Wells Fargo U.S. Consumer Privacy Notice

Legal Rights & Agreement Rules · Context

Wells Fargo issues U.S. Consumer Privacy Notice under revision date 04/25

The document identifies itself as the Wells Fargo U.S. Consumer Privacy Notice with revision date Rev. 04/25. It serves as Wells Fargo's consumer privacy disclosure.

Supporting quotations

Wells Fargo U.S. Consumer Privacy Notice

Rev. 04/25

Qualifications & exceptions

• The notice bears the revision label 'Rev. 04/25' without stating a separate effective date or expiration date.

Not stated here

• The header does not list which specific consumer accounts or products are covered, which are detailed in later sections.

Legal Rights & Agreement Rules · Context

Federal law requires disclosure of personal information practices and provides limited rights to restrict sharing

Wells Fargo explains that financial companies determine how personal information is shared, and federal law mandates informing consumers about collection, sharing, and protection practices while granting rights to limit certain types of sharing.

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Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

Qualifications & exceptions

• Federal law permits consumers to limit some but not all information sharing.

Not stated here

• The notice does not state state-specific limits in this opening summary; state-level variations appear later.

Legal Rights & Agreement Rules · Procedure

Privacy inquiries may be directed to Wells Fargo customer service by phone or web

Customers can direct questions about privacy practices to Wells Fargo by calling 1-800-TO-WELLS (1-800-869-3557) or visiting wellsfargo.com/privacy-security.

Supporting quotations

Call 1-800-TO-WELLS (1-800-869-3557) or go to wellsfargo.com/privacy-security

Legal Rights & Agreement Rules · Context

Notice is provided by Wells Fargo U.S. branded entities and listed businesses, excluding those with separate notices

This privacy notice covers Wells Fargo U.S. companies using the 'Wells Fargo' brand name and other entities listed in the legal entities section, except for any entities or businesses that provide their own separate privacy notices.

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Wells Fargo U.S. companies that use Wells Fargo in their names and other companies listed in the Wells Fargo U.S. legal entities and businesses section below, except for entities and businesses that provide their own notice.

Qualifications & exceptions

• Excludes entities and businesses that publish or provide their own separate privacy notices.

Not stated here

• Specific excluded entities are detailed in the subsequent legal entities section.

Legal Rights & Agreement Rules · User right or choice

Federal law restricts opt-out rights to affiliate creditworthiness, affiliate marketing, and nonaffiliate marketing

Under federal law, consumers can limit only affiliate creditworthiness sharing, affiliate marketing use, and nonaffiliate marketing sharing. State laws and company policies may provide additional rights to limit sharing beyond federal minimums.

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Federal law gives you the right to limit only: • Sharing foraffiliates’everyday business purposes —information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market toyou State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Qualifications & exceptions

• Federal opt-out rights are strictly limited to the three enumerated categories.
• State laws or specific companies may confer additional privacy rights.

Not stated here

• Specific state-law rights are set forth in the subsequent state disclosures section.

Legal Rights & Agreement Rules · Context

Affiliates are defined as companies related by common ownership or control, including named Wells Fargo entities

Wells Fargo defines affiliates as companies related by common ownership or control, whether financial or non-financial, specifically including entities such as Wells Fargo Bank, N.A., and Wells Fargo Clearing Services, LLC.

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Companies related by common ownership or control. They can be financial and non-financial companies. • Our affiliates include financial companies with Wells Fargo in their name such as Wells Fargo Bank, N.A., and Wells Fargo Clearing Services, LLC.

Cross-references

• defines (model-proposed): Consumers may opt out of Wells Fargo sharing creditworthiness information with affiliates for everyday business — The definition of affiliates establishes the corporate scope covered by the creditworthiness sharing opt-out.

Legal Rights & Agreement Rules · Procedure

Do Not Call requests take effect within 10 business days and last 5 years under TCPA policy

This notice serves as Wells Fargo's Do Not Call Policy under the Telephone Consumer Protection Act. Do Not Call requests are honored within 10 business days and remain in effect for at least 5 years. Marketing calls, texts, or artificial/prerecorded messages may still be placed to numbers on the list if appropriate consent was provided. Non-account holders can register by calling 1-800-869-3557.

Supporting quotations

This Privacy Notice constitutes Wells Fargo’s Do Not Call Policy under the Telephone Consumer Protection Act for all consumers. Wells Fargo maintains an internal Do Not Call preference list. Do Not Call requests will be honored within 10 business days and will be effective for at least five years from the date of request. Marketing calls/texts or artificial or prerecorded voice message calls may be made to residential or cellular phone numbers that appear on the Wells Fargo Do Not Call list with the appropriate consent. If you do not have an account with Wells Fargo & Company, call 1-800-869-3557 (1-800-TO-WELLS) to be placed on the Wells Fargo & Company’s Do Not Call list.

Qualifications & exceptions

• Requests are honored within 10 business days.
• Requests are effective for at least five years from the date of request.
• Marketing calls or texts may still be made to registered numbers if appropriate consent was provided.

Legal Rights & Agreement Rules · Procedure

Nevada residents receive state-specific telemarketing disclosures and Attorney General contact details

Pursuant to Nevada state law, residents may be placed on Wells Fargo's internal Do Not Call list and obtain telemarketing information via phone, email, or mail. The notice provides contact details for the Bureau of Consumer Protection in the Office of the Nevada Attorney General.

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Nevada residents: We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing section. For more information regarding our telemarketing practices, contact us at1-800-869-3557; PrivacyCenter@wellsfargo.com, or Wells Fargo, P.O. Box 5110, Sioux Falls, SD 57117-5110. If you would like more information regarding this Nevada law, contact: Bureau of Consumer Protection, Office of the Nevada Attorney General, 100 N. Carson Street, Carson City, NV 89701; 702-486-3132; AgInfo@ag.nv.gov.

Qualifications & exceptions

• Applies specifically to Nevada residents under Nevada state law.

Legal Rights & Agreement Rules · Context

Covered entities include Wells Fargo U.S. banks and branded companies, excluding businesses with separate notices

The notice covers Wells Fargo U.S. banks including Wells Fargo Bank, N.A., and corporate entities with 'Wells Fargo' in their names, explicitly excepting banks and businesses that maintain their own separate privacy notices.

Supporting quotations

Wells Fargo U.S. banks including Wells Fargo Bank, N.A., and companies with “Wells Fargo” in their names., except banks and businesses having their own privacy notices, including those listed below.

Qualifications & exceptions

• Excludes banks and businesses that issue their own privacy notices.

Cross-references

• has exception (model-proposed): Retail Services, Clearing Services, Advisors Network, insurance entities, and separate notice accounts are excluded — Wells Fargo Retail Services, Clearing Services, Advisors, and insurance entities are excluded from covered entity scope and maintain separate privacy notices.

Legal Rights & Agreement Rules · Restriction or exception

Retail Services, Clearing Services, Advisors Network, insurance entities, and separate notice accounts are excluded

Wells Fargo specifically excludes from this notice several business units and entities that have their own separate privacy notices: Wells Fargo Retail Services (division of Wells Fargo Bank, N.A.), Wells Fargo Clearing Services, LLC (including d/b/a Wells Fargo Advisors), Wells Fargo Advisors Financial Network, LLC, insurance companies/agencies with their own notices, and any businesses providing separate notices governing specific accounts or relationships.

Supporting quotations

Wells Fargo Retail Services, a division of Wells Fargo Bank, N.A.

Wells Fargo Clearing Services, LLC; or Wells Fargo Clearing Services, LLC, doing business as Wells Fargo Advisors

Wells Fargo Advisors Financial Network, LLC

Any insurance company, insurance agency or other company that has its own privacy notice or policy.

Businesses that have provided a separate privacy notice governing specified accounts or relationships

Qualifications & exceptions

• These entities and business divisions maintain independent privacy notices governing their accounts and relationships.

Cross-references

• exception to (model-proposed): Covered entities include Wells Fargo U.S. banks and branded companies, excluding businesses with separate notices — Wells Fargo Retail Services, Clearing Services, Advisors, and insurance entities are excluded from covered entity scope and maintain separate privacy notices.