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 * Wells Fargo California Consumer Privacy Act Notice at Collection


WELLS FARGO CALIFORNIA CONSUMER PRIVACY ACT NOTICE AT COLLECTION


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Effective: December 7, 2022

(Last Reviewed: August 14, 2023)

This California Consumer Privacy Act Notice at Collection ("Notice") is provided
by the Wells Fargo companies described below. These companies are referred to in
this Notice as "we" or "us."

Under the California Consumer Privacy Act, as amended by the California Privacy
Rights Act (the "CCPA"), "personal information" is information that identifies,
relates to, describes, is reasonably capable of being associated with, or could
reasonably be linked, directly or indirectly, with a particular California
resident or household. This information is referred to in this Notice as
"Personal Data."

This Notice explains:

 1. Categories of Personal Data that we collect about residents of California;
    and
 2. The business or commercial purposes for which we use that Personal Data.


CATEGORIES OF PERSONAL DATA THAT WE COLLECT

We collect Personal Data in a variety of contexts. For example, we collect
Personal Data to provide financial products and services, for our human
resource, and vendor management purposes.

The Personal Data that we collect about a specific California resident will
depend on, for example, our relationship or interaction with that individual.

We collect the following categories of Personal Data.  Wells Fargo does not sell
or share Personal Data, including Sensitive Personal Data.

 1.  Personal Identifiers — Personal unique identifiers, such as full name and
     federal or state issued identification numbers, including Social Security
     number, driver’s license number, and passport number;
 2.  Personal Information — Personal information, including contact details such
     as telephone number and address, financial information (e.g., account
     number and balance), payment card details (e.g., credit and debit card
     numbers), and medical and health insurance information;
 3.  Characteristics of Protected Classes — Characteristics of protected classes
     or groups under state or federal law, such as sex, disability, citizenship,
     primary language, immigration status, and marital status;
 4.  Purchase Information — Purchase information, such as products and services
     obtained and transaction histories;
 5.  Biometric Information — Biometric information, such as fingerprints and
     voiceprints;
 6.  Internet or Online Information — Internet or online information (e.g.,
     browsing history) and information regarding interaction with our websites,
     applications, or advertisements;
 7.  Geolocation Data — Geolocation data, such as device location;
 8.  Audio and Visual Information — Audio, electronic, visual, or similar
     information, such as call and video recordings;
 9.  Employment Information — Professional or employment-related information,
     such as work history and prior employer, information from background
     checks, resumes, and personnel files;
 10. Education Information — Education information subject to the federal Family
     Educational Rights and Privacy Act, such as student records and
     confirmation of graduation;
 11. Inferences — Inferences based on information about an individual to create
     a summary about, for example, an individual’s preferences and
     characteristics; and
 12. Sensitive Personal Information — 

 * Social Security number, driver’s license, state identification card, or
   passport number; 
 * Account log-in, financial account, debit card, or credit card number in
   combination with any required security or access code, password, or
   credentials allowing access to an account; 
 * Precise geolocation; 
 * Racial or ethnic origin, religious or philosophical beliefs, citizenship, or
   immigration status; 
 * The contents of mail, email, and text messages unless we are the intended
   recipient of the communication; 
 * Biometric information processed to uniquely identify an individual; and 
 * Health information, sexual orientation.
   


WHY WE COLLECT PERSONAL DATA AND HOW WE USE IT

The business and commercial purposes for which we collect and use Personal Data
depend on, among other things, our relationship or interaction with a specific
California resident. The table below lists the purposes for which we collect and
use Personal Data in different contexts.

Purposes for Collection and Use
Examples
Provide and manage products and services

 * Establish and process transactions for our products and services including
   checking accounts, credit cards, loans, investment accounts, as well as
   additional products for businesses such as commercial financing and payment
   services
 * Support the ongoing management and maintenance of our products and services
   including to provide account statements, online banking access, customer
   service, payments and collections, and account notifications
   

Support our everyday operations, including to meet risk, legal, and compliance
requirements

 * Perform accounting, monitoring, and reporting
 * Enable information security and anti-fraud operations, as well as credit,
   underwriting, and due diligence
 * Support audit and investigations, legal requests and demands, as well as
   exercise and defend legal claims
 * Enable the use of service providers for business purposes
 * Comply with policies, procedures, and contractual obligations
 * Obtain support for fulfilling the above purposes from our third-party service
   providers, professional services and business partners, and financial
   institutions
   

Manage, improve, and develop our business

 * Market, personalize, develop, as well as improve our products and services
 * Conduct research and analysis, including to drive product and services
   innovation
 * Support customer relationship management
 * Evaluate and engage in mergers, acquisitions, and other transactions
   involving transfers of all or part of a business, or a set of assets
 * Obtain support for fulfilling the above purposes from our third-party service
   providers, professional services and business partners, and financial
   institutions
   

Support employment, infrastructure, and human resource management

 * Provide benefits to employees and dependents, including healthcare and
   retirement plans
 * Manage pay and compensation activities
 * Manage and operate our facilities and infrastructure
 * Process employment applications
 * Obtain support for fulfilling the above purposes from our third-party service
   providers, professional services and business partners, and financial
   institutions
   

Use of Sensitive Personal Information as permitted by law

 * Perform services for our business, provide goods or services as requested by
   individuals, and ensure security and integrity
 * Short term transient use such as displaying first-party, non-personalized
   advertising
 * Process and fulfill orders, maintain and service accounts, provide customer
   service, verify customer information, process payments, and provide financing
 * Activities relating to quality and safety control or product improvement


DATA RETENTION

We will keep Personal Data no longer than necessary to fulfill the purposes
described in this Notice. Under our record retention policy, we are required to
destroy Personal Data after we no longer need it according to specific retention
periods. However, we may need to hold Personal Data beyond these retention
periods due to regulatory requirements or in response to a regulatory audit,
investigation, or other legal matter. These requirements also apply to our
third-party service providers.


WELLS FARGO’S CALIFORNIA CONSUMER PRIVACY ACT NOTICE

Wells Fargo’s California Consumer Privacy Act Notice is available for review or
download.


CHANGES TO THIS NOTICE

We may change or update this Notice periodically. When we do, we will post the
revised Notice on this webpage indicating when the Notice was "Last Updated."


WELLS FARGO COMPANIES PROVIDING THIS NOTICE

This Notice is provided by Wells Fargo and Company and its subsidiaries that
either: (1) act as a business within the meaning of the CCPA, or (2) are
controlled by Wells Fargo and Company and use the Wells Fargo name. As an
example, companies providing this Notice include Wells Fargo Bank, N.A.

QSR-03062025-5930213.1.1 UPN USA2711WA

LRC-0823


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