Insufficient funds notice/Extra Day Grace Period

The available balance in your Wells Fargo account XXXXXX6508 wasn't enough to cover the
following transactions on 05/05/2023.

Transaction Description Amount Action Fee

RLI INSURANCE CO BILLPAY 230505 RLI

$709.00 PAID pending
INSURANCE C THOMAS ONEILL

Extra Day Grace period

We're giving you an extra day to avoid the fees, if any, that are listed. Deposit7 or transfer money so
that your available balance3 (which includes pending debits) covers the listed paid transactions as of
midnight Eastern Time on 05/08/2023, and the fees will be waived.

What you need to do

Deposit or transfer enough money to your account to establish and maintain a positive
available balance if needed.
Please ensure you have enough money in your account so that your available balance3
covers any recent or upcoming account activity.
If a transaction is returned for non-sufficient funds there is no fee; however, it is still important
to make sure your available balance is increased enough to cover the transaction as these
items may be resubmitted for payment by the payee.
Please review any recent or upcoming account activity and any pending or additional
transactions that haven't been deducted from your available balance3. If these transactions
reduce your available balance before midnight Eastern Time during your Extra Day Grace
Period, you'll need to add enough money to cover those as well.
If your available balance isn’t enough to cover all of these transactions by midnight Eastern
Time, we'll cover as many as we can in the order they are listed. Any items with a fee showing
as "pending" that are not covered as of midnight Eastern Time will be assessed a $35
overdraft fee during our nightly processing up to a maximum of three fees (or up to a
maximum of two $15 overdraft fees for Teen Checking accounts).

What you need to know

Clear Access BankingSM accounts are not assessed overdraft fees5. However, if your account
is overdrawn, you must promptly repay the overdrawn balance.
All deposits and transfers are subject to the Bank's Availability of Funds Policy, including any
applicable holds on deposits and deposit cutoff times which can impact your available
balance. Deposits that are generally available immediately include cash deposits, transfers
from other Wells Fargo accounts and Zelle®4.
Pending transactions can result in overdrafts. If your available balance during the nightly
processing is insufficient, the Bank may assess applicable overdraft fees on transactions we
pay. Even if a pending transaction has been dropped from your account, we must pay it when
we receive it for payment. Sometimes, previously authorized transactions may be paid into
overdraft if other transactions have reduced your available balance before the pending
transactions are sent to us for payment. In those cases, you may be charged an overdraft fee
 transactions are sent to us for payment. In those cases, you may be charged an overdraft fee
if the transaction is paid into overdraft.

How to avoid overdrafts

Set up low balance alerts1, monitor your account activity, and transfer2 funds.
Get Overdraft Protection6 by linking your eligible Wells Fargo savings account, credit card, or
line of credit to your checking account.
Consider Clear Access BankingSM, our checkless banking account with no overdraft fees5.
Learn more at wellsfargo.com/checking/clear-access-banking/.

Additional information

If your account is overdrawn and the overdraft isn't resolved after 60 days from the date the account
first became overdrawn, we'll close and charge off your account. The closure will be reported to Early
Warning Services. We reserve the right to close and/or charge-off your account at an earlier date, as
permitted by law. In this event, you should make arrangements to redirect any automatic payments,
including benefits you receive from Federal entitlement programs. The laws of some states require us
to inform you that this communication is an attempt to collect a debt and that any information obtained
will be used for that purpose. To request written collections communications in an alternative,
reasonably accommodatable format call us at 1-800-869-3557. We accept all relay calls, including
711.

Thank you for choosing Wells Fargo.

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1. Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your
mobile carrier's message and data rates may apply.

2. Terms and conditions apply. Setup is required for transfers to other U.S. financial institutions, and
verification may take 1–3 business days. Customers should refer to their other U.S. financial
institutions for information about any potential transfer fees charged by those institutions. Mobile
carrier's message and data rates may apply. See Wells Fargo's Online Access Agreement at
wellsfargo.com/online-banking/online-access-agreement/ for more information.

3. Available balance is the most current record we have about the funds that are available for your
use or withdrawal. It includes all deposits and withdrawals that have been posted to your account,
then adjusts for any holds on recent deposits and any pending transactions that are known to the
Bank. This balance may not reflect all of your transactions, such as checks you have written or debit
card transactions that have been approved but not yet submitted for payment by the merchant.

4. Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required.
Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions
between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for
sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers a
protection program for authorized payments made with Zelle®. The Request feature within Zelle® is
only available through Wells Fargo using a smartphone. Payment requests to persons not already
enrolled with Zelle® must be sent to an email address. To send or receive money with a small
business, both parties must be enrolled with Zelle® directly through their financial institution’s online
or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to

the Wells Fargo Online Access Agreement. Your mobile carrier’s message and data rates may apply.
Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you
use Zelle®.

5. Overdraft fees do not apply to Clear Access BankingSM accounts. Optional overdraft services, such
as Overdraft Protection and Debit Card Overdraft Service, are not available for Clear Access Banking
as Overdraft Protection and Debit Card Overdraft Service, are not available for Clear Access Banking
accounts. Other fees may apply, and it is possible for the account to have a negative balance. Please
see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account
Agreement for details.

6. Subject to account eligibility requirements. Advances from linked credit accounts accrue interest
from the date of each advance. Advances from credit cards accrue interest at the cash advance rate.
Please see your credit agreement for more details.

7. Subject to the Bank's funds availability policy including any applicable holds on deposits and
deposit cutoff times which can impact your available balance. Examples of deposits that provide
same business day availability if made before the posted cutoff time are cash, electronic direct
deposits, account transfers, Zelle®, and incoming wire transfers. Business days are Monday through
Friday, excluding federal holidays.

Please do not reply to this automated email.

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