Wells Fargo Everyday Checking

March 7, 2025 Page 1 of 7

Questions?
STEPHEN E LEONARD JR Available by phone 24 hours a day, 7 days a week:
482 STATE ROUTE 57 E We accept all relay calls, including 711
WASHINGTON NJ 07882-2439 1-800-TO-WELLS (1-800-869-3557)
En español: 1-877-727-2932

Online: wellsfargo.com
Write: Wells Fargo Bank, N.A. (347)
P.O. Box 6995
Portland, OR 97228-6995

You and Wells Fargo

Thank you for being a loyal Wells Fargo customer. We value your trust in our
company and look forward to continuing to serve you with your financial needs.

Other Wells Fargo Benefits

This tax season, don't get scammed by an IRS impersonator.

Scammers are impersonating the Internal Revenue Service to steal your identity and convince you to send them money.

Know that the IRS will not:

- Initiate contact with you or request sensitive information by email, text, or social media.
- Demand immediate payment or offer to assist you with receiving a payment.
- Threaten to immediately have you arrested, deported, or revoke your driver's license for not paying.
- Ask you to pay your taxes using a gift or prepaid card, cryptocurrency, or wire transfer.

If you do get an unexpected call from the IRS, hang up right away, and do not provide any additional information, even if the caller
already has the last four digits of your Social Security number.

Remember, if you do owe taxes, the IRS will contact you by mail before attempting to call you.

Learn more at wellsfargo.com/spottaxscams

March 7, 2025 Page 2 of 7

Statement period activity summary Account number: 1030001748301 (primary

account)
Beginning balance on 2/8 $906.13
STEPHEN E LEONARD JR
Deposits/Additions 4,357.13
Withdrawals/Subtractions - 4,376.49 NEW Jersey account terms and conditions apply

Ending balance on 3/7 $886.77 For Direct Deposit use

Routing Number (RTN): 021200025

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 branch.

Transaction history
Check Deposits/ Withdrawals/ Ending daily
Date Number Description Additions Subtractions balance
2/10 Purchase authorized on 02/08 7-Eleven Hampton NJ 35.05
P000000374580110 Card 4888
2/10 Purchase authorized on 02/09 Quick Chek #139 Washington NJ 18.01
P000000676005180 Card 4888
2/10 Purchase authorized on 02/09 Washington Discoun 45.60
Washington NJ S465040637087392 Card 4888
2/10 Purchase authorized on 02/10 7-Eleven Carlstadt NJ 24.84 782.63
P000000076250863 Card 4888
2/11 Purchase authorized on 02/11 Quick Chek Food Middlesex NJ 30.71
P000000770557241 Card 4888
2/11 Online Transfer to Leonard J Everyday Checking xxxxxxxxx7335 600.00 151.92
Ref #Ib0R968K3F on 02/11/25
2/13 Purchase authorized on 02/13 7-Eleven Middlesex NJ 35.05 116.87
P000000884455522 Card 4888
2/14 Asf, DBA Insperi Payroll 250212 xxxxx8251 Leonard Jr Stephen 1,071.98
2/14 Purchase authorized on 02/14 Quick Chek Food Middlesex NJ 32.31
P000000073279511 Card 4888
2/14 ATM Withdrawal authorized on 02/14 444 Union Ave 160.00
Middlesex NJ 0009251 ATM ID 6743K Card 4888
2/14 Purchase authorized on 02/14 Cvs/Pharm 11271--160 W 12.00 984.54
Washington NJ P000000731560268 Card 4888
2/18 Purchase authorized on 02/14 Washington Discoun 58.19
Washington NJ S585045777892872 Card 4888
2/18 Online Transfer to Leonard J Everyday Checking xxxxxxxxx7335 600.00
Ref #Ib0Rbhlrf6 on 02/15/25
2/18 Purchase authorized on 02/15 7-Eleven Hampton NJ 38.56
P000000682655965 Card 4888
2/18 Purchase authorized on 02/17 7-Eleven Hampton NJ 10.21
P000000686156811 Card 4888
2/18 Purchase authorized on 02/17 Jaeger Lumber-Stir Stirling NJ 8.52 269.06
S385048489701060 Card 4888
2/19 Recurring Payment authorized on 02/17 Onstar, LLC 15.98
888-4667827 MI S585049264585927 Card 4888
2/19 Purchase authorized on 02/18 Washington Discoun 24.29
Washington NJ S585049734012162 Card 4888
2/19 Purchase authorized on 02/18 Ebay O*04-12734-81 38.53 190.26
800-4563229 CA S585049750757524 Card 4888
2/20 Purchase authorized on 02/19 Ebay O*09-12731-08 167.04 23.22
800-4563229 CA S305050431589711 Card 4888
2/21 Asf, DBA Insperi Payroll 250219 xxxxx8251 Leonard Jr Stephen 1,141.19
2/21 Purchase authorized on 02/20 Silver Star Bagels Washington NJ 25.68
S465051407702658 Card 4888
2/21 Purchase authorized on 02/20 Washington One Sto 8.52
Washington NJ S465051736255571 Card 4888
2/21 Purchase authorized on 02/21 Quick Chek Food Middlesex NJ 24.84
P000000484288552 Card 4888
2/21 Purchase authorized on 02/21 The Home Depot #0947 42.62
Bridgewater NJ P585052561415718 Card 4888
March 7, 2025 Page 3 of 7

Transaction History (continued)

Check Deposits/ Withdrawals/ Ending daily
Date Number Description Additions Subtractions balance
2/21 ATM Withdrawal authorized on 02/21 444 Union Ave 160.00 902.75
Middlesex NJ 0001076 ATM ID 6743K Card 4888
2/24 Recurring Payment authorized on 02/21 Sxm*Siriusxm.Com/A 24.58
888-635-5144 NY S305052434248272 Card 4888
2/24 Online Transfer to Leonard J Everyday Checking xxxxxxxxx7335 600.00
Ref #Ib0Rds3W7K on 02/22/25
2/24 Purchase authorized on 02/22 Lowe's #1938 Hackettstown NJ 49.52
P585053645576969 Card 4888
2/24 Purchase authorized on 02/22 Family Food Mart Hackettstown 30.27
NJ S465053651323399 Card 4888
2/24 Purchase authorized on 02/22 Wal-Mart #2503 Hackettstown 82.90
NJ P000000279119767 Card 4888
2/24 Purchase authorized on 02/23 7-Eleven Hampton NJ 37.26
P000000989059888 Card 4888
2/24 Purchase authorized on 02/24 Quick Chek #139 Washington NJ 24.84 53.38
P000000070649519 Card 4888
2/26 Purchase authorized on 02/26 7-Eleven Middlesex NJ 24.84 28.54
P000000377673391 Card 4888
2/27 Purchase authorized on 02/27 Quick Chek #139 Washington NJ 27.82 0.72
P000000381203283 Card 4888
2/28 Asf, DBA Insperi Payroll 250226 xxxxx8251 Leonard Jr Stephen 1,071.98
2/28 Purchase authorized on 02/27 Ebay O*10-12763-37 27.72
800-4563229 CA S465058507973581 Card 4888
2/28 ATM Withdrawal authorized on 02/28 2000 Route 57 160.00 884.98
Hackettstown NJ 0002096 ATM ID 6992S Card 4888
3/3 Purchase authorized on 02/28 Ebay O*01-12779-87 30.44
800-4563229 CA S305059645216613 Card 4888
3/3 Purchase authorized on 02/28 Ebay O*20-12756-82 17.01
800-4563229 CA S585059647333434 Card 4888
3/3 Purchase authorized on 02/28 Sunmart / Bp Hackettstown NJ 26.00
S305059689808178 Card 4888
3/3 Purchase authorized on 03/01 Washington Discoun 58.19
Washington NJ S385060744464180 Card 4888
3/3 Purchase authorized on 03/02 Washington One Sto 31.98
Washington NJ S385061708026158 Card 4888
3/3 Purchase authorized on 03/03 Quick Chek #139 Washington NJ 31.01 690.35
P000000272604143 Card 4888
3/4 Online Transfer to Leonard J Everyday Checking xxxxxxxxx7335 600.00 90.35
Ref #Ib0Rjlp4Dm on 03/04/25
3/5 Purchase authorized on 03/05 7-Eleven Middlesex NJ 24.84 65.51
P000000074784510 Card 4888
3/6 Purchase authorized on 03/06 Quick Chek Food Middlesex NJ 24.84 40.67
P000000476861863 Card 4888
3/7 Asf, DBA Insperi Payroll 250305 xxxxx8251 Leonard Jr Stephen 1,071.98
3/7 Purchase authorized on 03/06 Ebay O*07-12796-96 65.88
800-4563229 CA S385065482195571 Card 4888
3/7 ATM Withdrawal authorized on 03/07 2 W Washington Ave 160.00 886.77
Washington NJ 0002948 ATM ID 0216F Card 4888
Totals $4,357.13 $4,376.49

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.

IMPORTANT ACCOUNT INFORMATION

March 7, 2025 Page 4 of 7

Effective June 4, 2025, we are updating the following sections of the "Availability of Funds Policy" in our Deposit Account
Agreement:
The "Longer delays may apply" section is deleted and replaced with the following:
In some cases, we will not make the first $400 of a business day's check deposits available to you on the day we receive the
deposits. Further, in some cases, we will not make all the funds that you deposit by check available to you on the first business day
after the day of your deposit.
Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your
deposit. The first $275 of your deposit, however, may be available on the first business day after the day of your deposit.
Except as otherwise explained in this paragraph, if we are not going to make all funds from your deposit available on the business
day of deposit or the first business day after the day of deposit, we will notify you at the time you make your deposit. We will also
tell you when the funds will be available. If your deposit is not made directly to a Wells Fargo employee, or if we decide to take this
action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit.
If you need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
- We believe a check you deposit will not be paid
- You deposit checks totaling more than $6,725 on any one day
- You redeposit a check that has been returned unpaid
- You have overdrawn your account repeatedly in the last six months
- There is an emergency, such as failure of computer or communications equipment
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be
available. The funds will generally be available no later than the seventh business day after the day of your deposit.
The "Special rules for new accounts" section is deleted and replaced with the following:
If you are a new customer, the following special rules apply during the first 30 days your account is open. Incoming wire transfers,
electronic direct deposits, and cash deposited at a teller window and at a Wells Fargo ATM will be available on the day we receive
the deposit. Funds from your check deposits will be available on the business day after the day we receive the deposits; no funds
from a business day's check deposits are available on the day we receive the deposits.
If we delay the availability of your deposit the following special rules may apply:
- The first $6,725 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state, and local government checks,
and U.S. Postal Service money orders made payable to you will be available on the first business day after the day of your deposit,
if your deposit meets certain conditions. For example, the checks must be payable to you. If your deposit of these checks (other
than U.S. Treasury checks) is not made in person to one of our employees, the first $6,725 may not be available until the second
business day after the day of your deposit.
- The excess over $6,725 and funds from all other check deposits will be available no later than the seventh business day after the
day of your deposit. The first $275 of a day's total deposit of funds from all other check deposits, however, may be available on the
first business day after the day of your deposit.
We will notify you if we delay your ability to withdraw funds and we will tell you when the funds will be available.

Effective May 15, 2025, the section of the Deposit Account Agreement titled "Availability of Funds Policy," subsection "Your ability to
withdraw funds," is deleted and replaced with the following:

Our policy is to make funds from your check deposits to your checking or savings account (in this policy, each account) available to
you on the first business day after the day we receive your deposits. Incoming wire transfers, electronic direct deposits, cash
deposited at a teller window and at a Wells Fargo ATM, and the first $400 of a day's check deposits at a teller window, at a Wells
Fargo ATM, and with the Wells Fargo Mobile Banking app will be available on the day we receive the deposits. Certain electronic
credit transfers, such as those through card networks or funds transfer systems, will generally be available on the day we receive
the transfer. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks and other items
presented for payment and applicable fees that you have incurred.

Effective May 15, 2025, the section of the Deposit Account Agreement titled "Fund Transfer Disclosures-General," subsection "ACH
transactions," is deleted and replaced with the following:

These additional terms apply to payments to or from your account that you transmit through an ACH:
- Your rights as to payments to or from your account will be based on the laws governing your account.
- When we credit your account for an ACH payment, the payment is provisional until we receive final settlement through a Federal
Reserve Bank or otherwise receive payment.
March 7, 2025 Page 5 of 7

- If we don't receive final settlement or payment, we're entitled to a refund from you for the amount credited to your account and
the sender of the payment will not be considered to have made the payment to you.
- For ACH debit entries that debit your non-Wells Fargo account and credit your Wells Fargo account, Wells Fargo Bank generally
holds those funds for 3-4 business days to make sure that the funds will not be returned unpaid before we credit your Wells Fargo
account. Longer holds may apply, or we may return the funds to the sending bank and not make the funds available to your Wells
Fargo Account, if we - in our sole discretion - believe the transfer is irregular or suspicious.
- Any Originating Depository Financial Institution (ODFI) may initiate, pursuant to ACH Operating Rules, ACH debit entries to your
account for presentment or re-presentment of items you write or authorize.

NEW YORK CITY CUSTOMERS ONLY -- Pursuant to New York City regulations, we request that you contact us at 1-800-TO WELLS
(1-800-869-3557) to share your language preference.

Other Wells Fargo Benefits

Help take control of your finances with a Wells Fargo personal loan.
Whether it's managing debt, making a large purchase, improving your home, or paying for unexpected expenses, a personal loan
may be able to help. See personalized rates and payments in minutes with no impact to your credit score.
Get started at wellsfargo.com/personalloan.
March 7, 2025 Page 6 of 7

Important Information You Should Know

To dispute or report inaccuracies in information we have furnished to a Consumer Reporting Agency about your accounts
Wells Fargo Bank, N.A. may furnish information about deposit accounts to Early Warning Services. You have the right to dispute the accuracy of
information that we have furnished to a consumer reporting agency by writing to us at Overdraft Collection and Recovery, P.O. Box 5058, Portland, OR
97208-5058. Include with the dispute the following information as available: Full name (First, Middle, Last), Complete address, The account number or
other information to identify the account being disputed, Last four digits of your social security number, Date of Birth. Please describe the specific
information that is inaccurate or in dispute and the 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.
If your account has a negative balance:
Please note that an account overdraft that is not resolved 60 days from the date the account first became overdrawn will result in closure and charge off of
your account. In this event, it is important that you make arrangements to redirect recurring deposits and payments to another 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. 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.
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.
In case of errors or questions about other transactions (that are not electronic transfers):
Promptly review your account statement within 30 days after we made it available to you, and notify us of any errors.
Early Pay Day information
With Early Pay Day, we may make funds from certain eligible direct deposits available for your use up to two days before we receive the funds from your
payor. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds
may vary between direct deposits from the same payor. When funds are made available early, this will be reflected in your account’s available balance.
Direct deposits made available early with Early Pay Day will not increase your account’s ending daily balance, and will not count towards applicable
options to avoid your account’s monthly service fee, until the deposit posts to your account and is no longer pending (e.g., the pay date scheduled by your
payor). Determinations about whether we will authorize and pay transactions and assess overdraft fees are based on an account’s available balance. For
example, using funds added to your available balance by Early Pay Day may lead to a negative ending daily balance showing on your account and
statement while your available balance remains positive and no overdraft fees or returned items result. For interest-bearing accounts, interest on your
incoming direct deposit will begin accruing on the business day we receive credit for the deposit from your payor’s bank. For additional information about
Early Pay Day, please refer to your Deposit Account Agreement.
March 7, 2025 Page 7 of 7

Account Balance Calculation Worksheet Number Items outstanding Amount

1. Use the following worksheet to calculate your overall account
balance.
2. Go through your register and mark each check, withdrawal, ATM
transaction, payment, deposit or other credit listed on your
statement. 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.
3. Use the chart to the right to list any deposits, transfers to your
account, outstanding checks, ATM withdrawals, ATM payments
or any other withdrawals (including any from previous months)
which are listed in your register but not shown on your
statement.

ENTER
A. The ending balance
shown on your statement.. . . . . . . . . . . . . . . . $

ADD
B. Any deposits listed in your $
register or transfers into $
your account which are not $
shown on your statement. +$
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . TOTAL $

CALCULATE THE SUBTOTAL

(Add Parts A and B)
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . TOTAL $

SUBTRACT
C. The total outstanding checks and
withdrawals from the chart above. . . . . . . . . - $

CALCULATE THE ENDING BALANCE

(Part A + Part B - Part C)
This amount should be the same
as the current balance shown in Total $
your check register. . . . . . . . . . . . . . . . . . . . . . $

To download and print additional Account Balance Calculation Worksheets (PDF), enter
www.wellsfargo.com/balancemyaccount in your browser on either your computer or mobile device.

©2 021 We lls Fargo Bank, N.A. All rights res erved . Member FDIC . NMLSR ID 39980 1