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WELLS FARGO CALIFORNIA CONSUMER PRIVACY ACT NOTICE AND NOTICE AT COLLECTION


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Effective: September 25, 2024

(Last Reviewed: 09/25/2024)

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."

This Notice explains how we collect, use, retain, and disclose personal
information about California residents. The Notice also explains certain rights
that California residents have under the California Consumer Privacy Act (the
“CCPA”).

The CCPA only applies to information about residents of California. If you are a
resident of a U.S. state other than California, you may submit a request and we
may process it, as described in this Notice, even though the CCPA does not
require us to do so. In accepting, processing, and responding to requests by
individuals who are not California residents, we will apply all the same
limitations and exceptions under the CCPA to those requests as apply to requests
made by California residents. We reserve the right to change or stop the
practice of accepting requests from U.S. residents of states other than
California, except as otherwise required by law.

Under 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."


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
resources, and for 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.

During the past 12 months, we have collected the following categories of
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
     (e.g., 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), including information about interaction with our
     websites, applications, or advertisements
 7.  Geolocation Data — Geolocation data, such as device location
 8.  Audio and Visual Information — Audio, electronic, visual, thermal,
     olfactory, or similar information, such as call and video recordings
 9.  Employment Information — Professional or employment-related information,
     such as work history, information from background checks, resumes, and
     personnel files, personal qualifications, training, and work preference,
     payroll and benefit information, leave and absence information, and
     performance and disciplinary information
 10. Education Information — Education information subject to the federal Family
     Educational Rights and Privacy Act, such as student records and
     confirmation of graduation; and
 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,
   immigration status, or union membership; 
 * 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. 


SOURCES OF PERSONAL DATA

The sources from which we collect Personal Data depend on, among other things,
our relationship or interaction with a specific California resident. The
information below lists the categories of sources from which we collect Personal
Data in different contexts.

 * From California residents directly, or other individuals acting on their
   behalf, through, for example, physical (e.g., paper application), audible
   (e.g., phone), and electronic (e.g., website, social media) sources.
 * Public records or widely available sources, including information from the
   media, and information that is made available by federal, state, and local
   government entities.
 * Outside companies or organizations that provide data to support activities
   such as fraud prevention, underwriting, and marketing. Examples may include
   internet service providers, social networks, data brokers, advertising
   networks, and data analytics providers
 * Outside companies or organizations from whom we collect Personal Data to
   support human resource and workforce management activities. Examples may
   include service providers and social networks.
 * Outside companies or organizations from whom we collect Personal Data as part
   of providing products and services, completing transactions, supporting our
   everyday operations, or business management and development. Examples include
   companies or organizations to whom we provide products or services; other
   parties, partners, and financial institutions; and parties involved with
   mergers, acquisitions, and other transactions involving transfers of all or
   part of a business, or a set of assets.


WHY WE COLLECT PERSONAL DATA AND HOW WE USE IT

The purposes for which we collect, use, and disclose 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, use, and
disclose Personal Data in different contexts.

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

 * Establish and process transactions for our products and services, including
   checking accounts, credit cards, loans, investment accounts, 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
 *  Obtain support for fulfilling the above purposes from our third-party
   service providers, professional services and business partners, and financial
   institutions
   

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 and legal requests and demands, as well as
   exercise and defend legal claims
 * Enable the use of service providers for business purposes
 * Comply with laws, regulations, 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
 * Operate and manage IT and communications systems and facilities, and allocate
   company assets
   

Manage, improve, and develop our business

 * Market, personalize, develop, and improve our products and services
   * This includes “sharing” Personal Data for purposes of delivering tailored
     advertising on third party websites, applications or services (also known
     as cross-context behavioral advertising)
 * Conduct research and analysis, including for 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 service providers
   and from our professional services, business, and marketing partners
   

Support employment, infrastructure, and human resource management

 * Provide benefits to employees and dependents, including healthcare and
   retirement plans
 * Manage pay and compensation activities
 * Manage attendance, time keeping, leaves of absence, and vacation
 * Manage and operate our facilities and infrastructure, including conducting
   risk and security control and monitoring activities
 * Recruit new employees, process employment applications, and onboard new
   employees
 * Perform identity verification, accounting, budgeting, audit, and other
   internal functions, such as internal investigations, disciplinary matters,
   and handling grievances and terminations
 * Operate and manage IT and communications systems and facilities, allocate
   company assets and human resources, and undertake strategic planning and
   project management
 * Conduct research, analytics, and data analysis, such as to assist in
   succession planning and to ensure business continuity
 * Obtain support for fulfilling the above purposes from our third-party service
   providers, professional services and business partners
   

Sensitive Personal Information as permitted by law

 * Perform services for our business, provide goods or services as requested by
   individuals
 * Detect and investigate security incidents
 * Short term transient use such as displaying first party, non-personalized
   advertising
 * Process and fulfil 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
 * To support employment, infrastructure, and human resource management
 * Countering wrongful or unlawful actions
 * Other collection and processing, as permitted by law, without inferring
   characteristics about an individual


CATEGORIES OF THIRD PARTIES AND OUR DISCLOSURE AND SHARING OF PERSONAL DATA

The categories of third parties to whom we disclose or share Personal Data about
a specific individual depend on, among other things, our relationship or
interaction with a specific California resident. Such third parties include:

 * Outside companies or organizations, including service providers, to whom we
   disclose Personal Data as part of providing products and services, completing
   transactions, supporting our everyday operations, or business management and
   development. Examples may include internet service providers, social
   networks, operating systems and platforms, advertising networks, and data
   analytics providers; companies or organizations to whom we provide products
   or services; other parties, partners, and financial institutions; and parties
   involved with mergers, acquisitions, and other transactions involving
   transfers of all or part of a business, or a set of assets.
 * Companies or individuals that represent California residents such as an
   accountant, financial advisor, or person holding power of attorney on behalf
   of a California resident
 * Government agencies, including to support regulatory and legal requirements
 * Outside companies or organizations, including service providers, to whom we
   provide Personal Data to support human resource activities and workforce
   management. Examples may include recruiting, training, data analytics, and
   employee benefits providers
 * Outside companies or organizations, in connection with routine or required
   reporting, including consumer reporting agencies and other parties
 * Third-party marketing and advertising technology providers, advertising
   partners, and social media platforms, in connection with our cross-context
   behavioral advertising activities

Wells Fargo did not sell or share personal data within the 12 months prior to
the date of this notice. The table below shows, for each Personal Data category
we have collected, the categories of third parties to whom we disclosed Personal
Data for our business purposes during the preceding 12 months and the categories
of third parties with whom we may share Personal Data for purposes of
cross-contextual behavioral advertising as of the effective date of this Notice.
The table below contains briefer descriptions of the categories of Personal Data
and third parties. The full descriptions of the categories of Personal Data and
third parties are available above.




Personal Data Type

Third Party Category to Whom We Disclosed Personal Data for Business Purposes

Third Party Category with Whom We May Share Personal Data for Cross-Context
Behavioral Advertising

Personal Identifiers

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents

 * Government agencies
 * Outside organizations in connection with human resource activities and
   workforce management
 * Outside companies in connection with routine or required reporting

 * Third-party marketing and advertising technology providers
 * Third-party advertising partners including social media platforms
 * Data analytics providers

Personal Information

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents

 * Government agencies
 * Outside organizations in connection with human resource activities and
   workforce management
 * Outside companies in connection with routine or required reporting

 * Third-party marketing and advertising technology providers
 * Third-party advertising partners including social media platforms

 * Data analytics providers

Characteristics of Protected Classes

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents

 * Government agencies

 * Outside organizations in connection with human resource activities and
   workforce management

 * Outside companies in connection with routine or required reporting

 * None

Purchase Information

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents
 * Government agencies
 * Outside organizations in connection with human resource activities and
   workforce management
 * Outside companies in connection with routine or required reporting
   

 * Third-party marketing and advertising technology providers
 * Third-party advertising partners including social media platforms
 * Data analytics providers

Biometric Information

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Outside organizations in connection with human resource activities and
   workforce management

 * None

Internet or Online Information

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development

 * Representatives of California residents
 * Government agencies
 * Outside organizations in connection with human resource activities and
   workforce management
 * Outside companies in connection with routine or required reporting
   

 * Third-party marketing and advertising technology providers
 * Third-party advertising partners including social media platforms
 * Data analytics providers

Geolocation Data

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents

 * Government agencies

 * Outside organizations in connection with human resource activities and
   workforce management

 * Outside companies in connection with routine or required reporting 

 * Third-party marketing and advertising technology providers
 * Third-party advertising partners including social media platforms

 * Data analytics providers

Audio and Visual Information

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents

 * Government agencies
 * Outside organizations in connection with human resource activities and
   workforce management

 * None

Employment Information

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents

 * Government agencies
 * Outside organizations in connection with human resource activities and
   workforce management
 * Outside companies in connection with routine or required reporting

 * None

Education Information

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents

 * Government agencies
 * Outside organizations in connection with human resource activities and
   workforce management
 * Outside companies in connection with routine or required reporting

 * None

Inferences

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents

 * Government agencies
 * Outside organizations in connection with human resource activities and
   workforce management
 * Outside companies in connection with routine or required reporting

 * Third-party marketing and advertising technology providers
 * Third-party advertising partners including social media platforms
 * Data analytics providers

Sensitive Personal Information

 * Outside organizations in connection with providing products and services,
   completing transactions, supporting our everyday operations, or business
   management and development
 * Representatives of California residents

 * Government agencies
 * Outside organizations in connection with human resource activities and
   workforce management
 * Outside companies in connection with routine or required reporting

 * None


DATA RETENTION

We will keep Personal Data, including Sensitive Personal Information, no longer
than reasonably necessary to fulfil the purposes described in this Notice. Under
records and information management policy, we are required to destroy records
containing Personal Data, including Sensitive Personal Information, according to
specific periods in our retention schedule. However, we may need to hold such
records beyond these retention periods as set forth in our record retention
policy, due to regulatory requirements or in response to a regulatory audit,
investigation, or other legal matter.


REQUESTS UNDER THE CCPA

The CCPA defines a “sale” as the disclosure of Personal Data for monetary or
other valuable consideration. Wells Fargo does not sell and has not, within the
last 12 months, sold Personal Data, including Sensitive Personal Information.
Furthermore, we have no actual knowledge that we sell or share (for purposes of
cross-context behavioral advertising) Personal Data, including Sensitive
Personal Information, of minors under 16 years of age.

If you are a California resident, you have the right to request that we:

 1. Disclose to you the following information ("Request to Know"):
    1. The categories of Personal Data we collected about you and the categories
       of sources from which we collected the Personal Data;
    2. The business or commercial purpose for collecting or sharing Personal
       Data about you;
    3. The categories of third parties to whom we disclosed Personal Data about
       you, and the categories of Personal Data disclosed;
    4. The categories of Personal Data about you that we shared and the
       categories of third parties with whom we shared such Personal Data; and
    5. The specific pieces of Personal Data we collected about you.
 2. Delete Personal Data we collected from you ("Request to Delete").
 3. Correct inaccurate personal information that we maintain about you ("Request
    to Correct").
 4. Opt you out of "sharing", for purposes of cross-context behavioral
    advertising, ("Request to Opt-Out of Sharing").

In addition, you have the right to be free from discrimination by a business for
exercising your CCPA privacy rights, including the right as an employee,
applicant, or independent contractor not to be retaliated against for exercising
your CCPA privacy rights.

View Wells Fargo's CCPA record-keeping details in the annual disclosure.


HOW TO MAKE REQUESTS

If you are a California resident, you can make a Request to Know, Delete, or
Correct by:

 1. Contacting us at 1-844-774-9229; or
 2. Submitting your request at www.wellsfargo.com/privacycenter/.

Wells Fargo Online® customers and Wells Fargo employees: you can make a request
by using your existing Wells Fargo log-in credentials.

For all other individuals, we will ask you to provide the following information
to identify yourself:

 * Name, contact information, Social Security or individual taxpayer
   identification number, and date of birth; and
 * A copy of a government-issued photo ID. We accept your driver’s license,
   state ID, or matricula card.

When you make a Request to Know, Delete, or Correct, we will attempt to verify
that you are who you say you are. For example, we will attempt to match
information that you provide in making your Request with other sources of
similar information to reasonably verify identity.

To make a Request to Opt-Out of Sharing, click here .  We also process opt-out
preference signals, such as the Global Privacy Control, as required by the
CCPA.  These signals set the opt out of sharing preferences for the specific
browser or device you are using.  For information about how to use the Global
Privacy Control, please visit https://globalprivacycontrol.org/Opens Dialog .


RESPONDING TO REQUESTS

Privacy and data protection laws, other than the CCPA, apply to much of the
Personal Data that we handle. When these other laws apply, Personal Data may be
exempt from, or outside the scope of, a request to Know, Delete, or Correct. For
example, information subject to certain federal privacy laws, such as the
Gramm-Leach-Bliley Act or the Health Insurance Portability and Accountability,
is exempt from CCPA Requests. As a result, we may decline all or part of your
Request to the extent that it relates to exempt Personal Data. This means that
we may not provide, delete, correct, or opt-out some, or all, of this Personal
Data when you make a CCPA Request.

As examples, our processing of, or response to, a CCPA Request may not include
some or all of the following Personal Data:

 * Consumer Accounts. Personal Data related to consumer accounts used for
   personal, family, or household purposes and applications for such accounts.
   We have other privacy notices providing certain information on use and
   sharing of this data, for example, the Wells Fargo U.S. Consumer Privacy
   Notice, available at www.wellsfargo.com/privacy-security.

The types of Personal Data described above are examples. We have not listed all
types of Personal Data that may not be included when we respond to or process
CCPA Requests.

In addition to the above examples, we may not include Personal Data when we
respond to or process CCPA Requests when the CCPA recognizes another exception.
For example, we will not provide the Personal Data about another individual when
doing so would adversely affect the data privacy rights of that individual. As
another example, we will not delete Personal Data when it is necessary to
maintain that Personal Data to comply with a legal obligation.

We will verify and respond to your request consistent with applicable law,
taking into account the type and sensitivity of the Personal Data subject to the
request.


AUTHORIZED AGENTS

If you are a California resident, you may authorize an agent to make a request
on your behalf. A California resident's authorized agent may make a request on
behalf of the California resident by using the submission methods listed above
under “How To Make Requests.”  As part of our verification process, we may
request that you provide, as applicable:

 * For an individual ("requestor") making a request on behalf of a California
   resident:
   * The requestor's name; contact information; Social Security or individual
     taxpayer identification number; date of birth; and driver’s license, state
     ID, or matricula card.
   * The name; contact information; Social Security or individual taxpayer
     identification number; date of birth; and driver’s license, state ID, or
     matricula card of the California resident on whose behalf the request is
     being made.
   * A document to confirm that the requestor is authorized to make the request.
     We may accept, as applicable, a signed permission by the California
     resident on whose behalf the request is made, a copy of a power of
     attorney, legal guardianship or conservatorship order, or a birth
     certificate of a minor if the requestor is the custodial parent.
 * For a company or organization ("legal entity requestor") making a request on
   behalf of a California resident:
   * Proof that the California resident has authorized the legal entity
     requestor to make the request. We may accept as applicable, a signed
     permission by the California resident on whose behalf the request is made,
     copy of power of attorney, or legal guardianship or conservatorship order.
   * The name; contact information; Social Security or individual taxpayer
     identification number; date of birth; and driver’s license, state ID, or
     matricula card of the California resident on whose behalf the request is
     being made. From the individual who is acting on behalf of the legal entity
     requestor, proof that the individual is authorized by the legal entity
     requestor to make the request. We accept a letter on the legal entity
     requestor's letterhead, signed by an officer of the organization. We
     provide a template to use via the URL provided above for making requests.





DEIDENTIFIED INFORMATION

Where we maintain or use deidentified information, we will continue to maintain
and use the deidentified information in a deidentified fashion and will not
attempt to re-identify the information.


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.


CONTACT US

If you have any questions or concerns about Wells Fargo’s privacy policies and
practices, please contact us at PrivacyCenter@wellsfargo.com. Please do not use
this email address to send sensitive information or account-specific questions;
instead call 1-800-TO-WELLS (1-800-869-3557) with any account-specific
questions.

QSR-04302026-7245241.1.1

UPN USA2712 (Rev 09/25/2024)

LRC-0924


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