected, or that our Website that makes the Service available is free of viruses or other harmful components.  

	 B. LIMITS ON OUR LIABILITY AND OBLIGATIONS TO YOU
 In no event will Wells Fargo or any of its officers, directors, shareholders, parents, subsidiaries, affiliates, agents, licensors, or third-party service providers be liable for any: (a) consequential (including without limitation, loss of data, files, profit or goodwill or the costs of procurement of substitute goods or service); (b) indirect; (c) incidental; (d) special; or (e) punitive; damages; whether in an action under contract, negligence or any other theory, arising out of or in connection with this Agreement, the Service, or the inability to use the Service, due to reasons including: (a) scheduled system maintenance; or (b) circumstances beyond our control, such as; 1) power outages, 2) system failures, 3) fire, 4) flood, 5) natural disasters, 6) extreme weather, 7) cyber attacks, including Denial of Service (DoS), etc.), even if advised of the possibility of such damages. Some states may prohibit the limitation of liability for consequential or incidental damages. In those states the limitation of liability with respect to consequential or incidental damages (or other damages specified by law in such state) may not apply.  

	 Except as specifically provided in this Agreement or otherwise required by applicable law, we (and our service providers or other agents) will not be liable for:  

	 any loss or liability you may incur resulting in whole or part from any failure or misuse of: 

 	 - your equipment; or
 	 - software provided by an external company such as an Internet browser provider, an Internet access provider, an online service provider or an agent or subcontractor of any of them; or

	 any direct, indirect, special or consequential, economic or other damages arising in any way out of your access to or use of, or failure to obtain access to the Service.

	 Wells Fargo does not make any representation that any content or use of the Service is appropriate or available for use in locations outside of the continental United States, Alaska or Hawaii.  

	 We will not be obligated to honor, in whole or in part, any transaction or instruction which:  

 	 is not in accordance with any term or condition of this Agreement or any other agreement applicable to the relevant Online Financial Service or Eligible Account; 
 	 we have reason to believe may not be authorized by you or any other person whose authorization we believe is necessary or involves funds or other property subject to a hold, dispute, restriction or legal process we believe prevents the transaction or instruction; 

	 would violate: 

 	 - any applicable provision of any risk control program of the Federal Reserve or the Office of the Comptroller of the Currency, or
 	 - any applicable rule or regulation of any other federal or state regulatory authority;

  	 is not in accordance with any other requirement of our policies, procedures or practices; or 

	 we have other reasonable cause not to honor for our or your protection.

	 In no event will Wells Fargo be liable for any failure of availability or performance due to scheduled system maintenance or circumstances beyond our control (such as power outage, computer virus, system failure, fire, flood, earthquake, or extreme weather).  

	 C. YOUR AGREEMENT TO INDEMNIFY US
 Except to the extent that we are liable under the terms of this Agreement or another agreement governing the applicable Eligible Account or Online Financial Service, you agree to indemnify, defend, and hold us, our affiliates, officers, directors, employees, consultants, agents, service providers, and licensors harmless from any and all third-party claims, liability, damages, and/or costs (including but not limited to reasonable attorney's fees) arising from:  

 	 a third-party claim, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or other materials submitted by you to us; 
 	 any fraud, manipulation, or other breach of this Agreement or the Service; 
 	 your violation of any law or rights of a third party; or 

	 the provision of the Service or use of the Service by you or any third party.

	 We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses. You will not settle any action or claims on our behalf without our prior written consent. This indemnification is provided without regard to whether our claim for indemnification is due to the use of the Service by you or your Authorized Representative or your Delegate.  

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	 20. DISPUTE RESOLUTION PROGRAM: ARBITRATION PROVISION; WAIVER OF CLASS ACTION RIGHTS; WAIVER OF RIGHT TO A JURY TRIAL  

	 This Section ("Arbitration Provision") constitutes the arbitration agreement between you and us and includes a mutual waiver of class action rights. This Arbitration Provision governs disputes concerning:  

 	 interpretation of this Agreement (including the meaning of this arbitration agreement and whether a disagreement is a "dispute" subject to binding arbitration as provided for in this arbitration agreement); 
 	 the Service;
 	 the Online Access Process; and 

	 Online Financial Services ("Covered Disputes").

	 Disputes concerning brokerage accounts that are Eligible Accounts are governed by the Pre-Dispute Arbitration Agreement and governing law provisions contained in the brokerage account agreement document, which takes precedence over this section. Disputes arising under any separate agreement governing your other Eligible Accounts will be governed by the dispute resolution and governing law provisions of that agreement, which also take precedence over this section.  

	 A. NON-JUDICIAL RESOLUTION OF DISPUTES
 You and we agree that any Covered Disputes between or among you and us, regardless of when it arose, will, upon demand by either you or us, be resolved by the following arbitration process. YOU UNDERSTAND AND AGREE THAT YOU AND WE ARE EACH WAIVING THE RIGHT TO A JURY TRIAL OR A TRIAL BEFORE A JUDGE IN A PUBLIC COURT. As an exception to this Arbitration Provision, both you and we retain the right to pursue in small claims court in the state where you reside any dispute that is within that court's jurisdiction.  

	 B. DEFINITION OF DISPUTES
 A dispute is any unresolved disagreement between or among you and us. It includes claims based on broken promises or contracts, torts (injuries caused by negligent or intentional conduct) or other wrongful actions. It also includes statutory, common law, and equitable claims. A dispute also includes any disagreement about the meaning of this Arbitration Provision, and whether a disagreement is a "dispute" subject to binding arbitration as provided for in this Arbitration Provision.  

	 C. BINDING ARBITRATION; WAIVER OF CLASS ACTION RIGHTS; SEVERABILITY
 Binding arbitration is a means of having an independent third party resolve a Covered Dispute without using the court system, judges or juries. Either you or we may require the submission of a Covered Dispute to binding arbitration at any reasonable time, notwithstanding that a lawsuit or other proceeding has been commenced. If either you or we fail to submit to binding arbitration following a lawful demand, the one who fails to so submit bears all costs and expenses (including attorney's fees and expenses) incurred by the other in compelling arbitration.  

	 NEITHER YOU NOR WE WILL BE ENTITLED TO JOIN OR CONSOLIDATE COVERED DISPUTES BY OR AGAINST OTHERS IN ANY ARBITRATION, OR TO INCLUDE IN ANY ARBITRATION ANY COVERED 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, will be administered by the American Arbitration Association ("AAA"), or such other administrator as you and we 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 Provision, this Arbitration Provision will control. Arbitrator(s) must be a member of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the Covered Dispute.  

	 You and we each agree that in this relationship:  

 	 you and we are participating in transactions involving interstate commerce; 
 	 the Arbitrator shall decide any dispute regarding the enforceability of this Arbitration Provision; and 

	 each arbitration is 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 governing the relationship between you and us about which the Covered Dispute arose.

	 To find out how to initiate an arbitration, please call any office of the AAA or visit the AAA website at http://www.adr.org/.  

	 If any of the provisions of this arbitration agreement dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be unlawful or unenforceable, that invalid provision shall not be severable and this entire arbitration agreement shall be unenforceable.  

	 D. RIGHTS PRESERVED
 This Arbitration Provision and the exercise of any of the rights you and we have under this Arbitration Provision do not stop you or us from exercising any lawful rights to use other remedies available to preserve, foreclose, or obtain possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment, or court appointment of a receiver by a court having jurisdiction.  

	 E. MISCELLANEOUS
 You and we each agree to take all steps and execute all documents necessary for the implementation of arbitration proceedings. The arbitrator may hear and rule on appropriate dispositive motions as part of the arbitration proceeding, such as motions for judgments on the pleadings, summary judgment, or partial summary judgment. The AAA, the arbitrators, you and we, must, to the extent feasible, take any necessary action to ensure that an arbitration proceeding, as described in this Arbitration Provision, is completed within 180 days of filing the Covered Dispute with the AAA. These parties must not disclose the existence, content, or results of the arbitration, except for disclosures of information required in the ordinary course of business or permitted by applicable law or regulation. This provision will be liberally construed in order to ensure the enforcement of this Arbitration Provision. Arbitration proceedings are conducted in the state where you reside or at a location determined by the AAA.  

	 All statutes of limitations applicable to any Covered Dispute apply to any arbitration between you and us. The provisions of this Arbitration Provision will survive termination, amendment, or expiration of your Account relationship or the governing Agreement or any other relationship between you and us. This Arbitration Provision constitutes the entire agreement between you and us and supersedes all prior arrangements and other communications concerning dispute resolution. If more than one arbitration agreement entered into by you and us is potentially applicable to a Covered Dispute, the one most directly related to the Eligible Account or transaction that is the subject of the dispute will control.  

	 F. 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 law applicable to this Agreement 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.  

	 G. SMALL CLAIMS COURT
 Notwithstanding anything herein to the contrary, each party retains the right to pursue in Small Claims Court any dispute in which the remedy sought is entirely within that court's jurisdiction.  

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	 21. NOTICES AND COMMUNICATION  

	 A. GENERALLY
 Except as expressly provided otherwise in this Agreement, we will provide you notices and other information regarding your Eligible Account, Online Financial Service, or the Service (collectively "Account-Related Information") through mail, electronically, or by other means available. This information will be sent to the postal or electronic address ("E-Address") of the Owner of the applicable Eligible Account or Online Financial Service as reflected in our records, unless a different postal or electronic address has been specified in accordance with procedures we may establish from time to time. The E-Address may be an e-mail address, other Internet address, text messaging number, or other electronic access address provided to us in accordance with this Agreement. Any Account-Related Information will be deemed to have been sent on the first Business Day following the date on it. Account-Related Information that is held for pick-up or posted on our Website will be deemed to be delivered to, and received by, you at the time that we make it available for pick-up, display it to you, or send notice in accordance with this Agreement that it is posted on our Website, as applicable. The person receiving the notice is responsible for providing copies of all Account-Related Information to all joint Owners, Delegates, or other persons with access to the applicable Eligible Account or Online Financial Service. We reserve the right at all times to communicate all Account-Related Information to you through the U.S. Postal Service or overnight courier, at our sole option.  

	 B. ELECTRONIC DELIVERY AND COMMUNICATION
 Unless otherwise required by applicable law, if we are required to provide you with information in writing, we may, at our option, send it electronically either:  

 	 to your E-Address; 
 	 by posting the information on our Website or to your online banking secure mailbox, and sending you a notice to your postal address or E-Address (either separately or as part of an account statement) telling you that the information has been posted and providing instructions on how to view it; or 

	 to the extent permitted by law, by posting the information to our Website. You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review on our Website.

	 You agree that we may from time to time make telephone calls and send text messages to you in order for us to:  

 	 service your accounts; 
 	 collect any amount you may owe; or 

	 discuss our relationship, products and services with you.

	 If your only relationship with us is as a participant in an employer-sponsored retirement or deferred compensation plan, we will not treat this paragraph as authorizing us to make telephone calls or send text messages to you to discuss other products and services we offer.  

	 The ways we may call you include using prerecorded/artificial voice messages and/or through the use of an automatic telephone dialing system. The ways we may send text messages to you include through the use of an automatic telephone dialing system. We may call you and send text messages to your telephone number, including mobile/cellular telephone numbers that could result in charges to you. 

	Effective October 16, 2013, we will not use an automatic telephone dialing system to make telemarketing calls or send marketing text messages to your mobile/cellular telephone numbers and will not use an artificial or prerecorded voice to deliver telemarketing messages to your mobile/cellular telephone or wired residential telephone based on the agreements you make in this subsection 21.B. of this Agreement.  

	 C. RETURNED, UNCLAIMED ACCOUNT-RELATED INFORMATION
 Unless otherwise prohibited by the laws governing your Eligible Account or Online Financial Service, this Sub-section applies if two or more separate Account-Related Information documents are returned or, in the case of electronic notifications, one or more notices are returned as undeliverable. This means we may discontinue sending Account-Related Information or electronic notifications to you until you provide a valid postal or E-Address to us. Additionally, we may, at our sole option:  

 	 destroy Account-Related Information that is sent to you and returned to us as undeliverable; 
 	 hold the Account-Related Information for your Account for you to pick-up; or 

	 discontinue sending the Account-Related Information through the delivery channel generating returns and utilize an alternative delivery channel.

	 For example, if we are sending your Account-Related Information to you via the U.S. Postal Service, and the information is returned to us as undeliverable on two or more occasions, we may attempt to deliver the information to your E-Address, instead. If we hold Account-Related Information for you to pick-up and it remains unclaimed for 60 days, we may send the Account-Related Information to the address reflected in our records for your Eligible Account or destroy it.  

	 D. ADDRESS CHANGES
 You agree that you will notify us immediately in the event of a change to your address or E-Address. Address changes may be initiated:  

 	 at your request. You may instruct us to change the address or E-Address to which we send notices or Account-Related Information concerning your Account at any time. 
 	 if we receive an address change notice from the U.S. Postal Service. 

	 if we receive information from another party in the business of providing correct address information that the address in our records no longer corresponds to your address.

	 We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction. Unless you instruct us otherwise, we may in our sole discretion change the postal or E-Address only for the account(s) you specify or for all or some of your other account(s) with us.  

	 Please note that:  

 	 You must follow the separate procedures established by your employer or plan administrator for changing the address associated with an employer-sponsored retirement or deferred compensation plan. 
 	 Address changes made with us will not be reported to any of your insurance carriers. You must contact the insurance carriers directly to change any insurance policy record. 

	 E. IMPLEMENTATION OF NOTICES
 Any notice you send us will not be effective until we actually receive it and have a reasonable opportunity to act on it. If there is more than one Owner on your Eligible Account, we may send Account-Related Information to any one of them. You assume the risk of loss in the mail or otherwise in transit. Any notice or Account-Related Information we send you will be effective when mailed, sent electronically or otherwise made available to you.  

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	 22. EXPORT CONTROL; INTERNATIONAL USE  

	 The United States controls the export (including the download) of products and information containing encryption ("Controlled Technology") under the Export Administration Regulations ("EAR"). This Service may contain Controlled Technology subject to the EAR. You agree to access and/or download Controlled Technology related to this Service. You further agree in your use of the Service not to access or download Controlled Technology from any country where such access or download is prohibited by U.S. export control laws (currently North Korea, Iran, Cuba, Sudan, or Syria), and agree that you are not a person or entity to whom such access or download is prohibited. Those choosing to access the Service from locations outside the United States do so at their own risk and are responsible for compliance with local laws.  

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	 23. GENERAL PROVISIONS  

	 A. AMENDMENTS TO THIS AGREEMENT  

	 EXCEPT AS OTHERWISE REQUIRED BY LAW, WE MAY IN OUR SOLE DISCRETION CHANGE THE TERMS OF THIS AGREEMENT FROM TIME TO TIME AND AT ANY TIME. THIS MAY INCLUDE ADDING NEW OR DIFFERENT TERMS TO, OR REMOVING TERMS FROM, THIS AGREEMENT. When changes are made we will update this Agreement on the Website. The Website will be updated on or before the effective date, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that it be updated an earlier time. If such a change is made, and it can't be disclosed without jeopardizing the security of the system, this Agreement will be updated within 30 days after the change. You will be notified as soon as possible when any changes are made which materially affect your rights, such as changes regarding how your information is maintained or used, or changes to the terms of this Agreement. By continuing to use the Service after we send you notice of any change, you agree to the change. Changes to fees or terms applicable to Eligible Accounts are governed by the agreement otherwise governing the applicable account. Except as otherwise required by law, any change to this Agreement applies only to transactions that occur, or claims that arise, after the amendment becomes effective.  

	 B. TERMINATION OF THIS AGREEMENT
 This Agreement will be in effect from the date your enrollment in the Service is submitted by you and accepted by us and at all times while you are using the Service or any Online Financial Service. Unless otherwise required by applicable law, either you or we may terminate this Agreement and/or your access to any Eligible Account or Online Financial Service through the Service, in whole or in part, at any time without notice. The termination of this Agreement will not terminate your obligations or our rights arising under this Agreement before such termination.  

	 Access to an Eligible Account or Online Financial Service through the Service, in whole or in part, may be suspended and/or reinstated by us, at our discretion, at any time. If reinstated, the then current terms of this Agreement will control. You may request reinstatement of an Eligible Account or Online Financial Service by calling Wells Fargo Online Customer Service at 1-800-956-4442.  

	 If you do not access your Eligible Accounts through the Service for a period of 24 consecutive months, we may terminate your Service, including Online Financial Services accessed through the Service, without prior notice to you.  

	 If you wish to cancel any of your Online Financial Services, contact Wells Fargo Online Customer Service at 1-800-956-4442 or send us cancellation instructions in writing to Wells Fargo Bank, P.O. Box 4132, Concord, CA 94518-4917. For Wells Fargo Advisors accounts, call 1-877-879-2495. 

	 All applicable provisions of this Agreement will survive termination by either you or us, including, without limitation, provisions related to intellectual property, warranty disclaimers, limitations of liability, indemnification, and the miscellaneous provisions.  

	 C. GOVERNING LAW
 Each of your Eligible Accounts and Online Financial Services will continue to be read and interpreted according to the laws described in the agreements you have with us regarding those Eligible Accounts or Online Financial Services (for example, your deposit account agreement or your credit card agreement with us). This Online Access Agreement, on the other hand, will be read and interpreted according to the laws of the State of South Dakota, without regard to conflict-of-law rules. In any legal action or claim regarding this Online Access Agreement, the prevailing party will be entitled to recover costs and reasonable attorney fees.  

	 D. ASSIGNMENT
 We may assign our interest in this Agreement to Wells Fargo & Company, its successors, or to any now-existing or future direct or indirect subsidiary of Wells Fargo & Company; however, you may not assign or transfer this Agreement. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.  

	 E. PROPRIETARY RIGHTS
 Other than your personal account information, all content included or available on the Service, such as advertisements, text graphics, logos, button icons, images, audio clips, and software, is the property of Wells Fargo, and/or third parties and is protected by copyrights, trademarks, or other intellectual and proprietary rights. The compilation (meaning the collection, arrangement, and assembly) of all content on the Service is the exclusive property of Wells Fargo and/or its licensors and is protected by copyright or other intellectual property rights.  

	 The trademarks, logos, and service marks displayed on the Service (collectively the "Trademarks") are the registered and unregistered trademarks of Wells Fargo, or third parties. Under no circumstances may you use copy, alter, modify, or change these Trademarks. Nothing contained on the Service should be construed as granting by implication or otherwise any license or right to use any Trademark without the express written permission of Wells Fargo, or the third party which has rights to such Trademarks, as appropriate.  

	 F. ENTIRE AGREEMENT
 In combination with other applicable Wells Fargo agreements as described in Section 1.B. of this Agreement, this Agreement represents the agreement between you and Wells Fargo regarding the Service and merges and supersedes all previous and contemporaneous written or oral agreements and understandings regarding the subject of online access. Each of the rules, terms, and conditions set forth in this Agreement stand alone. Any term or condition contained in this Agreement which is inconsistent with the laws governing the Service will be deemed to have been modified by us and applied in a manner consistent with such laws. Except as otherwise expressly provided in this Agreement, if any provision of this Agreement is held to be invalid or otherwise unenforceable, the remainder of the provisions will remain in full force and effect and will in no way be invalidated or otherwise affected.  

	 G. WAIVER
 We may agree in writing (or otherwise) to waive a provision of this Agreement, including a fee (a "waiver"). We may revoke any waiver.  

	 H. FAILURE TO ACT IS NOT A WAIVER
 Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.  

	 I. HEADINGS
 Headings are for reference only and in no way define, limit, construe, or describe the scope or extent of such section.  

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	 If you have any questions regarding this Agreement, please contact Wells Fargo Online Customer Service at 1-800-956-4442.

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