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Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle ®.

Your mobile carrier's message and data rates may apply. For more information, view the Zelle ® Transfer Service Addendum to the Wells Fargo Online Access Agreement. 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. Payment requests to persons not already enrolled with Zelle ® must be sent to an email address. The Request feature within Zelle ® is only available through Wells Fargo using a smartphone. Neither Wells Fargo nor Zelle ® offers purchase protection for payments made with Zelle ® - for example, if you do not receive the item you paid for or the item is not described or as you expected. For your protection, Zelle ® should only be used for sending money to friends, family, or others you trust. Transactions between enrolled users typically occur in minutes. For Microsoft 365 Germany go to /account.

) For Microsoft 365 operated by 21 Vianet go to /account. From the home page select Install apps (If you set a different start page, go to aka.ms/office-install. checking or savings account required to use Zelle ®. Select Install (or depending on your version, Install apps> ).

Enrollment with Zelle ® through Wells Fargo Online ® or Wells Fargo Business Online ® is required.

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