ESIGN Consent to Use Electronic Records and Signatures

Wells Fargo · Official agreement

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6 of 31 cards in Charges & Financial Obligations

Charges & Financial Obligations · User right or choice

Tax statements stay on paper unless you separately elect electronic delivery

Wells Fargo will continue sending tax statements on paper unless you separately elect electronic delivery, where that option is available.

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Supporting quotations

We will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available).

Qualifications & exceptions

  • The separate electronic option must be available.

Cross-references

Also annotated in the same passage (2)

Charges & Financial Obligations · User right or choice

You can request paper copies, potentially for a fee

If Wells Fargo provides an Electronic Record, you may request a paper version from the appropriate customer service unit. The related product’s statement or agreement gives the contact details and any applicable paper-copy fee. A fee may apply unless applicable law prohibits it.

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Supporting quotations

If we provide Electronic Records to you, and you want a paper copy, you may contact the appropriate customer service unit and request a paper version. You will find the appropriate contact information in the account statement or agreement for the Wells Fargo Product related to the Electronic Record. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law. Please refer to the applicable statement or agreement for any fee that may apply for paper copies.

Qualifications & exceptions

  • Applicable law may prohibit a paper-copy fee.

Not stated here

  • The amount of any applicable fee is in the relevant statement or agreement, not specified here.

Charges & Financial Obligations · Context

Brokerage records are included, with an election for electronic tax reporting

The examples cover Wells Fargo Advisors brokerage disclosures, agreements, statements, trade confirmations, shareholder notices, prospectuses, Service Notices and Performance Reports. Tax reporting statements are included if you elect electronic delivery. This lists record types covered by consent without supplying the brokerage agreements themselves.

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Supporting quotations

Brokerage disclosures, agreements, statements, trade confirmations, tax reporting statements (if you elect electronic delivery), shareholder notices, prospectuses, Service Notices and Performance Reports regarding accounts, products and services offered by or through Wells Fargo Advisors;

Qualifications & exceptions

  • Applies to accounts, products and services offered by or through Wells Fargo Advisors.
  • Electronic tax reporting statements require an election.

Charges & Financial Obligations · Context

Investment and insurance products lack deposit guarantees and can lose principal

The notice says investment and insurance products are not FDIC-insured or insured by any federal government agency. They are not bank or bank-affiliate deposits, obligations or guarantees, and they carry investment risks including possible loss of invested principal.

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Supporting quotations

Investment and Insurance Products are:
Not Insured by the FDIC or Any Federal Government Agency
Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Qualifications & exceptions

  • These warnings concern investment and insurance products.

Charges & Financial Obligations · Context

Wells Fargo Advisors names two non-bank broker-dealers

Although this consent defines Wells Fargo broadly to include the bank, Advisors and current and future affiliates, its Advisors notice identifies Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC as the separate registered broker-dealers using the trade name. They are non-bank Wells Fargo & Company affiliates and SIPC members.

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Supporting quotations

Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company, and Members
"We," "us," "our" and "Wells Fargo" means Wells Fargo Bank, N.A., Wells Fargo Advisors, and each and every current and future affiliate of Wells Fargo & Company.
SIPC

Not stated here

  • The source identifies SIPC membership but does not explain the scope of SIPC protection.
Also annotated in the same passage (3)

Charges & Financial Obligations · Context

Deposit products are offered by the FDIC-member bank

The page identifies Wells Fargo Bank, N.A. as the provider of deposit products and states that it is an FDIC member. This deposit statement is distinct from the investment and insurance risk warning.

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Supporting quotations

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Not stated here

  • The page does not specify deposit-insurance limits or eligibility details.