IMPORTANT DISCLOSURES Page 1 of 6
ExpressSend customer service: 1-800-556-0605
Wells Fargo ExpressSend
®
Service
Terms and Conditions — Effective September 25, 2024
Service Description
You can use the Wells Fargo ExpressSend service (the "Service") to send money to friends and family in select countries outside the United States from
your eligible Wells Fargo consumer checking or savings account. These transfers are called "Remittances," and the person you designate to receive the
funds is the "Beneficiary." Your Beneficiary can receive your Remittances at one of our Remittance Network Members (RNMs) listed by country in Table 1
below. Depending on the delivery methods available at the Remittance Network Member, you can send funds for credit to the Beneficiary's account or for
cash pick-up by the Beneficiary.
Table 1 — Transfer Fees, Remittance Network Members, Delivery Methods and Daily Transfer Limits:
Country Transfer Fee Remittance Network Member Remittance
Currency
Available Delivery Methods Daily Transfer
Limit (US$)
Mexico $6 BBVA Mexican pesos Credit to account $1,500
Cash pick
-up $650
Banor
te Mexican pesos Credit to account $1,500
Cash pick
-up $1,000
Banco Santander
1
Mexican pesos Credit to account $600
Cash pick
-up $500
Soriana
Mexican pesos Cash pick-up $1,000
T
elecomm Telégrafos (Financiera
para el Bienestar)
Mexican pesos Cash pick-up $1,500
F
armacias Guadalajara Mexican pesos Cash pick-up $500
Bodega A
urrera
2
Mexican pesos Cash pick-up $500
W
almart Mexican pesos Cash pick-up $500
W
almart Express Mexican pesos Cash pick-up $500
Dominican
Republic
$5 Banco BHD León Dominican pesos Cash pick-up $1,500
Banr
eservas Dominican pesos Cash pick-up $1,500
El Salvador $11 Banco Agrícola U.S. dollars Credit to account or cash pick-up (Branch) $1,500
Cash pick
-up (Correspondent Agent) $1,000
Banco Davivienda Salvador
eño U.S. dollars Credit to account or cash pick-up $1,500
Sistema F
edecrédito U.S. dollars Credit to account or cash pick-up $1,500
Banco Cuscatlán
U.S. dollars Credit to account or cash pick-up $1,500
3
R
emesas BAC Credomatic U.S. dollars Credit to account or cash pick-up $1,500
Despensa Don Juan
U.S. dollars Cash pick-up $1,000
3
Despensa F
amiliar U.S. dollars Cash pick-up $1,000
3
W
ALMART U.S. dollars Cash pick-up $1,000
3
Maxi Despensa
U.S. dollars Cash pick-up $1,000
3
Guatemala $5 Banrural Guatemalan quetzals Credit to account or cash pick-up $1,500
Banco Industrial, S.A.
Guatemalan quetzals Credit to account or cash pick-up $1,500
G&T Continental
Guatemalan quetzals Credit to account or cash pick-up $1,500
Honduras $9 Banco Ficohsa Honduran lempiras Credit to account or cash pick-up (Branch) $1,500
Cash pick
-up (TENGO Location) $500
Banco A
tlántida Honduran lempiras Credit to account or cash pick-up $1,500
Nicaragua $11 Banpro U.S. dollars Credit to account or cash pick-up $1,500
Banco LAFISE BANCENTR
O U.S. dollars Credit to account or cash pick-up $1,500
Colombia $5 BBVA Colombian pesos Credit to account
4
$1,500
Cash pick
-up $500
Bancolombia
Colombian pesos Credit to account or cash pick-up
4 ,5
$1,500
Banco Davivienda
Colombian pesos Credit to account or cash pick-up
4 ,5
$1,500
6
Grupo Éxito (Éxito
, Carulla)
7
Colombian pesos Cash pick-up
5
$1,000
6
Ecuador $9 Banco Guayaquil U.S. dollars Credit to account or cash pick-up $1,000
SERVIP
AGOS (VIA PRODUBANCO) U.S. dollars Cash pick-up $1,000
BANCO BOLIV
ARIANO U.S. dollars Credit to account or cash pick-up $1,000
Peru $8 BBVA U.S. dollars Cash pick-up $500
Banco de Cr
édito del Perú U.S. dollars Credit to account or cash pick-up $1,000
Interbank
U.S. dollars Credit to account $1,000
India $3 ICICI Bank Indian rupees Credit to account $5,000
HDFC Bank
Indian rupees Credit to account $5,000
Axis Bank
Indian rupees Credit to account $5,000
ExpressSend customer service: 1-800-556-0605
Table 1 — Transfer Fees, Remittance Network Members, Delivery Methods and Daily Transfer Limits (Continued):
Country Transfer Fee Remittance Network Member Remittance
Currency
Available Delivery Methods Daily Transfer
Limit (US$)

IMPORTANT DISCLOSURES Page 2 of 6
Philippines $5 Bank of the Philippine Islands Philippine pesos Credit to account or cash pick-up $3,000
BDO Unibank Philippine pesos Credit to account or cash pick-up $3,000
Philippine National Bank (PNB) Philippine pesos Credit to account or cash pick-up $3,000
Metrobank Philippine pesos Credit to account $3,000
M Lhuillier Philippine pesos Cash pick-up $1,000
Cebuana Lhuillier Philippine pesos Cash pick-up $1,000
Vietnam $12 Vietinbank U.S. dollars Credit to account or cash pick-up $5,000
Vietcombank U.S. dollars Credit to account or cash pick-up $5,000
1. The cumulative monthly transfer limit per beneficiary is $1,500 total per calendar month, regardless of whether funds are sent for cash pick-up, credit
to account, or a combination of these methods.
2. This service is not available at Bodega Aurrera Express locations.
3. Remittances sent to your Beneficiary at Banco Cuscatlán, WALMART, Despensa Don Juan, Despensa Familiar, and Maxi Despensa, from all remittance
providers, will be aggregated for purposes of determining whether the amount or transaction limits have been reached. When your Beneficiary
attempts to pick up a remittance at any of these locations, the aggregate amount and number of transactions picked up will count toward these
amount or transaction limits. Each RNM will reject any transaction that exceeds the amount or transaction limit. Maximum of $9,999 USD per
calendar month.
4. Customers sending money for credit to an account in Colombia must ensure their Beneficiary has activated Automatic Credits ("Abono Automático")
with their bank prior to the sender adding the "credit to account" receiving method to their ExpressSend service agreement. For Beneficiaries who are
already enrolled in Automatic Credits ("Abono Automático") at Bancolombia, any Cash Pick-up Remittances received may be automatically deposited
into the Beneficiary's enrolled account.
5. The Bancolombia and Banco Davivienda branches as well as Grupo Éxito stores in the city of Cúcuta are not paying out cash remittances until further
notice. Bancolombia branches in the cities of Ipiales, Buenaventura, Arauca, and Necoclí are not paying out cash remittances until further notice. New
cities may be added at any time.
6. Remittances sent to your Beneficiary at both Banco Davivienda and Grupo Éxito, from all remittance providers, will be aggregated for purposes of
determining whether the amount or transaction limits have been reached. When your Beneficiary attempts to pick up or receive a remittance at
either institution, the aggregate amount and number of transactions picked up or received on that day from both institutions will count toward these
amount or transaction limits. Each RNM will hold any transaction that would exceed the amount or transaction limit.
7. Almacenes ÉXITO S.A., correspondent agent for Banco Davivienda, S.A., foreign exchange market intermediary. Not applicable for Éxito Express
nor for Exito.com *. ÉXITO
®
is a registered trademark of Almacenes Éxito S.A. This service is not available at Surtimax locations. Service available at
participating Carulla stores. Your beneficiary can contact Carulla at 018000110007.
* Wells Fargo has provided this link for your convenience but does not control or endorse the website and is not responsible for the products, services,
content, links, privacy policy, or security policy of the website.
Please note: The Remittance Network Members are not affiliates of any Wells Fargo company, and no Wells Fargo company guarantees deposits or funds
maintained at any of these institutions; nor is any Wells Fargo company responsible for the actions or inaction of these institutions. Once funds are transferred
they are NOT FDIC insured.
Setting up the Service
You must complete a Wells Fargo ExpressSend Service Agreement ("Service Agreement") for each Beneficiary to whom you wish to send money. You may
only have one Service Agreement for each Beneficiary per country. The Service Agreement must include the beneficiary's full name and current physical
address in the country to which you are sending the funds. You may have up to four open Service Agreements at any time.
ExpressSend is intended for consumer use and is not to be used for commercial or business payments. The funding source for ExpressSend transfers
must be an eligible Wells Fargo consumer checking or savings account (not all checking and savings accounts are eligible). By using ExpressSend, you
represent that the Remittances are not being sent for commercial or business purposes or on behalf of third parties. Minors (persons who have not
reached the age of majority) may not enroll in the Service. You agree to provide documentation supporting the source of funds remitted using the
Service upon our request.
When completing a Service Agreement, you must provide the name, address, and telephone number of your Beneficiary, and you must select the
Remittance Network Member(s) to which your funds may be sent. The full physical address of your Beneficiary must be provided, and it must be located
in the country to which your Remittance is to be sent. Post Office Box addresses are not allowed. The telephone number you provide for your Beneficiary
must be a number in the country to which your Remittance is to be sent or a U.S. telephone number. You must also indicate whether the number is
a mobile or land line. We will be unable to establish your Service Agreement if you do not provide this information. For all Remittances, it is your
responsibility to provide the correct information for your Beneficiary, the Remittance Network Member, and, where applicable, the Beneficiary's
account to be credited.
The first Remittance you send under each Service Agreement must be completed in person at a Wells Fargo branch. Customers with an existing checking
or savings account may be able to complete their first Remittance by calling Wells Fargo Phone Bank, subject to caller authentication requirements and
additional fraud prevention controls. Additional Remittances may be completed:
• At aWells Fargo branch
• By calling Wells Fargo Phone Bank, or
• Through Wells Fargo Online
®
at wellsfargo.com
All Remittances are subject to applicable federal, state and local laws and regulations of the United States and the destination country, as well as
Wells Fargo's policies and the transfer limits described below.
ExpressSend customer service: 1-800-556-0605
IMPORTANT DISCLOSURES Page 3 of 6
You must be the sole owner, a primary or secondary joint owner, or have power of attorney on the funding account to use ExpressSend. If you are using
a joint account to send Remittances, you should be aware that the Service Agreement is established on an individual basis in your name only. If the other
joint owners wish to send Remittances using the joint account, each joint owner must complete a Service Agreement.
Credit to Account Remittances:
If Remittances are to be credited to an account ("Credit to Account Remittance"), you must provide the Beneficiary's qualifying account number. The
Beneficiary name you provide must be exactly as it appears on the account records at the Remittance Network Member. You must also ensure that the
account you designate can accept transfers denominated in the Remittance Currency listed in Table 1 of this document for the applicable Remittance
Network Member. After providing this information, you should allow up to five (5) Business Days for the Beneficiary account details to be established
before you make a Remittance to be credited to an account.
FOR REMITTANCE TRANSFERS TO BE CREDITED TO YOUR BENEFICIARY'S ACCOUNT,
YOU MUST PROVIDE THE CORRECT BENEFICIARY ACCOUNT NUMBER. YOU COULD
LOSE THE ENTIRE TRANSFER AMOUNT IF THIS NUMBER IS INCORRECT.
Cash Pick-up Remittances:
If Remittances are to be sent for cash pick-up ("Cash Pick-up Remittance"), the Beneficiary name you provide must match exactly the name appearing on
the government issued identification document(s) the Beneficiary will present when collecting the funds. Note: Not all RNMs accept foreign passports,
including the U.S. passport, as a valid form of identification for a Beneficiary to collect Cash Pick-up Remittances. For information on an RNM's accepted
types of identification for Cash Pick-up Remittances, you may call us at 1-800-556-0605. You may send Cash Pick-up Remittances as soon as your
Service Agreement is established.
Receiving Remittances
To retrieve a Cash Pick-up Remittance, your Beneficiary must present the Beneficiary Cash Pick-up Confirmation Number we provide to you, acceptable
identification with name matching exactly what you provided when enrolling in the ExpressSend service, and any other information or authentication
required by the Remittance Network Member (some RNMs may require your Beneficiary to submit to a fingerprint scan or photograph to collect funds)
during their normal business hours. For Remittances sent to your Beneficiary for cash pick-up, the availability of funds at an RNM payout location may be
delayed based on unanticipated conditions such as natural disasters, civil disturbances, system issues, currency availability, local regulatory requirements
or required receiver action(s). Location-specific security concerns may also prompt payout branches of bank RNMs to suggest alternatives (such as
opening an account) to carrying large amounts of cash out of the branch. Please contact us as soon as possible, if your Beneficiary experiences any issues
with the cash pick-up. For Credit to Account Remittances, your Beneficiary must open and maintain a qualifying deposit account with the Remittance
Network Member bank. This account is subject to the terms and fees applicable to the account as determined by the Remittance Network Member bank.
Some countries restrict or limit minors from performing certain financial transactions. It is your responsibility to ensure the Beneficiary can receive funds
sent to the designated Remittance Network Member.
Remittance Transfer Limits
There is a minimum amount for each Remittance which is subject to change at any time. In addition, in many cases a Remittance Network Member
may also apply limits to the number of transfers that an individual may pick up or receive during the noted period of time — not just Wells Fargo
ExpressSend transfers but transfers from all remittance providers. For current minimum transfer limits, call us at 1-800-556-0605 or check our website
at wellsfargo.com/limits .
You may not make Remittances that exceed any of the following limits:
(a) Daily Limit Per Agreement — The maximum aggregate daily limit for amounts which you may transfer to each Beneficiary under a Service
Agreement is listed in Table 1.
(b) Service Option Limits — Subject to any lower limits set forth in (a) above, the maximum aggregate daily limit for amounts which you may transfer is
$5,000 per day.
(c) Cumulative Limit — Subject to the limits set forth in (a) and (b) above, and the limits noted in (d) below, the maximum aggregate combined amount
that you can send during any rolling 30-day period using the Service is $12,500.
(d) Remittance Network Member Limits — Some Remittance Network Members have additional limits on the amount any one sender can remit or
any one Beneficiary can receive from any remittance provider or combination of remittance providers during a specified time frame. You may call us
at 1-800-556-0605 if you have questions about the limits. We are not responsible if your Remittance is rejected because of a Remittance Network
Member's limits.
We may change our limits from time to time without prior notice based on security, compliance, RNM requirements, or fraud concerns. Please note that
Remittance Network Members may also change limits without prior notice. For limits currently in effect, refer to our web site at wellsfargo.com/limits .
Changes to your Service Agreement
You can update or change your Service Agreement in person at a branch or by calling ExpressSend customer service at 1-800-556-0605. If you
make changes at the branch, you will be required to sign a new/updated Service Agreement. If you make changes to a Service Agreement by calling
ExpressSend customer service, you are required to use the Security Procedures described in Section 2 below. We will be unable to update or change your
Service Agreement if you do not provide the required Beneficiary information.
Terms of Use
1. Introduction
These Terms and Conditions, including the Service Description and Terms of Use, along with each Service Agreement and the account agreement for
the account you use to send Remittances ("Account"), govern your use of the Wells Fargo ExpressSend Service. In the Terms and Conditions, "you" and
"your" refer to the person using the Service, and Wells Fargo Bank, N.A., is "Wells Fargo," "we," or "our." By using the Service, you agree to these Terms and
Conditions.
ExpressSend customer service: 1-800-556-0605
IMPORTANT DISCLOSURES Page 4 of 6
2. Security Procedures
You agree to use the applicable security procedure described in this Section ("Security Procedure") when you initiate a Remittance. The purpose of the
Security Procedure is to verify the authenticity of a Remittance delivered to us in your name and not to detect errors in the transmission or content of
a Remittance. You agree the Security Procedure is commercially reasonable and, in view of your requirements, is a satisfactory method of verifying the
authenticity of Remittances. You agree you are bound by any Remittance, whether or not authorized, issued in your name and accepted by Wells Fargo in
compliance with the Security Procedure. The following paragraph describes the applicable Security Procedure in various settings.
When you come into a branch to complete or request information regarding a Remittance, we will verify your identity. When you make a telephone call, if
you have an assigned PIN (for ATM card, debit card, or PIN issued only for authentication purposes) or voice verification, and you are using the automated
phone bank system, we can use either of these or other forms of authentication to confirm your identity. If you do not have a PIN, voice verification or
if you do not use the automated phone bank system, we will use other information on file to verify your identity when you call. We may require you to
answer security questions, use random number generators, or one-time passcodes. If you complete a Remittance during a Wells Fargo Online session,
Wells Fargo leverages and employs the security procedures described in the Online Access Agreement related to security for Online Financial Services,
including specifically the provisions related to password security. You will use a username and a password, and/or such other security and authentication
methods as we may require from time to time. We may require you to answer security questions, use random number generators, or one-time passcodes.
We may require that you provide to us a permanent, text message-enabled U.S. mobile phone number that you intend to use for an extended period of
time (i.e., no "burner" numbers), before you initiate a Remittance online.
3. Authorization
By directing us to send a Remittance, you authorize us to: (1) debit your Account for the amount of the Remittance and any transfer fees and taxes; and
(2) act as your agent when completing or researching your Remittances.
4. Reliance on Information Provided
For Credit to Account Remittances, we and other banks rely on the Beneficiary's account number you provide. If your Service Agreement contains an
inconsistent Beneficiary account number and name, we will rely on the account number.
This means you could lose the entire transfer amount if you
provide an incorrect Beneficiary account number. You must ensure the Beneficiary's account can accept transfers denominated in the Remittance
currency listed in Table 1 of this document for the applicable Remittance Network Member.
5. Limitation of Liability
For Remittances, we are liable only for damages required to be paid as required by Subpart B of Regulation E, and under Article 4A of the Uniform
Commercial Code. We will not be liable for any indirect, incidental, consequential, punitive or special damages for any reason whatsoever, even if you tell
us about the possibility of such damages. Except as required by Subpart B of Regulation E, we will not be responsible for the acts or omissions of any
other person or entity, and no other person or entity will be considered our agent.
6. Delays or Delivery Failures
We will handle your Remittance requests as quickly as possible. We are not responsible if any Remittance is delayed or not delivered due to circumstances
beyond our control, including, but not limited to, any natural disaster, war, civil unrest, legal constraint, or governmental action or inaction.
7. Fees
ExpressSend transfer fees vary periodically, and are subject to change at any time. For the ExpressSend transfer fees in effect see Table 1 above, talk
to a Banker or refer to the ExpressSend Remittance Cost Estimator online at wellsfargo.com/costestimator .
In addition to the transfer fee, we make money if we convert U.S. dollars to a foreign currency. For information on foreign currency conversion, see
Section 10 below.
8. Available Balances
Subject to the Transfer Limits described above, you may only send Remittances using funds available in your Account. Your available balance will be
determined in accordance with our Funds Availability Policy as described in your account agreement. You will not be allowed to send a Remittance if your
available balance is less than the amount of your transfer and any associated fees and taxes.
9. Rejection of Remittance Requests
We reserve the right to reject your Remittance requests for any reason. For example, we may reject any Remittance requests that exceed your available
balance or the Transfer Limits described above, or if we are otherwise unable to complete your Remittance. For Remittance requests completed online
by using Wells Fargo Online
®
, all terms and conditions in the Online Access Agreement apply, including specifically any restrictions regarding the use
of online services outside the United States of America. ExpressSend is not available on the Wells Fargo Mobile
®
app. The ExpressSend service is not
optimized for mobile devices. You must use a desktop or laptop to conduct online ExpressSend transfers.
10. Funds Conversion to Remittance Currency
If you are sending a Remittance in a foreign currency, we will convert your funds to the foreign currency at our current exchange rate before sending the
Remittance to your Beneficiary.
Wells Fargo makes money when it converts one currency to another currency for you. The exchange rate provided to you is set by Wells Fargo in its
sole discretion, and it includes a markup. The markup may be based on many factors, including without limitation costs incurred, market risks, and our
desired return. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Also, different customers may
receive different exchange rates for transactions that are the same or similar. Wells Fargo reserves the right to refuse to process any request for a foreign
exchange transaction.
The estimated foreign exchange revenue earned by Global Remittance Services will be included on the Wells Fargo ExpressSend
®
Remittance Transfer
Record provided for each Remittance. For an estimate of the cost of an ExpressSend Remittance and the current foreign exchange rate, refer to the
online ExpressSend Remittance Cost Estimator at wellsfargo.com/costestimator .
11. Canceling or Amending a Remittance
You have the right to cancel a Remittance within 30 minutes of completing it. If you do not contact us within 30 minutes of completing the Remittance,
you may not be able to cancel it. If you cancel your Remittance within 30 minutes, we will refund all funds paid to us, including all fees and taxes, unless
the Remittance has already been picked up or deposited into your Beneficiary's account. We will provide your refund by crediting your account within
three business days after you cancel the Remittance.
ExpressSend customer service: 1-800-556-0605
IMPORTANT DISCLOSURES Page 5 of 6
The quickest and most efficient way to request a cancellation is by calling ExpressSend customer service at 1-800-556-0605, or logging on to your
Wells Fargo Online secure session at wellsfargo.com . When you call us, you must provide enough information so we can identify the Remittance you
wish to cancel. Generally, we need to know the amount of the transfer, where the funds were sent, and other information to identify and authenticate
you. You may also sign on to Wells Fargo Online to cancel a Remittance. After you sign on, proceed to the "Transfer and Pay" option and select "Send with
ExpressSend." Then, select the "History" link for the Service Agreement used to make the transfer and select the Remittance you wish to cancel.
If you want to amend or cancel a Remittance more than 30 minutes after you send it, we will try to amend or cancel it for you. We are not responsible if
we are unable to cancel or amend your Remittance. If we are able to cancel your Remittance, we will refund to your Account all amounts you paid to us,
including all fees and taxes.
Any Cash Pick-up Remittance not picked up by your Beneficiary within 30 days (15 days for Remittances to Bancolombia, Banco Davivienda or Grupo
Éxito) may be cancelled without notice. The unclaimed funds, including any fees and taxes paid to us, will be credited back to your Account. If your
Account has been closed, we will send a check to the address we have on file.
12. Remittance Errors and Error Resolution
You should examine your account statements and the disclosures we provide to you in connection with any Remittance to determine whether there are
any errors. If you identify an error, you must notify us as soon as possible and not later than 180 days after we promised the funds would be available to
the Beneficiary. If you do not notify us during these 180 days, we are not responsible for the error or any loss of interest related to your Remittance.
If you identify an error, you should call us at 1-800-556-0605 or write to us at the address listed in Section 14. When you contact us, please provide the
following information:
1. Your name, address, and the telephone number where we can reach you during Pacific daytime hours;
2. The date, amount, and Wells Fargo ExpressSend reference number for your Remittance;
3. The Beneficiary's name and the Beneficiary's telephone number;
4. The name of the Remittance Network Member where the Remittance was sent; and
5. A description of the error or problem with your remittance, and why you believe it is an error or problem.
We will review your claim and determine whether an error occurred within 90 days after you contact us. If we determine an error occurred, we will correct
it promptly and contact you with a resolution within three business days after completing our investigation. If we determine there was no error, we will
send you a written explanation, and you will have a right to ask for copies of any documents we relied on to reach our determination.
13. Unauthorized Transactions
Fraudulent or unauthorized transactions are not considered errors. If you did not authorize a Remittance sent from your account, you must notify us
within 60 days after we make the account statement reflecting the unauthorized Remittance available to you. If you fail to notify us within this 60 day
period, we will not be responsible for the unauthorized Remittance.
14. Customer Service Inquiries
If you have questions about the ExpressSend service, please call us at 1-800-556-0605 or write to us at:
Wells Fargo Bank, N.A.
MAC N9777-113 GRS
PO Box 5106
Sioux Falls, SD 57117-5106
You must contact us directly with any questions about a Remittance sent from your account. We are unable to respond to questions that are submitted
by your Beneficiary.
15. Arbitration
We incorporate by reference the section in your account agreement pertaining to dispute resolution procedures as if stated fully herein. Pursuant to
those procedures, you agree that our disputes may be decided before one or more neutral persons in an arbitration proceeding and not by a judge or jury
trial. Wells Fargo and you each agree to waive the right to a jury trial or a trial in front of a judge in a public court.
16. Information Gathering and Disclosure
To complete your Remittances, we collect information when you establish or amend a Service Agreement and when you request a Remittance. We will
not disclose any nonpublic personal or financial information related to the Service or any Remittance you send to third parties, except (a) as necessary to
complete a Remittance; (b) as permitted or required by law; or (c) in accordance with the Wells Fargo Privacy Policy.
17. Other Agreements
These Terms and Conditions do not affect the account agreement for your Account, or any other agreement you may have with Wells Fargo. You should
review the account agreement for your Account for any fees or limitations that may apply when you send a Remittance.
If there is a conflict between these Terms and Conditions and any other agreement you have with us, these Terms and Conditions control with respect to
your use of the ExpressSend service.
18. Waivers
We may agree in writing to waive part of these Terms and Conditions. This action is known as a "waiver." If we waive a right with respect to your Account
or the ExpressSend service on one or more occasions it does not mean we waive the same right on any other occasion.
19. Assignment
You may not assign any of your rights or responsibilities under the Terms and Conditions to any other party.
20. Severability
If any part of these Terms and Conditions is declared invalid, then that part will be considered modified and applied in a manner consistent with the
applicable law. The remaining terms are not affected.
ExpressSend customer service: 1-800-556-0605
IMPORTANT DISCLOSURES Page 6 of 6
21. Contract Language
We may translate our forms, disclosures and advertisements into another language for your convenience. If there is a discrepancy between our English
language materials and the materials in another language, the English language version controls unless (i) we otherwise agree with you in writing; or (ii)
the laws governing the Service specifically provide for a different result.
22. Governing Law
These Terms and Conditions will be governed by California law.
23. Consent to Agreement, and Changes to the Terms and Conditions
By signing the Service Agreement or using the Service, you agree to the ExpressSend Terms and Conditions, and the Service Agreement. We may make
changes to the Terms and Conditions at any time. When you continue to use the Service after a change becomes effective, you consent to the changes.
The current Terms and Conditions can be requested online at wellsfargo.com/sendersrights or by calling us at 1-800-556-0605.
24. Termination
You or Wells Fargo may terminate your use of the ExpressSend service at any time without notice. For example, we may terminate your access to the
Service if your Account is closed or restricted, or if we determine you are using the Service for commercial or business payments. If you don't use the
Service Agreement for 24 months (730 calendar days), the Service will automatically terminate.
Any Remittance we have already processed before the termination date will be completed, and termination will not affect your rights or responsibilities
with respect to Remittances we have processed for you. You are responsible for any Remittances initiated by you prior to termination.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
© 2024 Wells Fargo Bank, N.A.
ITL1616 (9/25/2024)