Wells Fargo Home Mortgage Terms and Conditions

1. The American Airlines AAdvantage® mileage program is effective only on loans originated and closed through 1-866-324-8127. To be eligible for AAdvantage miles, you must state your intention of applying through the American Airlines AAdvantage mileage promotion and request to earn AAdvantage miles at time of application. Wells Fargo Home Mortgage requires the AAdvantage number in its system at application. This program is not retroactive. If the AAdvantage number is not provided at application, AAdvantage miles will not be awarded. For new home equity transactions, AAdvantage miles are based only on the initial amount advanced on the closing date (funding may occur upon expiration of any applicable rescission period), not on the total line of credit amount (unless fully advanced on the closing date) or on future advances. AAdvantage miles cannot be combined with any existing Wells Fargo Home Mortgage promotions, including the Wells Fargo Three-Step Refinance SYSTEM®. Not available on assumption or modification loans, loans or home equity loans or lines of credit originated through any Wells Fargo retail branches, brokers, joint ventures or other third parties. AAdvantage miles will post to your AAdvantage account within 6 weeks after your funding date. 2. 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. © 2013 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801 AS#980367 03/13-06/13 Wells Fargo Home Mortgage 1 Home Campus Des Moines, IA 50306-0335

WFM_V01_0413