Wells Fargo Everyday Checking

Account number: 1403481839 June 1, 2017 - June 30, 2017 Page 1 of 5

Questions?
KAROLYN A FLORES SOTO Available by phone 24 hours a day, 7 days a week:
Telecommunications Relay Services calls accepted
64 LUPTON LN APT D
HALEDON NJ 07508-1765 1-800-TO-WELLS (1-800-869-3557)

TTY: 1-800-877-4833
En espaol: 1-877-727-2932

1-800-288-2288 (6 am to 7 pm PT, M-F)

Online: wellsfargo.com

Write: Wells Fargo Bank, N.A. (347)

P.O. Box 6995
Portland, OR 97228-6995

You and Wells Fargo Account options

Thank you for being a loyal Wells Fargo customer. We value your trust in our A check mark in the box indicates you have these
company and look forward to continuing to serve you with your financial needs. convenient services with your account(s). Go to
wellsfargo.com or call the number above if you have
questions or if you would like to add new services.

Online Banking Direct Deposit

Online Bill Pay Auto Transfer/Payment
Online Statements Overdraft Protection
Mobile Banking Debit Card
My Spending Report Overdraft Service

Activity summary Account number: 1403481839

Beginning balance on 6/1 $184.43 KAROLYN A FLORES SOTO

Deposits/Additions 1,405.18 New Jersey account terms and conditions apply
Withdrawals/Subtractions - 1,570.00 For Direct Deposit use
Routing Number (RTN): 021200025
Ending balance on 6/30 $19.61

Overdraft Protection
This account is not currently covered by Overdraft Protection. If you would like more information regarding Overdraft Protection and eligibility requirements
please call the number listed on your statement or visit your Wells Fargo store.

(347)
Sheet Seq = 0123286
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Account number: 1403481839 June 1, 2017 - June 30, 2017 Page 2 of 5

Transaction history

Check Deposits/ Withdrawals/ Ending daily

Date Number Description Additions Subtractions balance
6/5 ATM Check Deposit on 06/03 150 Market Street Paterson NJ 454.39
0002443 ATM ID 0778H Card 9031
6/5 ATM Withdrawal authorized on 06/03 150 Market Street Paterson 130.00
NJ 0002444 ATM ID 0778H Card 9031
6/5 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 40.00
Ref #Ib03H5Lh9F on 06/05/17
6/5 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 20.00 448.82
Ref #Ib03H5Qyyw on 06/05/17
6/8 Online Transfer Ref #Ibencpsbyl to College Card 300.00
Xxxxxxxxxxxx8686 on 06/08/17
6/8 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 20.00
Ref #Ib03Hd25M6 on 06/08/17
6/8 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 10.00 118.82
Ref #Ib03Hdcwk5 on 06/08/17
6/12 ATM Check Deposit on 06/10 150 Market Street Paterson NJ 461.99
0005105 ATM ID 0778H Card 9031
6/12 ATM Withdrawal authorized on 06/10 150 Market Street Paterson 120.00
NJ 0005106 ATM ID 0778H Card 9031
6/12 Online Transfer Ref #Ibev5T22Sk to College Card 300.00
Xxxxxxxxxxxx8686 on 06/10/17
6/12 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 25.00
Ref #Ib03Hk9F8Y on 06/10/17
6/12 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 20.00 115.81
Ref #Ib03Hmrrg9 on 06/12/17
6/14 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 20.00
Ref #Ib03Hr2Rww on 06/14/17
6/14 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 30.00 65.81
Ref #Ib03Hsfc23 on 06/14/17
6/19 ATM Check Deposit on 06/17 150 Market Street Paterson NJ 468.80
0007713 ATM ID 0778H Card 9031
6/19 ATM Withdrawal authorized on 06/17 150 Market Street Paterson 160.00
NJ 0007714 ATM ID 0778H Card 9031
6/19 ATM Transfer authorized on 06/17 to Karolyn A Flores Soto 80.00
Checking 150 Market Street Paterson NJ 0007715 ATM ID 0778H
Card 9031
6/19 Online Transfer Ref #Ibe2Yfpkjg to College Card 220.00 74.61
Xxxxxxxxxxxx8686 on 06/17/17
6/20 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 50.00 24.61
Ref #Ib03Jc3Yty on 06/20/17
6/21 Online Transfer to Flores Soto K Everyday Checking xxxxxx6910 20.00 4.61
Ref #Ib03Jc94Yl on 06/20/17
6/26 Online Transfer From Flores Soto K Everyday Checking 20.00 24.61
xxxxxx6910 Ref #Ib03Jnq493 on 06/25/17
6/30 Monthly Service Fee 5.00 19.61
Ending balance on 6/30 19.61
Totals $1,405.18 $1,570.00

The Ending Daily Balance does not reflect any pending withdrawals or holds on deposited funds that may have been outstanding on your account when your
transactions posted. If you had insufficient available funds when a transaction posted, fees may have been assessed.

Monthly service fee summary

For a complete list of fees and detailed account information, please see the Wells Fargo Fee and Information Schedule and Account Agreement applicable to
your account or talk to a banker. Go to wellsfargo.com/feefaq to find answers to common questions about the monthly service fee on your account.

Fee period 06/01/2017 - 06/30/2017 Standard monthly service fee $10.00 You paid $5.00
Account number: 1403481839 June 1, 2017 - June 30, 2017 Page 3 of 5

Monthly service fee summary (continued)

How to avoid the monthly service fee Minimum required This fee period

3
Have any ONE of the following account requirements

3
Minimum daily balance $1,500.00 $4.61

3
Total amount of qualifying direct deposits $500.00 $0.00
Total number of posted Wells Fargo Debit Card purchases and/or payments 10 0
The fee is waived when the account is linked to a Wells Fargo Campus ATM or
Campus Debit Card

Monthly service fee discount(s) (applied when box is checked)

Age of primary account owner is 17 - 24 ($5.00 discount)
RC/RC
3

IMPORTANT ACCOUNT INFORMATION

Revised Agreement for Online Access

We're updating our Online Access Agreement effective September 15, 2017.
To see what is changing, please visit wellsfargo.com/onlineupdates.

Periodically, it is necessary to update selected sections of the disclosures you received when you opened your account. These updates
provide you with the most up to date account information and are very important; so please review this information carefully and feel
free to contact us with any questions or concerns.

We are updating the Account Agreement ("Agreement") dated April 24, 2017. Effective August 15, 2017, in the section titled "Rights
and Responsibilities", the subsections "When can you close your account?" and "If you request to close your account, we may allow you
to keep funds in your account to cover outstanding Items to be paid" are deleted and replaced with the following:

When can you close your account?

You can request to close your account at any time if the account is in good standing (e.g., does not have a negative balance or
restrictions such as legal order holds or court blocks on the account). At the time of your request, we will assist you in withdrawing or
transferring any remaining funds, bringing your account balance to zero.
- All outstanding Items need to be processed and posted to your account before your request to close. Once the account is closed
Items will be returned unpaid.
- Any recurring payments or withdrawals from your account need to be cancelled before your request to close (examples include bill
payments, debit card payments, and direct deposits) otherwise, they may be returned unpaid.

We will not be liable for any loss or damage that may result from not honoring Items or recurring payments or withdrawals that are
presented or received after your account is closed.

At the time of your request to close:

- For interest-earning accounts, it stops earning interest from the date you request to close your account.
- Overdraft Protection and/or Debit Card Overdraft Service will be removed on the date you request to close your account.
- The Agreement continues to apply.
- If you have requested to close your account and a positive balance remains, we may send you a check for the remaining balance.
Even after your account is closed, you will remain responsible for any negative balance.

In California branches you can request to close your account at any time if the account does not have any restrictions such as legal
order holds or court blocks. Even after your account is closed, you will remain responsible for any negative balance.

Sheet Seq = 0123287

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Account number: 1403481839 June 1, 2017 - June 30, 2017 Page 4 of 5

All other aspects of the Agreement remain the same. If there is a conflict between the updated language above and the Agreement,
the updated language will control.

Thank you for being a Wells Fargo customer. As a valued Wells Fargo customer, we hope you find this information helpful. Again, if you
have questions or concerns about these changes, please contact your local banker or call the number listed on your statement.

Other Wells Fargo Benefits

ExpressSend service

Send money to family and friends with the Wells Fargo ExpressSend service, an economical, convenient and dependable way to send

money home. Feel confident sending money through a bank you can depend on. Enjoy the convenience of more than 43,600 payout
locations and 140,000 ATMs throughout our remittance network.

Plus for a limited time, we will rebate your first transfer fee when you sign up and send money through June 30, 2017.*

To learn more visit your nearest branch, call 1-800-556-0605 or log on to wellsfargo.com/expresssendpromo.

*The ExpressSend service requires an eligible Wells Fargo consumer deposit account as the funding source. To qualify for the rebate
offer, you must sign up and send a transfer between 4/1/2017 and 6/30/2017. Offer limited to customers that do not have an open
ExpressSend agreement at the start of the offer period 4/1/2017, that sign up and send a transfer by 6/30/2017. The transfer fee is
charged at the time of the remittance and will be automatically refunded within 6 - 8 weeks. Refund will be credited to the
ExpressSend agreement funding account. Only one rebate per customer. Wells Fargo team members are not eligible for this offer.

2017 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. In addition to the transfer fee, Wells Fargo makes money if
converting U.S. dollars to foreign currency.
Account number: 1403481839 June 1, 2017 - June 30, 2017 Page 5 of 5

Worksheet to balance your account
Follow the steps below to reconcile your statement balance with your
account register balance. Be sure that your register shows any interest
paid into your account and any service charges, automatic payments or
ATM transactions withdrawn from your account during this statement
period.
A Enter the ending balance on this statement. $ describe the specific information that is inaccurate or in dispute and the
B List outstanding deposits and other
credits to your account that do not appear on
this statement. Enter the total in the column
to the right.
Description Amount
Total $ + $
C Add A and B to calculate the subtotal. = $
D List outstanding checks, withdrawals, and
other debits to your account that do not appear
on this statement. Enter the total in the column
to the right.
General statement policies for Wells Fargo Bank
To dispute or report inaccuracies in information we have furnished to a
Consumer Reporting Agency about your accounts. You have the right to
dispute the accuracy of information that Wells Fargo Bank, N.A. has
furnished to a consumer reporting agency by writing to us at Overdraft
Collection and Recovery, P.O. Box 5058, Portland, OR 97208-5058. Please
basis for the dispute along with supporting documentation. If you believe
the information furnished is the result of identity theft, please provide us
with an identity theft report.
In case of errors or questions about your electronic transfers,
telephone us at the number printed on the front of this statement or write
us at Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228-6995 as soon as
you can, if you think your statement or receipt is wrong or if you need more
information about a transfer on the statement or receipt. We must hear
from you no later than 60 days after we sent you the FIRST statement on
which the error or problem appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as
clearly as you can why you believe it is an error or why you need more
information.
3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If
we take more than 10 business days to do this, we will credit your account
for the amount you think is in error, so that you will have the use of the
money during the time it takes us to complete our investigation.

Number/Description Amount

Total $ - $

E Subtract D from C to calculate the

adjusted ending balance. This amount should be
the same as the current balance shown in your
register. = $ . NMLSR ID 399801
2010 Wells Fargo Bank, N.A. All rights reserved

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Make "the perfect new home" happen
New neighborhood. Bigger house. Closer commute. Whatever your reason for buying a home, we're here to help make your "better"
happen. You'll have the programs, tools, and personal support you'll need at every stage of the home loan process:
- Learn more with our Home Loan Shopping Tools at wellsfargo.com/mortgagetools. Explore calculators, loan programs, payments, and
closing costs that meet your specific needs.
- Get a personalized rate quote and guidance from an experienced home mortgage consultant, who'll help you with your needs by
carefully explaining your home loan options.
- Put a new home within reach with down payment options as low as 3% on a fixed-rate loan. Talk to a home mortgage consultant about
loan amount, loan type, and property type to ensure eligibility.

- Shop with confidence with our PriorityBuyer preapproval letter. Get an estimate of how much you may qualify for a home loan, so you
can find a home that fits your budget.*
- Conveniently check your loan's progress online with yourLoanTracker. Plus, see upcoming tasks, submit documents electronically, and
review disclosures online. A home mortgage consultant will help determine if yourLoanTracker is available for your loan.

When you're ready to make your next move, we're ready to show you a "better" way.
Call: 1-866-413-3328 and mention code DMA7AMB
Click: wellsfargo.com/yournewhome or stop by your local bank branch

When it comes to home financing for you, or your friends and family, we're building "better" every day. Si necesita asistencia en espaol,
llame al 1-866-413-3328.

*A PriorityBuyer preapproval is based on our preliminary review of information provided and limited credit information only and is not a
commitment to lend. We will be able to offer a loan commitment upon verification of application information, satisfying all underwriting
requirements and conditions, and property acceptability and eligibility, including appraisal and title report. Preapprovals are subject to
change or cancellation if a requested loan no longer meets applicable regulatory requirements. Preapprovals are not available on all
products. See a home mortgage consultant for details.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
2017 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801.