Commercial Banking Disclosures

Products and services require credit approval. Wells Fargo Capital Finance is the trade or business name for certain asset-based lending services, senior secured lending services, and accounts receivable financing services of Wells Fargo & Company and its subsidiaries.

Products and services may require credit approval and may change due to market conditions. Wells Fargo Global Receivables and Trade Finance is the trade or business name in the United States for certain asset-based lending services, senior secured lending services, accounts receivable and accounts payable financing services, purchase order financing services, factoring, and letters of credit and other trade financing products of Wells Fargo & Company and its subsidiaries including Wells Fargo Bank, N.A., Member FDIC. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.

All transactions are subject to credit approval. Some restrictions may apply. Wells Fargo Vendor Financial Services is the trade or business name used by Wells Fargo Bank, N.A., and certain of its subsidiaries that provide financing and programs for manufacturers, dealers and other vendors of equipment and inventory and their customers. Equipment financing transactions are provided in Canada by Wells Fargo Equipment Finance Company. The information contained herein is general in nature and not intended to provide you with specific advice or recommendations. Contact your attorney, accountant, tax or other professional advisor with regard to your individual situation.

All transactions are subject to credit approval. Some restrictions may apply. Wells Fargo Equipment Finance is the trade name for certain equipment leasing and finance businesses of Wells Fargo Bank, N.A. and its subsidiaries. The information contained herein is general in nature and not intended to provide you with specific advice or recommendations. Contact your attorney, accountant, tax or other professional advisor with regard to your individual situation.

Products and services require credit approval. Wells Fargo Channel Finance is the business segment in the United States that provides certain inventory financing (floor planning), working capital financing, and accounts receivable financing services of Wells Fargo &Company and its subsidiaries, including Wells Fargo Commercial Distribution Finance, LLC, Wells Fargo Capital Finance, LLC, and Wells Fargo Bank, N.A., Member FDIC. Wells Fargo Bank, N.A., is a bank affiliate of Wells Fargo & Company. Wells Fargo Bank, N.A., is not liable or responsible for obligations of its affiliates.

Products and services require credit approval. Wells Fargo Inventory Finance is the business segment in the United States that provides certain inventory financing (floor planning), working capital financing, and accounts receivable financing services of Wells Fargo & Company and its subsidiaries, including Wells Fargo Commercial Distribution Finance, LLC and Wells Fargo Bank, N.A., Member FDIC. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company. Wells Fargo Bank, N.A. is not liable or responsible for obligations of its affiliates.

Products and services require credit approval. Additional collateral may be required. Wells Fargo Commercial Auto is the business segment in the United States that provides certain inventory financing (floor planning), working capital financing, commercial real estate financing and acquisition financing services of Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. is an Equal Credit Opportunity Lender. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company. Wells Fargo Bank, N.A. is not liable or responsible for obligations of its affiliates.

Wells Fargo & Company conducts business globally. Outside the U.S. Wells Fargo & Co conducts business through various companies, including duly authorized and regulated subsidiaries and affiliates in Asia, Canada, Europe, Middle East, Africa, and Latin America. All products and services may not be available in all countries. Each situation needs to be evaluated individually and is subject to local regulatory requirements. Wells Fargo does not have offices outside of the U.S. that provide services to retail or small business customers. For assistance with your accounts when traveling internationally, refer to our international access codes for phone numbers, or visit our travel resource center. Deposit products offered by Wells Fargo Bank, N.A., Member FDIC. Deposits held in non-U.S. branches, subsidiaries or affiliates are not FDIC insured.

Deposits with Wells Fargo Bank, National Association, Canadian Branch are not insured by the CDIC. Wells Fargo Bank, N.A. Member FDIC. 

Deposits held in non-U.S. branches are not FDIC insured.

Wells Fargo & Company conducts business within Europe, Middle East and Africa (“EMEA”) through various entities including duly authorized and regulated subsidiaries/legal entities and their respective branches. The entities and branches described below are herein referred to collectively as “Wells Fargo EMEA”. Wells Fargo EMEA does not provide services to retail clients.

Wells Fargo EMEA corporate banking products and services, including certain lending, payments, derivatives and other commercial banking activities, are offered in EMEA primarily by Wells Fargo Bank, N.A. (“WFBNA”), authorised and regulated by the Office of the Comptroller of the Currency, in the UK, WFBNA London Branch (“WFBNA LB”), authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority, and in Dubai, WFBNA DIFC Branch, regulated by the Dubai Financial Services Authority. Wells Fargo Bank International Unlimited Company ("WFBI") is licensed and regulated by the Central Bank of Ireland and is registered in Germany with the Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht – the “BaFin”).

Wells Fargo EMEA – capital markets and investment banking products and services are offered in EMEA primarily by Wells Fargo Securities International Limited (“WFSIL”), authorised and regulated by the UK Financial Conduct Authority, and Wells Fargo Securities Europe S.A., (“WFSE”), authorised by the Autorité de contrôle prudentiel et de resolution and regulated by the Autorité des marchés financiers.

For more information about Wells Fargo EMEA including additional regulatory disclosures, please visit our website.

Wells Fargo & Company (“Wells Fargo”) conducts business globally through various companies within and outside of the U.S., including duly authorized and regulated subsidiaries and affiliates. All products and services may not be available in all countries. Each situation needs to be evaluated individually and is subject to local regulatory requirements.

Wells Fargo does not have offices outside of the U.S. that provide services to retail or small business customers. For assistance with your accounts when traveling internationally, refer to our international access codes for phone numbers, or visit our travel resource center.

Wells Fargo Bank, N.A.

Wells Fargo & Company, Wells Fargo Bank, National Association organized under the laws of the U.S.A. with limited liability and their affiliates (collectively, “Wells Fargo”) complies with applicable anti-corruption laws, including the United States Foreign Corrupt Practices Act (“FCPA”), the UK Bribery Act (”UKBA”) and other applicable laws and regulations in the jurisdictions where Wells Fargo conducts business. Wells Fargo recognizes that your organization may have internal policies or procedures that either prohibit or limit your ability to accept the payment of certain expenses by Wells Fargo. Please check that the payment of expenses by Wells Fargo associated with this event does not violate your organization’s policies or procedures or any other local laws to which you may be subject. If applicable laws, regulations or policies prohibit Wells Fargo from making expenditures on your behalf, please contact us so that appropriate arrangements can be made. 

Please check with your local compliance and legal personnel to ensure your attendance at our event does not conflict with any law or institutional requirements. If additional information about the event is needed or required, please do not hesitate to contact us. 

Wells Fargo conducts business globally. Outside the U.S., Wells Fargo conducts business through various companies, including duly authorized and regulated subsidiaries and affiliates in Asia, Canada, Europe, Middle East, Africa, and Latin America. Not all products and services may be available in all countries. Each situation needs to be evaluated individually and is subject to local regulatory requirements.