PDF Wells Fargo At Work Helping you meet your financial goals

Wells Fargo At WorkSM

Helping you meet your financial goals

Congratulations Georgia Institute of Technology Faculty and Staff! Company Code: 009815

You are eligible for the Wells Fargo At Work program -- a valuable package of accounts, services, and special benefits that may help you reach your financial goals.

Manage and grow your money with the Wells Fargo At WorkSM Package1

? Interest-earning checking account2 ? Many ways to avoid, or receive a discount on, the monthly

service fees -- including direct deposit of your salary3 ? Benefits on mortgages, home equity and personal loans, and

lines of credit4,5

Maximize your money with helpful account tools and resources

? Access online tools to track spending, create a budget, establish savings goals, and monitor your progress

? Attend complimentary financial seminars on various topics including savings, credit, identity theft, and more (where available)

? Set up email or text account alerts to get spending limit and payment reminders6

Reach your savings goals quicker with a Way2Save? Savings account

Start saving automatically with a Way2Save Savings account. The monthly service fee on your Way2Save Savings account is waived with a qualifying automatic transfer of $25 or more, or with a minimum daily balance of $300.

1 Wells Fargo At Work Package consists of a Wells Fargo At Work Checking account plus three additional qualifying linked accounts or services. 2 Interest earned on the entire daily collected balance on days that the balance is $500 or more in the Wells Fargo At Work Checking account. 3 Account must meet both account-level and package-level requirements to have monthly service fee waived or to receive the direct deposit discount. A qualifying direct deposit is a direct deposit of your salary, pension, Social Security or other regular monthly income totaling $1,000 or more each statement cycle electronically deposited to your account. Minimum $100 to open and fund a Wells Fargo checking account. Transfers from one account to another, or deposits made at a banking location or ATM, do not qualify as a direct deposit. 4 Home loans are subject to credit qualification and are originated by Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Products are not available in all states and are subject to change without notice. You can not combine these promotions or discounts with other Wells Fargo promotions or discounts. 5 All loans and lines of credit are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice. Home equity loans and lines of credit are available through Wells Fargo Home Equity Group, a division of Wells Fargo Bank, N.A. 6 Your mobile carrier's message and data rates may apply.

Certain products not available in all states. Please see the applicable account agreements for the current terms and conditions. ? 2012 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. NMLSR ID# 399801. ECG-709025 (3/12) Materials expire 09/09/2012.

Enrolling is easy

1.Open a Wells Fargo At Work Package at any Wells Fargo banking location

2. S ign up for direct deposit or set up another qualifying account or service to help waive your monthly service fee

3. T ake advantage of all your Wells Fargo At Work benefits

Tech Parkway Store 645 State Street NW Atlanta, GA 30303 (404) 853-1960

To find out more, call 1-800-TO-WELLS (1-800-869-3557) or stop by any Wells Fargo banking location.

Enjoy more banking benefits with Wells Fargo At WorkSM

Wells Fargo At Work Checking Package1 features:

n An interest-earning checking account2

n Many ways to waive, or receive a discount, on the monthly service fee--including direct deposit of your salary3

n No fee Wells Fargo Debit or ATM Card to access your Wells Fargo accounts or to make purchases

n Bonus interest rate offered on a linked Money Market Savings account4

n Waived monthly service fee on a linked Money Market Savings account with an automatic transfer of $75 one-time per month

n $10 discount on Wells Fargo personal check orders

n No fee personal money orders and cashier's checks

n Free access to Wells Fargo Online? Bill Pay to pay your bills online in minutes

Financial tools and resources online for easier money management:

n Mobile banking, text banking and e-mail account alerts

n Hands on Banking? ()--an interactive

when you're on the go5

website with financial education, account management

n My Money Map gives you a clear snapshot of spending and savings; track your progress, set up budgets and set longand short-term savings goals

DO NOT Enjoy interest rate discounts with your

Wells Fargo At Work checking package:

REPRODUCE n 0.25% discount on home equity lines of credit, personal loans and lines of credit (with completed package and automatic payments)6

n Rate discounts of up to 0.75% available on a variety of

tools and expert guidance to help you manage your money

Extra benefits for being part of the Wells Fargo At Work program:

n Transfer fee discounts on the Wells Fargo ExpressSend? service8

n A thank-you gift after closing a Wells Fargo Home Mortgage qualified home purchase or refinance loan9

private student loan options7

n Complimentary financial seminars (where available) on

topics including saving, credit, identity theft and more

Many ways to access your accounts, including:

More than 12,000 ATMs coast-to-coast Over 6,200 banking locations nationwide Wells Fargo Online? Banking

Wells Fargo Phone BankSM Wells Fargo Mobile? Banking

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. ? 2012 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

1. A Wells Fargo At Work Package consists of a Wells Fargo At Work Checking account plus three additional qualifying linked accounts or services. 2. Interest earned on the entire daily collected balance on the days that the balance is $500 or more in the Wells Fargo At Work Checking account. 3. Please refer to the Consumer Accounts Fee and information Schedule for more details on how your account may qualify for a waiver or a discount of the monthly

service fee. Minimum $100 to open and fund a Wells Fargo checking account. 4. Bonus interest on the Wells Fargo Money Market Savings account will discontinue when the account is delinked from the Wells Fargo At Work Checking account. 5 Your mobile carrier's message and data rates may apply. 6. Subject to credit qualification. Interest rate discounts require you to maintain a Wells Fargo At Work Checking account and continued automatic payment from

a Wells Fargo checking or savings account. If the Wells Fargo At Work Checking account is closed or if the automatic payment is not selected or is cancelled at any time after the account is opened, the rate and corresponding monthly payment may increase. Home equity loans and lines of credit are available through Wells Fargo Home Equity Group, a division of Wells Fargo Bank, N.A. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. 7. You may reduce the interest rate by a total of up to 1.00% depending on a combination of the following discounts, as applicable: you or a cosigner have a qualifying Wells Fargo relationship at the time of application--0.25%?0.50%, depending on the relationship; you qualify for the Wells Fargo Student Graduation BenefitSM program--0.25% discount; or you authorize automatic payments from any personal checking or savings account--0.25% discount (this rate reduction will be effective the day after the first automatic withdrawal is made). Different discounts may be combined for a total not to exceed 1%. You will automatically receive the highest applicable relationship discount (federal student loans originated through Wachovia Bank, N.A. do not qualify for the discount for having a prior student loan relationship). For variable interest rate loans, if the qualifying relationship resulting in the discounts ends, the interest rate may be reset to reflect the removal of the discount. For details, including eligibility requirements, visit us at student or call 1-800-378-5526. Wells Fargo reserves the right to modify or discontinue interest rate discount program(s) for future loans or to discontinue loan programs at any time without notice. Deposit products offered through Wells Fargo Bank, N.A., Member FDIC. 8. Talk to a banker today for more details on the discounts and qualification requirements. 9. To be eligible for this promotion, you must close on a new purchase or refinance loan secured by a first mortgage or deed of trust through a Wells Fargo Home

DO NOT Mortgage eligible program, subject to availability. This promotion cannot be combined with the benefits of The Relocation Mortgage Program?, Wells Fargo

Three-Step Refinance SYSTEM? or any other program or promotion. Not available on assumption or modification loans, loans originated through brokers, joint ventures or other third parties, home equity loans or home equity lines of credit. This promotion is subject to change, or may be withdrawn at any time without notice and is administered by a third-party vendor, not affiliated with Wells Fargo Home Mortgage. A gift list can be obtained by calling 1-800-875-0190. Once redeemed, the gift promotion may be reported to the IRS on a Form 1099-MISC. Please consult your tax advisor regarding your individual tax implications. Contact

REPRODUCE your home mortgage consultant for additional details, including current availability, terms and conditions.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. ? 2012 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. CNS9986 (8/12) NMLSR ID 399801 Materials expire 12/31/2012

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