Wells Fargo U.S. Consumer Privacy Notice

Sharing & Disclosure · Company practice

Wells Fargo shares customer information for everyday business operations under specified reasons

Financial companies require sharing customer personal information to operate day-to-day business, and Wells Fargo enumerates its specific sharing purposes and corresponding consumer opt-out choices.

Supporting quotations

All financial companies need to sharecustomers’personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Wells Fargo chooses to share; and whether you can limit this sharing.

Qualifications & exceptions

• Sharing is conducted according to the specific reasons and opt-out rules enumerated in the sharing schedule.

Sharing & Disclosure · Company practice

Wells Fargo shares personal information for everyday business purposes without consumer right to limit

Wells Fargo shares customer personal information for routine business operations including processing transactions, maintaining accounts, responding to court orders and legal investigations, and reporting to credit bureaus. Customers cannot limit this sharing.

Supporting quotations

| For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |

Qualifications & exceptions

• Customers cannot limit sharing conducted for everyday business purposes.

Sharing & Disclosure · Company practice

Wells Fargo shares personal information with service providers for marketing purposes without opt-out

Wells Fargo shares personal information with third-party service providers to market its products and services. Customers cannot limit the sharing itself under this category, though separate direct marketing contact preferences apply.

Supporting quotations

| For our marketing purposes — with service providers we use to offer our products and services to you (please see below to limit the ways in which we contact you) | Yes | No |

Qualifications & exceptions

• Customers cannot opt out of this information sharing with service providers, but may separately limit marketing contact methods.

Sharing & Disclosure · Company commitment

Wells Fargo does not share personal information for joint marketing with other financial companies

Wells Fargo commits that it does not share customer personal information with external financial companies for joint marketing arrangements.

Supporting quotations

| For joint marketing with other financial companies | No | We don’t share |

Sharing & Disclosure · Company practice

Wells Fargo shares transaction and experience data with affiliates for everyday business without right to limit

Wells Fargo shares information about customer transactions and experiences with its corporate affiliates for their routine business operations. Customers cannot limit this transaction-and-experience sharing.

Supporting quotations

| For our affiliates’ everyday business purposes — information about your transactions and experiences | Yes | No |

Qualifications & exceptions

• Sharing of transaction and experience data with affiliates cannot be limited by the consumer.

Cross-references

• qualified by (model-proposed): State privacy protections apply, automatically restricting affiliate and nonaffiliate sharing for Vermont residents — Vermont state law automatically limits affiliate sharing without affirmative authorization, qualifying the general rule that consumers cannot opt out of affiliate everyday business sharing.

Sharing & Disclosure · User right or choice

Consumers may opt out of Wells Fargo sharing creditworthiness information with affiliates for everyday business

Wells Fargo shares customer creditworthiness information with its affiliates for everyday business purposes, and customers have the right to limit this sharing.

Supporting quotations

| For our affiliates’ everyday business purposes — information about your creditworthiness | Yes | Yes |

Qualifications & exceptions

• Right to limit applies specifically to creditworthiness information shared with affiliates, distinct from transaction/experience data.

Cross-references

• defined by (model-proposed): Affiliates are defined as companies related by common ownership or control, including named Wells Fargo entities — The definition of affiliates establishes the corporate scope covered by the creditworthiness sharing opt-out.

Sharing & Disclosure · User right or choice

Consumers may opt out of Wells Fargo affiliates using personal information to market products and services

Wells Fargo shares customer personal information with its affiliates for their own marketing purposes, and customers have the right to limit this marketing sharing.

Supporting quotations

| For our affiliates to market to you | Yes | Yes |

Qualifications & exceptions

• Consumers can opt out of affiliates using shared information to direct marketing.

Sharing & Disclosure · Company commitment

Wells Fargo does not share customer personal information with nonaffiliates to market to consumers

Wells Fargo commits that it does not share customer personal information with third-party nonaffiliated companies for their marketing purposes.

Supporting quotations

| For nonaffiliates to market to you | No | We don’t share |

Sharing & Disclosure · Procedure

Consumers can limit sharing by phone or online profile, with a 30-day delay for new customers

Customers may exercise available sharing opt-outs by calling 1-888-528-8460 or updating privacy preferences in online/mobile banking. For new customers, sharing may commence 30 days after notice delivery. Continued sharing persists for former customers as described in the notice, but opt-outs may be submitted at any time.

Supporting quotations

• Call 1-888-528-8460—our menu will prompt you through your choices. • Online and mobile banking customers – sign on and from the My Profile or Profile menu, select Change Privacy Preferences or Privacy Preferences. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Qualifications & exceptions

• New customer sharing can begin 30 days after the notice is sent.
• Information of former customers continues to be shared according to the notice, subject to any submitted opt-out preferences.

Sharing & Disclosure · Procedure

Direct marketing opt-outs last 3 to 5 years but exclude statement mailings, online/ATM, and team contacts

Consumers can limit direct marketing by phone or online banking. A Do Not Call request lasts 5 years (or longer while an active consumer customer); Do Not Mail lasts 3 years. Marketing continues in account statements, online/ATM visits, survey requests, account servicing, and outreach from assigned client relationship managers.

Supporting quotations

• To limit our direct marketing to you by mail or telephone, call 1-888-528-8460—our menu will prompt you through your choices. • Online andmobile banking customers – sign on and from the My Profile or Profile menu, select Change Privacy Preferences or Privacy Preferences. Please note: A Do Not Call election is effective for five years, or while you are an active consumer customer, if longer than five years. The Do Not Mail election is effective for three years. You may continue to receive marketing information in regular account mailings and statements, when you visit us online or at an ATM. You may also be contacted to service your account or participate in surveys. If you have an assigned client manager or team, they may continue to contact you to assist you in managing your portfolio or account relationship.

Qualifications & exceptions

• Do Not Call election lasts 5 years, or while an active consumer customer if longer.
• Do Not Mail election lasts 3 years.
• Does not stop marketing in account statements, online banking visits, ATMs, surveys, or assigned relationship manager contacts.

Sharing & Disclosure · Company commitment

Nonaffiliates are defined as unrelated companies, and Wells Fargo does not share for nonaffiliate marketing

Wells Fargo defines nonaffiliates as financial and non-financial companies not related by common ownership or control, and confirms it does not share customer personal information with nonaffiliates for their marketing.

Supporting quotations

Companies not related by common ownership or control. They can be financial and non-financial companies. • Wells Fargo does not share with nonaffiliates so they can market to you.

Sharing & Disclosure · Company commitment

Joint marketing is defined as formal agreements between nonaffiliates, and Wells Fargo does not jointly market

Joint marketing is defined as formal agreements between nonaffiliated financial companies to market products or services together, and Wells Fargo specifies that it does not engage in joint marketing.

Supporting quotations

A formal agreement between nonaffiliated financial companies that together market financial products or services toyou. • Wells Fargo does not jointly market.

Sharing & Disclosure · Company commitment

State privacy protections apply, automatically restricting affiliate and nonaffiliate sharing for Vermont residents

Wells Fargo complies with state privacy laws that grant additional protections beyond federal standards. For customers with a Vermont mailing address, Wells Fargo automatically limits sharing with affiliates and nonaffiliates unless the customer explicitly authorizes it.

Supporting quotations

We follow state law where state law provides you with additional privacy protections. For example, we automatically treat customers with a Vermont mailing address as having limited our sharing with affiliates and nonaffiliates, unless you give us authorization.

Qualifications & exceptions

• Applies where state law affords additional privacy protections beyond federal law.
• Customers with a Vermont mailing address are automatically treated as having opted out unless affirmative authorization is given.

Not stated here

• Other state laws giving additional protections are referenced generally but not individually enumerated.

Cross-references

• qualifies (model-proposed): Wells Fargo shares transaction and experience data with affiliates for everyday business without right to limit — Vermont state law automatically limits affiliate sharing without affirmative authorization, qualifying the general rule that consumers cannot opt out of affiliate everyday business sharing.