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Wells Fargo & Company Responsible Lending and Servicing Principles for U.S. Residential Real Estate Products

Building on the Responsible Lending Principles for Consumer Credit that apply broadly to all extensions of consumer credit, Wells Fargo has also adopted additional principles that govern our business practices for extensions of consumer credit secured by U.S. residential real estate and related servicing activities. These principles further our commitment to fair and responsible lending practices.

Responsible Lending Principles for U.S. Residential Real Estate Products

These principles apply to the extension of consumer credit secured by U.S. residential real estate and cover both prime and nonprime mortgage loans and lines of credit (including both first lien and home equity products). Principles described here include those relating to pricing, ability to repay and benefit to borrower determinations, informed consumer choice, and limits on certain terms and features, among others.

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Responsible Servicing Principles for U.S. Residential Real Estate Lending

These principles reflect Wells Fargo's longstanding commitment to responsible servicing for real estate-secured consumer loans and lines of credit. Key principles include the company's consumer-centric approach to servicing, providing information that customers need, helping customers manage their credit, and our commitment to help customers facing financial difficulties stay in their homes whenever possible.

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