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Wells Fargo & Company is offering $500,000,000 of Medium-Term Notes, Series Y, senior redeemable floating rate notes. The notes are unsecured obligations of the company, bear interest at Compounded SOFR plus 74 basis points with a minimum interest rate of 0% per year, and mature on January 23, 2030, when holders are paid 100% of principal plus accrued interest.
The notes are issued at 100.00% of principal, with a 0.25% agent discount, resulting in net proceeds of $498,750,000. Interest is paid quarterly on January 23, April 23, July 23 and October 23, starting April 23, 2026. Wells Fargo may redeem the notes at 100% of principal plus accrued interest in whole on January 23, 2029, or in whole or in part on or after December 23, 2029, subject to any required regulatory approval. Sales to retail investors in the United Kingdom are prohibited, and investors face risks tied to SOFR benchmarks and the company’s credit.
Wells Fargo & Company is offering senior unsecured Medium-Term Notes, Series T, with a fixed interest rate of 5.50% per annum, priced at $1,000 per note. Interest is paid in cash semi-annually each January 21 and July 21, starting July 21, 2026.
The notes are scheduled to mature on January 21, 2046, unless Wells Fargo redeems them earlier at 100% of principal plus accrued interest on annual call dates beginning January 21, 2028. The notes will not be listed on any exchange, so liquidity may be limited and resale prices may be below the original offering price.
The notes are senior unsecured obligations subject to the credit risk of Wells Fargo; if the issuer defaults, investors could lose some or all of their investment. The risk discussion highlights interest rate risk over the long term, potential structural subordination, limited acceleration rights, possible secondary market discounts, and conflicts of interest from dealers’ hedging and selling concessions. For U.S. tax purposes, counsel expects the notes to be treated as debt, generally without original issue discount if issued at par.
Wells Fargo & Company is offering senior unsecured Medium-Term Notes, Series Y, that pay a fixed interest rate from January 2026 until January 2046 and then a floating rate based on Compounded SOFR until their stated maturity in January 2047, unless the notes are redeemed earlier.
Wells Fargo may redeem the notes at its option during a make-whole redemption period running from February 2027 through January 2046, and later at par on specified dates, in each case plus accrued interest and subject to any required regulatory approvals. The notes will be sold to underwriting agents, including Wells Fargo Securities, at a purchase price equal to the issue price less an agent discount, so Wells Fargo receives the net proceeds. The notes are unsecured, are not bank deposits or insured obligations, and are subject to the company’s credit risk. They are not intended to be offered or made available to retail investors in the United Kingdom under UK PRIIPs rules.
Wells Fargo & Company is offering Medium-Term Notes, Series Y, structured as senior redeemable fixed-to-floating rate notes under an existing shelf registration. These notes are unsecured obligations of Wells Fargo & Company, so all interest and principal payments depend on the company’s ability to meet its debt commitments, and a default could result in loss of some or all invested principal.
The notes are not bank deposits and are not insured by the FDIC or any other governmental agency. The document highlights U.S. federal income tax considerations, including potential original issue discount, and directs investors to more detailed tax discussions in the accompanying prospectus materials. It also emphasizes risk factors related to SOFR, compounded SOFR and any benchmark replacement referenced in the broader offering documents.
For the United Kingdom, the notes are expressly not intended for retail investors, and no UK PRIIPs key information document has been prepared, so offering them to retail investors in the UK may be unlawful. In the UK, any offer and related investment activity is limited to non-retail “relevant persons,” such as investment professionals and certain high net worth entities, who are deemed to represent that they meet these criteria.
Wells Fargo & Company provides a pricing supplement for its Medium-Term Notes, Series Y, which are senior redeemable fixed-to-floating rate notes. The notes are unsecured obligations of the company, so all interest and principal payments depend on Wells Fargo’s creditworthiness, and investors could lose some or all of their investment if the company defaults. The notes are not bank deposits and are not insured by the FDIC or any other government agency.
The document highlights existing risk factors, including those related to SOFR, compounded SOFR and benchmark replacements, directing investors to the accompanying prospectus for details. It also sets strict United Kingdom sales restrictions: the notes are not intended for UK retail investors, no UK PRIIPs key information document has been prepared, and offering or selling the notes to UK retail investors may be unlawful. Any offer in the UK is limited to non-retail “relevant persons” such as investment professionals and certain high net worth entities under local financial promotion rules.
Wells Fargo & Company is offering senior unsecured Medium-Term Notes, Series Y, that pay a floating interest rate based on Compounded SOFR plus a specified spread, with a minimum interest rate of 0% per year for each interest period. The notes are scheduled to mature in January 2030, when holders are expected to receive the full principal amount in cash plus any accrued and unpaid interest.
The notes may be redeemed at Wells Fargo’s option, either in whole on a specified date in January 2029, or in whole or in part on or after a specified date in December 2029, at 100% of principal plus accrued interest, subject to any required regulatory approval. Wells Fargo Securities, LLC, an affiliate of the company, will act as the calculation agent and sole bookrunning agent. The notes will not be listed on any securities exchange and are not intended to be offered or sold to retail investors in the United Kingdom, reflecting specific UK sales and distribution restrictions.
Wells Fargo & Company filed a report highlighting that it has released its financial results for the quarter ended December 31, 2025. The company issued a news release and a 4Q25 Quarterly Supplement, both providing details on its results of operations and financial condition, and made these materials available on its website.
The company also plans to host a live conference call and webcast to discuss its fourth quarter 2025 financial results and related matters, supported by presentation materials posted online. These materials, together with the earnings release and supplement, are included as exhibits to the report, giving investors multiple ways to review and follow the quarter’s performance.
Wells Fargo & Company director Ronald Sargent reported changes in his ownership of the bank’s securities. On 01/01/2026, he acquired 429.1845 Phantom Stock Units, each representing the right to receive one share of Wells Fargo common stock as part of deferred compensation, payable in a lump sum or installments based on his election. The filing also shows a disposition of 81 shares of Wells Fargo common stock.
After these transactions, Sargent beneficially owned 18,050 shares of common stock indirectly through a revocable trust and 69,351.5238 Phantom Stock Units directly, which include dividend equivalents that have been reinvested in additional Phantom Stock Units.
Wells Fargo & Company director reports additional stock-based compensation. Director Wayne M. Hewett acquired 181.0622 phantom stock units tied to Wells Fargo common stock on 01/01/2026. The units are shown with a derivative security price of $93.2 and are held as deferred compensation, payable in a lump sum or installments based on the director’s election.
Each phantom stock unit represents the right to receive one share of Wells Fargo common stock, and the total direct beneficial ownership after this transaction is 40,707.6522 phantom stock units. This total includes dividend equivalents that were reinvested into additional phantom stock units over time.
Wells Fargo & Company director Steven D. Black reported routine changes in his equity-linked holdings. On 01/01/2026, he acquired 965.6653 Phantom Stock Units, each representing the right to receive one share of Wells Fargo common stock. The units are tied to deferred compensation that can be paid in a lump sum or installments based on the director’s election, and the holding total now stands at 55,250.0604 Phantom Stock Units. The filing notes that his common stock position includes shares acquired through a dividend reinvestment program, reflecting ongoing automatic reinvestment rather than open‑market trading.