Before using an Electronic Service, you must review and accept this consent. It permits electronic delivery of information you would otherwise be entitled to receive on paper. Electronic Services include products accessed through the internet, websites, email, messaging including texts, or apps, now or in the future.
Details not recorded for this card
Supporting quotations
So, before you use any of our Electronic Services (as defined below), you must review and consent to the terms outlined below.
However, with your prior consent, we may instead provide this information to you electronically.
"Electronic Service" means each and every product and service we offer that you apply for, use, administer or access using the Internet, a website, email, messaging services (including text messaging), and/or software applications (including applications for mobile or hand-held devices), either now or in the future.
Consent extends to other people identified with your products
Wells Fargo here includes the bank, Wells Fargo Advisors, and all current and future Wells Fargo & Company affiliates. “You” includes the consenting person and additional owners, signers, representatives, delegates, product owners and service users identified with the relevant products. By consenting, you confirm that you are authorized to consent for these other people and are doing so.
Details not recorded for this card
Supporting quotations
"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.
"You" and "your" means the person giving this ESIGN Consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any Wells Fargo Product that you apply for, use or access.
You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your Wells Fargo Products .
Qualifications & exceptions
Other people must be identified with the relevant Wells Fargo Products.
Communications include documents you sign or submit
The defined term Communications covers disclosures, notices, agreements, fee schedules, statements, records, documents and other information Wells Fargo provides, as well as information you sign, submit or agree to at its request.
Details not recorded for this card
Supporting quotations
"Communications" means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request.
Qualifications & exceptions
Your signing, submission or agreement is at Wells Fargo’s request.
Products include present and future accounts and services
Wells Fargo Product includes every account, product or service it offers that you apply for, own, use, administer or access, now or in the future, including Electronic Services. Lists introduced with “include” or “including” give examples rather than an exhaustive set.
Details not recorded for this card
Supporting quotations
"Wells Fargo Product" means each and every account, product, or service we offer that you apply for, own, use, administer or access, either now or in the future. Wells Fargo Products include Electronic Services.
The words "include" and "including," when used at the beginning of a list of one or more items, indicates that the list contains examples; the list is not exclusive or exhaustive, the items in the list are only illustrations, and the items are not the only possible items that could appear in the list.
Qualifications & exceptions
The product must be one Wells Fargo offers that you apply for, own, use, administer or access.
Legal Rights & Agreement Rules · Permission or license
Wells Fargo may use electronic records and signatures
Wells Fargo may choose electronic form for Communications it provides or asks you to sign or agree to, and may use and obtain electronic signatures in transactions with you. This does not override legally required paper delivery or the separate election needed for electronic tax statements.
Details not recorded for this card
Supporting quotations
In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form ("Electronic Records").
We may also use electronic signatures and obtain them from you as part of our transactions with you.
There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent.
We will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available).
Qualifications & exceptions
Some Communications must remain on paper by law.
Electronic tax statements require a separate election, if available.
Cross-references
has exception (model-proposed): Legally required paper delivery may change if the law changes — Electronic-form discretion is limited by Communications that law still requires on paper; future legal permission automatically extends the consent.
Some Communications offer a choice of electronic or paper delivery
Electronic delivery methods are described in the Online Access Agreement and other agreements with you. For some Communications, you may choose electronic delivery, paper, or both; Wells Fargo will explain how when a choice is available. This consent does not itself supply the other agreements’ delivery methods.
Details not recorded for this card
Supporting quotations
Electronic Records may be delivered to you in a variety of ways. These various delivery methods are described in our Online Access Agreement and in other agreements we may have with you from time to time. In some cases, you will be able to choose whether to receive certain Communications electronically, or on paper, or both. We will provide you with instructions on how to make those choices when they are available.
Qualifications & exceptions
The choice is available only in some cases.
Not stated here
The linked Online Access Agreement's text is not supplied here; this card cannot specify its delivery methods or the terms of other separate agreements.
Legal Rights & Agreement Rules · Restriction or exception
Required written notices from you generally remain on paper
If law or your agreement requires you to give Wells Fargo written notice, you must send it on paper unless another Communication specifically tells you how to deliver that notice electronically. General electronic consent alone does not replace that instruction.
Details not recorded for this card
Supporting quotations
Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we specifically tell you in another Communication how you may deliver that notice to us electronically.
Qualifications & exceptions
An electronic alternative must be specifically explained in another Communication.
Legal Rights & Agreement Rules · Company commitment
Legally required paper delivery may change if the law changes
Wells Fargo will keep providing Communications in writing while law bars electronic delivery. If the law later permits electronic delivery of those Communications, this consent automatically extends to them.
Details not recorded for this card
Supporting quotations
There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those Communications to you in writing. However, if the law changes in the future and permits any of those Communications to be delivered as Electronic Records, this ESIGN Consent will automatically cover those Communications as well.
Qualifications & exceptions
Automatic extension depends on a future change in law permitting electronic delivery.
Cross-references
exception to (model-proposed): Wells Fargo may use electronic records and signatures — Electronic-form discretion is limited by Communications that law still requires on paper; future legal permission automatically extends the consent.
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.
Details not recorded for this card
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.
Account & Service Control · Procedure
Assisted enrollment may require another action to affirm consent
When you use an Electronic Service through a Wells Fargo representative or its equipment, enrollment may require further action. Wells Fargo will tell you at enrollment what to do. Completing that action affirms electronic-record and signature consent. Electronic Services include present and future products accessed through internet, websites, email, messaging or apps.
Details not recorded for this card
Supporting quotations
If you utilize an Electronic Service through one of our customer service representatives or using our equipment, your enrollment may not be complete until you take additional action. We will advise you, at the time of your enrollment, of any additional action you must take. If you take the required action, it is an affirmation of your consent to use Electronic Records and signatures under the terms of this ESIGN Consent.
"Electronic Service" means each and every product and service we offer that you apply for, use, administer or access using the Internet, a website, email, messaging services (including text messaging), and/or software applications (including applications for mobile or hand-held devices), either now or in the future.
Qualifications & exceptions
Applies when using a representative or Wells Fargo equipment; additional action may be required.
Legal Rights & Agreement Rules · Restriction or exception
English controls even when a Spanish translation is available
Wells Fargo produces Communications in English and provides a Spanish translation when available. You agree that English always controls. Wells Fargo may be unable to service products in another language, and future Communications may be English only. If you are not fluent, it recommends an interpreter or other steps to understand the transaction before entering it and future English Communications.
Details not recorded for this card
Supporting quotations
Please note, we may be unable to fulfill and service Wells Fargo Products in a language other than English. Future Communications may be in English only. If you are not fluent in English, you should consider obtaining the services of an interpreter or taking other steps to ensure you understand the transaction before entering into it and to have any future English Communications explained to you.
Our Communications are produced in English. For your convenience, we will provide a Spanish translation when available. You agree that the English version is always the controlling Communication.
Qualifications & exceptions
Spanish translations are provided when available.
The interpreter suggestion applies if you are not fluent in English.
Legal Rights & Agreement Rules · Procedure
Consenting confirms technical access and authority for other users
Consent is required before you use Electronic Services. By giving it, you confirm you have the specified hardware and software, can receive and review Electronic Records, and have an active email account. You also confirm you are authorized to consent, and do consent, for the other owners, signers, representatives, delegates, product owners and service users identified with your products. The defined “you” includes these additional people.
Details not recorded for this card
Supporting quotations
By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review Electronic Records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your Wells Fargo Products .
"You" and "your" means the person giving this ESIGN Consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any Wells Fargo Product that you apply for, use or access.
So, before you use any of our Electronic Services (as defined below), you must review and consent to the terms outlined below.
Qualifications & exceptions
Authority concerns the additional people identified with your Wells Fargo Products.
Legal Rights & Agreement Rules · Permission or license
Electronic records can include this consent and agreement amendments
The examples of records Wells Fargo may provide electronically include this consent and its amendments, the Online Access Agreement and other Electronic Service access agreements and their amendments, and notices changing your agreements. These are examples of permitted electronic form, rather than a statement that every such document is always delivered electronically.
Details not recorded for this card
Supporting quotations
Additional examples of Electronic Records covered by this ESIGN Consent include:
This ESIGN Consent and any amendments;
Our Online Access Agreement, other service or user agreements for online access to our Electronic Services, and all amendments to any of these agreements;
Notices of amendments to any of your agreements with us; and
In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form ("Electronic Records").
Qualifications & exceptions
The list gives examples, and electronic form is discretionary.
Covered records include account statements, fee notices and legal disclosures
Examples include periodic account and activity statements, disclosures and notices, fee or assessment notices such as late, overdraft, over-limit and returned-item fees, and disclosures Wells Fargo must or chooses to provide. The consent broadly covers product-related Communications, including information it provides and information you sign, submit or agree to at its request, for current or future products you apply for, own, use, administer or access. The consent’s exclusions still apply: legally barred electronic delivery stays on paper while required, and tax statements need a separate electronic election if available.
Details not recorded for this card
Supporting quotations
All of the Communications related to any Wells Fargo Product, except for those excluded by the terms of this ESIGN Consent;
All of the periodic account and activity statements, disclosures and notices we provide to you concerning your Wells Fargo Products;
Any notice or disclosure regarding fees or assessments of any kind, including late fees, overdraft fees, over limit fees, and returned item fees;
Other disclosures and notices that we are legally required to provide to you, or choose to provide to you in our discretion.
"Communications" means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request.
"Wells Fargo Product" means each and every account, product, or service we offer that you apply for, own, use, administer or access, either now or in the future. Wells Fargo Products include Electronic Services.
There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent.
We will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available).
Qualifications & exceptions
Subject to the consent’s exclusions, including legally required paper delivery and the separate tax-statement election.
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.
Details not recorded for this card
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.
Details not recorded for this card
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.
Details not recorded for this card
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.
Legal Rights & Agreement Rules · Restriction or exception
Wells Fargo disclaims control and responsibility for the SIPC website
The supplied SIPC link is for convenience. Wells Fargo says it does not control or endorse that website and is not responsible for its products, services, content, links, privacy policy or security policy.
Details not recorded for this card
Supporting quotations
Wells Fargo has provided this link for your convenience but does not control or endorse the website and is not responsible for the products, services, content, links, privacy policy, or security policy of the website.
Qualifications & exceptions
This disclaimer refers to the linked SIPC website.
Not stated here
The linked SIPC website's text is not supplied here; this card cannot describe its policies or services.
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.
Details not recorded for this card
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.
Legal Rights & Agreement Rules · Context
Consent covers all products until you withdraw it
Consent covers all Communications concerning any Wells Fargo Product. You can withdraw it by giving notice, with withdrawal effective after Wells Fargo has a reasonable opportunity to act. Products include present and future accounts and services you apply for, own, use, administer or access. Communications include information Wells Fargo provides and information you sign, submit or agree to at its request. Wells Fargo includes the bank, Advisors and current and future affiliates; “you” also includes the other people identified with the products. The paper-delivery exceptions and separate tax-statement election still apply.
Details not recorded for this card
Supporting quotations
Your consent covers all Communications relating to any Wells Fargo Product. Your consent remains in effect until you give us notice that you are withdrawing it.
"Wells Fargo Product" means each and every account, product, or service we offer that you apply for, own, use, administer or access, either now or in the future. Wells Fargo Products include Electronic Services.
"Communications" means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request.
"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.
"You" and "your" means the person giving this ESIGN Consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any Wells Fargo Product that you apply for, use or access.
There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent.
We will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available).
Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.
Qualifications & exceptions
Existing paper requirements and the separate electronic tax-statement election remain applicable.
Withdrawal takes effect after Wells Fargo has had a reasonable opportunity to act on notice.
Account & Service Control · Restriction or exception
Declining electronic records for a new product leaves other consent in place
When you seek a new product, Wells Fargo may remind you of your existing consent. Choosing not to use electronic records and signatures for that new product or service does not withdraw consent for any other Wells Fargo Product.
Details not recorded for this card
Supporting quotations
From time to time, you may seek to obtain a new Wells Fargo Product from us. When you do, we may remind you that you have already given us your consent to use Electronic Records and signatures. If you decide not to use Electronic Records and signatures in connection with the new product or service, your decision does not mean you have withdrawn this consent for any other Wells Fargo Product.
Legal Rights & Agreement Rules · Permission or license
Annual privacy-policy delivery may be satisfied by website availability
You agree that Wells Fargo may meet its annual privacy-policy delivery obligation by keeping the policy available on wellsfargo.com. It may instead keep it on another website offering its Electronic Services if it gives you prior notice. This clause describes delivery, without supplying the linked policy’s privacy practices.
Details not recorded for this card
Supporting quotations
You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review on www.wellsfargo.com, or, with prior notice to you, on another website where we offer Electronic Services.
Qualifications & exceptions
Use of another Electronic Services website requires prior notice.
Not stated here
The linked Privacy Policy's text is not supplied here; this card cannot state its data practices.
Account & Service Control · User right or choice
You may withdraw consent, with possible loss of services and higher fees
You may withdraw consent at any time, but it becomes effective only after Wells Fargo has a reasonable opportunity to act. Withdrawal may terminate access to Electronic Services, including online banking, and the use of certain products. If you receive online statements, termination results in paper statements mailed by the U.S. Postal Service or another courier. Depending on the product, higher or additional product or related-service fees may apply under the relevant agreement.
Details not recorded for this card
Supporting quotations
You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent may result in the termination of:
your access to our Electronic Services, including online banking, and
your ability to use certain Wells Fargo Products.
Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.
If you are receiving online account statements, the termination will cause paper statements to be mailed to you via the U.S. Postal Service or other courier. Depending on the specific Wells Fargo Product, if you withdraw consent we may charge higher or additional fees for that product or for services related to it. Please refer to the applicable agreement for any fee that may apply.
Qualifications & exceptions
Withdrawal takes effect after a reasonable opportunity to act.
Service termination is possible; mailed statements follow termination if you receive online statements.
Any higher or additional fees depend on the product and applicable agreement.
Not stated here
This consent does not specify a fixed processing time or the applicable fee amounts.
Cross-references
qualifies (model-proposed): Consent covers all products until you withdraw it — The ability to withdraw continuing consent is qualified by reasonable processing time, possible service termination and product-dependent fees.
Account & Service Control · Procedure
Withdrawal uses different telephone contacts by service
To withdraw consent, online-banking enrollees must call 1-800-956-4442; people not enrolled must call 1-800-869-3557. For Brokerage Services with Access Online, contact the Investment Contact Center at 1-877-879-2495. Wells Fargo accepts all relay calls, including 711, for deaf or hard-of-hearing customers.
Details not recorded for this card
Supporting quotations
To withdraw your consent:
If you are enrolled in online banking, you must contact us at 1-800-956-4442.
If you are not enrolled in online banking, you must contact us at 1-800-869-3557.
For Brokerage Services with Access Online, you must contact the Investment Contact Center at 1-877-879-2495.
Deaf or Hard of Hearing Customers
We accept all relay calls, including 711.
Qualifications & exceptions
The brokerage contact specifically applies to Brokerage Services with Access Online.
Account & Service Control · Procedure
You must promptly update your electronic address
You must promptly notify Wells Fargo when your email or other electronic address changes. Use Wells Fargo Online to update your contact details and recorded email address. Some special products may have separate update instructions.
Details not recorded for this card
Supporting quotations
You must promptly notify us of any change in your email or other electronic address. Sign on to Wells Fargo Online® to update your contact information and change the email address on record for you. There may be other, special Wells Fargo Products for which we provide separate instructions to update your email or other electronic address.
Qualifications & exceptions
Some special products use separate instructions.
Account & Service Control · Procedure
Electronic records require supported software, internet and email
To receive Electronic Records, you need internet access, an active email address, a supported browser and a program that accurately reads and displays PDFs, plus a computer and operating system supporting them. Browser and PDF software must be versions currently supported by their publishers. Printing and retaining paper records requires a printer; keeping electronic records requires electronic storage. Some applications may require a specific device brand or type. Wells Fargo can also discontinue software support if it considers a security or other flaw to make the version unsuitable.
Details not recorded for this card
Supporting quotations
To receive Electronic Records, you must have access to:
a Current Version (defined below) of an Internet browser we support,
a connection to the Internet,
a Current Version of a program that accurately reads and displays PDF files (such as Adobe® Acrobat® Reader),
a computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form, and
an active email address.
In some cases, you may also need a specific brand or type of device that can support a particular software application, including an application intended for particular mobile or handheld devices.
By "Current Version," we mean a version of the software that is currently being supported by its publisher.
We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with Electronic Services.
Qualifications & exceptions
A printer is needed only to print and retain records on paper; electronic storage is needed to retain them electronically.
Specific applications may require a particular device.
Publisher support does not prevent Wells Fargo from withdrawing support for a version it considers unsuitable.
Not stated here
The linked Technical Requirements page is not supplied; the source does not name all supported browser versions.
You should occasionally check the Technical Requirements page for supported-software updates. Some services or features may require particular browser settings, such as enabling JavaScript or cookies. If Wells Fargo detects an improper configuration, it will notify you and advise how to update it.
Details not recorded for this card
Supporting quotations
You should check the Technical Requirements page occasionally for updates on supported software. From time to time, we may offer services or features that require that your Internet browser be configured in a particular way, such as permitting the use of JavaScript or cookies. If we detect that your Internet browser is not properly configured, we will provide you with a notice and advice on how to update your configuration.
Qualifications & exceptions
Settings requirements apply to particular services or features.
Notice and advice depend on Wells Fargo detecting an improper configuration.
Security & Safeguards · Permission or license
Wells Fargo may stop supporting software it considers flawed
Wells Fargo reserves the right to stop supporting even a publisher-supported software version if, in its sole opinion, a security or other flaw makes it unsuitable for Electronic Services.
Details not recorded for this card
Supporting quotations
We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with Electronic Services.
Qualifications & exceptions
The flaw must, in Wells Fargo’s sole opinion, make the version unsuitable for Electronic Services.
Continued use after a requirements notice reaffirms consent
If changed hardware or software requirements would create a material risk that you cannot access or retain Electronic Records, Wells Fargo will notify you of the revised requirements. Continuing to use Electronic Services after receiving notice of the change reaffirms your consent.
Details not recorded for this card
Supporting quotations
If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your Electronic Records, we will give you notice of the revised hardware or software requirements. Continuing to use Electronic Services after receiving notice of the change is reaffirmation of your consent.
Qualifications & exceptions
The stated notice commitment is triggered by a material risk to access or retention.
Not stated here
The linked hardware or software requirements text is not supplied here; this card cannot state the revised requirements themselves.