<SEC-DOCUMENT>0001387131-20-000912.txt : 20200203
<SEC-HEADER>0001387131-20-000912.hdr.sgml : 20200203
<ACCEPTANCE-DATETIME>20200203170054
ACCESSION NUMBER: 0001387131-20-000912
CONFORMED SUBMISSION TYPE: FWP
PUBLIC DOCUMENT COUNT: 4
FILED AS OF DATE: 20200203
DATE AS OF CHANGE: 20200203
SUBJECT COMPANY:
COMPANY DATA:
COMPANY CONFORMED NAME: WELLS FARGO & COMPANY/MN
CENTRAL INDEX KEY: 0000072971
STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021]
IRS NUMBER: 410449260
STATE OF INCORPORATION: DE
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: FWP
SEC ACT: 1934 Act
SEC FILE NUMBER: 333-221324
FILM NUMBER: 20569415
BUSINESS ADDRESS:
STREET 1: 420 MONTGOMERY STREET
CITY: SAN FRANCISCO
STATE: CA
ZIP: 94163
BUSINESS PHONE: 6126671234
MAIL ADDRESS:
STREET 1: 420 MONTGOMERY STREET
CITY: SAN FRANCISCO
STATE: CA
ZIP: 94163
FORMER COMPANY:
FORMER CONFORMED NAME: WELLS FARGO & CO/MN
DATE OF NAME CHANGE: 19981103
FORMER COMPANY:
FORMER CONFORMED NAME: NORWEST CORP
DATE OF NAME CHANGE: 19920703
FORMER COMPANY:
FORMER CONFORMED NAME: NORTHWEST BANCORPORATION
DATE OF NAME CHANGE: 19830516
FILED BY:
COMPANY DATA:
COMPANY CONFORMED NAME: WELLS FARGO & COMPANY/MN
CENTRAL INDEX KEY: 0000072971
STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021]
IRS NUMBER: 410449260
STATE OF INCORPORATION: DE
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: FWP
BUSINESS ADDRESS:
STREET 1: 420 MONTGOMERY STREET
CITY: SAN FRANCISCO
STATE: CA
ZIP: 94163
BUSINESS PHONE: 6126671234
MAIL ADDRESS:
STREET 1: 420 MONTGOMERY STREET
CITY: SAN FRANCISCO
STATE: CA
ZIP: 94163
FORMER COMPANY:
FORMER CONFORMED NAME: WELLS FARGO & CO/MN
DATE OF NAME CHANGE: 19981103
FORMER COMPANY:
FORMER CONFORMED NAME: NORWEST CORP
DATE OF NAME CHANGE: 19920703
FORMER COMPANY:
FORMER CONFORMED NAME: NORTHWEST BANCORPORATION
DATE OF NAME CHANGE: 19830516
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>wfcr2074-fwp_020320.htm
<DESCRIPTION>TERM SHEET TO PRELIMINARY PRICING SUPPLEMENT NO. 304
<TEXT>
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<p style="font: 9pt Georgia, Times, Serif; margin: 0; color: #8F8F8F"><font style="font-size: 9pt"></font></p>
<!-- Field: Rule-Page --><div style="margin-top: 0; margin-bottom: 0; width: 100%"><div style="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid"> </div></div><!-- Field: /Rule-Page -->
<p style="font: 9pt Georgia, Times, Serif; margin: 0; color: #8F8F8F"><font style="font-size: 9pt"> </font></p>
<p style="font: 10pt Georgia, Times, Serif; margin: 0 0 0 0.5in; text-align: right; background-color: white; color: #212121"><B>Filed
Pursuant to Rule 433</b></p>
<p style="font: 10pt Georgia, Times, Serif; margin: 0 0 0 0.5in; text-align: right; background-color: white"><b>Registration Nos.
333-221324 and 333-221324-01</b></p>
<p style="font: 9pt Georgia, Times, Serif; margin: 0; color: #8F8F8F"><font style="font-size: 9pt"> </FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
<TD STYLE="width: 80%">
<P STYLE="color: #BB0826; font: 16pt Verdana, Helvetica, Sans-Serif; margin: 0 0 1pt"><FONT STYLE="font-size: 16pt"><B>Wells
Fargo Finance LLC</B></FONT></P>
<P STYLE="color: #BB0826; font: 12pt Verdana, Helvetica, Sans-Serif; margin: 0 0 1pt"><FONT STYLE="font-size: 12pt"><B><I>Fully
and Unconditionally Guaranteed by Wells Fargo & Company</I></B></FONT></P>
<P STYLE="color: #BB0826; font: 12pt Verdana, Helvetica, Sans-Serif; margin: 0 0 1pt"><FONT STYLE="font-size: 12pt"><B>Market
Linked Securities</B></FONT></P></TD>
<TD STYLE="width: 20%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right"> <IMG SRC="wfcsec-logo.jpg" ALT=""></TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; margin-top: 8pt; margin-bottom: 5pt">
<TR STYLE="vertical-align: bottom; background-color: #8F8F8F">
<TD STYLE="width: 100%; padding: 5pt 5pt 6pt">
<P STYLE="color: white; font: 12pt Verdana, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 12pt">Market Linked
Securities—Contingent Fixed Return and Fixed Percentage Buffered Downside Principal at Risk Securities Linked to
the S&P 500<B><SUP>®</SUP></B> Index due March 6, 2024</FONT></P>
<P STYLE="color: white; font: 10pt Verdana, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 10pt">Term Sheet
to Preliminary Pricing Supplement No. 304 dated February 3, 2020</FONT></P></TD></TR>
</TABLE>
<DIV STYLE="POSITION:RELATIVE;FLOAT:LEFT;WIDTH:40%">
<P STYLE="font: 13pt Verdana, Helvetica, Sans-Serif; margin: 0 0 4pt 4.5pt; color: #8F8F8F"><FONT STYLE="font-size: 13pt">Summary
of Terms</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 31%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Issuer:</FONT></TD>
<TD STYLE="width: 69%; border: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-size: 8pt">Wells
Fargo Finance LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Guarantor:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">Wells
Fargo & Company</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Term:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">Approximately
4 years</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Market
Measure:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">S&P
500<SUP>®</SUP> Index (the “<U>Index</U>”)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Pricing
Date:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">February
28, 2020*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Issue
Date:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">March
6, 2020*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Original
Offering Price:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">$1,000
per security (100% of par)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Maturity
Payment Amount:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">See
“How the maturity payment amount is calculated” on page 3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Stated
Maturity Date:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">March
6, 2024*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Starting
Level:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">The
closing level of the Index on the pricing date</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Ending
Level:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">The
closing level of the Index on the calculation day</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Threshold
Level:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">90%
of the starting level</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Contingent
Fixed Return:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">23%
to 27% of the original offering price per security ($230 to $270 per security), to be determined on the pricing date</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Calculation
Day:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">February
28, 2024*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Calculation
Agent:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">Wells
Fargo Securities, LLC (“<U>WFS</U>”), an affiliate of the issuer and the guarantor </FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Denominations:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">$1,000
and any integral multiple of $1,000</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">Agent
Discount:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">2.325%;
dealers, including those using the trade name Wells Fargo Advisors (“<U>WFA</U>”), may receive a selling concession
of up to 2.25% and WFS will pay 0.075% of the agent’s discount to WFA as a distribution expense fee</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5pt; padding-left: 5pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 8pt">CUSIP:</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Georgia, Times, Serif; padding-right: 5pt; padding-left: 5pt; border-right: Black 1pt solid"><FONT STYLE="font-size: 8pt">95001HEJ6</FONT></TD></TR>
</TABLE>
</DIV>
<DIV STYLE="POSITION:RELATIVE;FLOAT:RIGHT;WIDTH:59%">
<P STYLE="font: 13pt Verdana, Helvetica, Sans-Serif; margin: 2pt 0 6pt 4.3pt; color: #8F8F8F"><FONT STYLE="font-size: 13pt">Description
of Terms</FONT></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 9pt; text-align: center; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt">Linked
to the S&P 500<SUP>®</SUP> Index</FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 2pt; margin-bottom: 2pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 9pt; text-align: left; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt">Unlike
ordinary debt securities, the securities do not pay interest or repay a fixed amount
of principal at maturity. Instead, the securities provide for a maturity payment amount
that may be greater than, equal to or less than the original offering price of the securities,
depending on the performance of the Index from its starting level to its ending level.
The maturity payment amount will reflect the following terms:</FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 2pt; margin-bottom: 2pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 9pt; text-align: left; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>If
the level of the Index increases (regardless of the extent of that increase) or stays
the same: </B></FONT></TD></TR></TABLE>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 2pt 0 2pt 31.5pt; text-indent: 0pt"><FONT STYLE="font-size: 9pt">You will receive
the original offering price plus a contingent fixed return of 23% to 27% (to be determined on the pricing date) of the original
offering price.</FONT></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 2pt; margin-bottom: 2pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 9pt; text-align: left; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>If
the level of the Index decreases but the decrease is not more than 10%:</B></FONT></TD></TR></TABLE>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 2pt 0 2pt 31.5pt; text-indent: 0pt"><FONT STYLE="font-size: 9pt">You will be
repaid the original offering price</FONT></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 2pt; margin-bottom: 2pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 9pt; text-align: left; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>If
the level of the Index decreases by more than 10%:</B></FONT></TD></TR></TABLE>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 2pt 0 2pt 31.5pt; text-indent: 0pt"><FONT STYLE="font-size: 9pt">You will receive
less than the original offering price and have 1-to-1 downside exposure to the decrease in the level of the Index in excess of
10%</FONT></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 2pt; margin-bottom: 2pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 9pt; text-align: left; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt">Investors
may lose up to 90% of the original offering price</FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 2pt; margin-bottom: 2pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 9pt; text-align: left; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt">Any
positive return on the securities at maturity will be limited to the contingent fixed
return, even if the ending level significantly exceeds the starting level; you will not
participate in any appreciation of the Index beyond the contingent fixed return</FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 2pt; margin-bottom: 2pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 9pt; text-align: left; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt">All
payments on the securities are subject to credit risk, and you will have no ability to
pursue any securities included in the Index for payment; if Wells Fargo Finance LLC,
as issuer, and Wells Fargo & Company, as guarantor, default on their obligations,
you could lose some or all of your investment</FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 2pt; margin-bottom: 2pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 9pt; text-align: left; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt">No
periodic interest payments or dividends</FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 2pt; margin-bottom: 2pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 9pt; text-align: left; vertical-align: top"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="padding-top: 2pt"><FONT STYLE="font-family: Georgia,serif; font-size: 9pt">No exchange listing; designed to be held to maturity</FONT></TD></TR></TABLE>
</DIV>
<BR CLEAR="ALL"><BR>
<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0; margin-bottom: 5pt"><DIV STYLE="font-size: 1pt; border-top: rgb(119,120,123) 1pt solid; width: 100%"> </DIV></DIV><!-- Field: /Rule-Page -->
<P STYLE="font: 7pt Georgia, Times, Serif; margin: 0"><FONT STYLE="font-size: 8pt">*To the extent that the issuer makes any change
to the expected pricing date or expected issue date, the calculation day and stated maturity date may also be changed in the issuer’s
discretion to ensure that the term of the securities remains the same.</FONT></P>
<P STYLE="font: 8pt Georgia, Times, Serif; margin: 0 0 10pt; color: #8F8F8F"><FONT STYLE="font-size: 8pt">The current estimated
value of the securities is approximately $955.69 per security. While the estimated value of the securities at pricing may differ
from the estimated value set forth above, the issuer does not expect it to differ significantly absent a material change in market
conditions or other relevant factors. In no event will the estimated value of the securities on the pricing date be less than
$935.69 per security. The estimated value of the securities was determined for the issuer by Wells Fargo Securities, LLC using
its proprietary pricing models. It is not an indication of actual profit to the issuer or to Wells Fargo Securities, LLC or any
of the issuer’s other affiliates, nor is it an indication of the price, if any, at which Wells Fargo Securities, LLC or
any other person may be willing to buy the securities from you at any time after issuance. See “Estimated Value of the Securities”
in the accompanying preliminary pricing supplement.</FONT></P>
<P STYLE="font: 10pt Georgia, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>The securities have complex features
and investing in the securities involves risks not associated with an investment in conventional debt securities. See “Selected
Risk Considerations” in this term sheet and “Risk Factors” in the accompanying preliminary pricing supplement.</B></FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 10pt; text-align: justify; color: #BB0826"><FONT STYLE="font-size: 9pt"><B>This
introductory term sheet does not provide all of the information that an investor should consider prior to making an investment
decision. </B></FONT></P>
<P STYLE="color: #8F8F8F; font: bold 8pt Georgia, Times, Serif; margin: 0"><FONT STYLE="font-size: 8pt">Investors should carefully
review the accompanying preliminary pricing supplement, market measure supplement, prospectus supplement and prospectus before
making a decision to invest in the securities.</FONT></P>
<P STYLE="font: bold 8pt Georgia, Times, Serif; margin: 3pt 0 0"><FONT STYLE="font-size: 8pt">NOT A BANK DEPOSIT AND NOT INSURED OR
GUARANTEED BY THE FDIC OR ANY OTHER GOVERNMENTAL AGENCY</FONT></P>
<!-- Field: Page; Sequence: 1 -->
<DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font-size: 10pt"> </P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt"><P STYLE="margin: 0pt"> </P></DIV>
<!-- Field: /Page -->
<DIV STYLE="POSITION:RELATIVE;FLOAT:LEFT;WIDTH:35%">
<P STYLE="font: 14pt Georgia, Times, Serif; margin: 0 0 10pt; color: #7F7F7F"><FONT STYLE="font-size: 14pt">Hypothetical Payout
Profile</FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 8pt; color: #8F8F8F">The profile to the right is based on a hypothetical
contingent fixed return of 25.00% or $250.00 per $1,000 security (the midpoint of the specified range for the contingent fixed
return) and a threshold level equal to 90% of the starting level.</P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 3pt; color: #8F8F8F">This graph has been prepared for purposes of illustration
only. Your actual return will depend on the actual ending level, the actual contingent fixed return, and whether you hold your
securities to maturity.</P>
</DIV>
<DIV STYLE="POSITION:RELATIVE;FLOAT:RIGHT;WIDTH:64%">
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 3pt; color: #8F8F8F"> </P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 3pt; color: #8F8F8F"> </P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 3pt; color: #8F8F8F"><IMG SRC="wfc-424b2_img001.jpg" ALT=""> </P>
</DIV>
<BR CLEAR="ALL"><BR>
<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0; margin-bottom: 5pt"><DIV STYLE="font-size: 1pt; border-top: rgb(119,120,123) 1pt solid; width: 100%"> </DIV></DIV><!-- Field: /Rule-Page -->
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 5pt 0 3pt; color: #8F8F8F"><FONT STYLE="font-size: 14pt">Hypothetical Returns</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 90%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse; margin-top: 8pt">
<TR STYLE="text-align: center; vertical-align: bottom">
<TD STYLE="white-space: nowrap; width: 15%; border-bottom: #688FCF 1pt solid; padding-bottom: 0"><P STYLE="font: 9pt Verdana, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 9pt"><B>Hypothetical</B><BR>
<B>ending level</B></FONT></P></TD>
<TD STYLE="width: 31%; border-bottom: #688FCF 1pt solid; border-left: White 1pt solid; padding-bottom: 0; border-right: White 1pt solid"><P STYLE="font: 9pt Verdana, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 9pt"><B>Hypothetical</B><BR>
<B>percentage change</B><BR>
<B>from the hypothetical</B><BR>
<B>starting level to the</B><BR>
<B>hypothetical ending level</B></FONT></P></TD>
<TD STYLE="width: 27%; border-bottom: #688FCF 1pt solid; padding-bottom: 0; border-right: White 1pt solid"><P STYLE="font: 9pt Verdana, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 9pt"><B>Hypothetical</B><BR>
<B>maturity payment <BR>
amount</B><BR>
<B>payable at</B><BR>
<B>stated maturity</B><BR>
<B>per security</B></FONT></P></TD>
<TD STYLE="width: 20%; border-bottom: #688FCF 1pt solid; padding-bottom: 0"><P STYLE="font: 9pt Verdana, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 9pt"><B>Hypothetical</B><BR>
<B>pre-tax total</B><BR>
<B>rate of return</B></FONT></P></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">175.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">75.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$1,250.00
</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">25.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">150.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">50.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$1,250.00
</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">25.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">140.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">40.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$1,250.00
</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">25.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">120.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">20.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$1,250.00
</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">25.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">110.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">10.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$1,250.00
</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">25.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">105.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">5.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$1,250.00
</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">25.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">100.00<SUP>(1)</SUP></FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">0.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$1,250.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">25.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">95.00</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-5.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$1,000.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">0.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">90.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-10.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$1,000.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">0.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">89.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-11.00%</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$990.00</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-1.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">80.00</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-20.00%</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$900.00
</FONT></TD>
<TD STYLE="vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-10.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">75.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-25.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$850.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-15.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">60.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-40.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$700.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-30.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">50.00</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-50.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$600.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-40.00%</FONT></TD></TR>
<TR STYLE="background-color: #E0E3E2">
<TD STYLE="border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">25.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; border-left: White 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-75.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center; border-right: White 1pt solid"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">$350.00
</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9pt">-65.00%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 6pt 0 0.1in; color: gray"><FONT STYLE="font-size: 9pt">Assumes a hypothetical
contingent fixed return of 25.00%, or $250.00 per security (the midpoint of the specified range of the contingent fixed return).
Each security has an original offering price of $1,000.</FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 3pt 0 0.1in; color: gray"><FONT STYLE="font-size: 9pt"><SUP>(1)</SUP> The hypothetical
starting level of 100.00 has been chosen for illustrative purposes only and does not represent the actual starting level. The
actual starting level will be determined on the pricing date and will be set forth under “Summary of Terms” above.
For historical data regarding the actual closing levels of the Index, see the historical information set forth under the section
titled “The S&P 500<SUP>®</SUP> Index” in the accompanying preliminary pricing supplement.</FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 3pt 0 0; color: gray"><FONT STYLE="font-size: 9pt">The above figures are
for purposes of illustration only and may have been rounded for ease of analysis. The actual amount you receive at stated maturity
and the resulting pre-tax rate of return will depend on the actual starting level, ending level and contingent fixed return.</FONT></P>
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<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"> </P></DIV>
<!-- Field: /Page -->
<P STYLE="font: 14pt Georgia, Times, Serif; margin: 0 0 8pt; color: #8F8F8F"><FONT STYLE="font-size: 14pt">How The Maturity Payment
Amount Is Calculated</FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 0.1in"><FONT STYLE="font-size: 9pt">On the stated maturity date, you will
receive a cash payment per security equal to the maturity payment amount. The maturity payment amount per security will equal:</FONT></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 0.1in"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt">If
the ending level is greater than or equal to the starting level: $1,000 <I>plus </I>the
contingent fixed return;</FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 0.1in"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt">If
the ending level is less than the starting level, but greater than or equal to the threshold
level: $1,000; or </FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 0.1in"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt">If
the ending level is less than the threshold level: $1,000 <I>minus</I></FONT></TD></TR></TABLE>
<P STYLE="font: 9pt Georgia, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><FONT STYLE="font-size: 9pt"><IMG SRC="wfc-424b2_img002.jpg" ALT=""> </FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 9pt 0 0.1in"><FONT STYLE="font-size: 9pt"><B>If the ending level is less than
the threshold level, you will receive less, and possibly 90% less, than the original offering price of your securities at maturity.</B></FONT></P>
<P STYLE="font: 14pt Georgia, Times, Serif; margin: 3pt 0 0.1in; color: #8F8F8F"><FONT STYLE="font-size: 9pt">Selected Risk Considerations</FONT></P>
<P STYLE="font: 9.5pt Georgia, Times, Serif; margin: 1pt 0; text-align: justify"><FONT STYLE="font-size: 9pt">The risks set forth
below are discussed in detail in the “Risk Factors” section in the accompanying preliminary pricing supplement. Please
review those risk disclosures carefully.</FONT></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>If
The Ending Level Is Less Than The Threshold Level, You Will Receive Less, And Possibly
90% Less, Than The Original Offering Price Of Your Securities At Maturity.</B></FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>No
Periodic Interest Will Be Paid On The Securities.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Potential Return On The Securities Is Limited To The Contingent Fixed Return.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Securities Are Subject To Credit Risk.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt; background-color: white"><B>As
A Finance Subsidiary, The Issuer Has No Independent Operations And Will Have No Independent
Assets.</B></FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>Holders
Of The Securities Have Limited Rights Of Acceleration.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt; background-color: white"><B>Holders
Of The Securities Could Be At Greater Risk For Being Structurally Subordinated If Either The Issuer Or The Guarantor Conveys,
Transfers Or Leases All Or Substantially All Of The Issuer’s Or The Guarantor’s Assets To One Or More Of The Guarantor’s
Subsidiaries.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Securities Will Not Have The Benefit Of Any Cross-Default Or Cross-Acceleration With
Other Indebtedness Of The Guarantor; Events Of Bankruptcy, Insolvency, Receivership Or
Liquidation Relating To The Guarantor And Failure By The Guarantor To Perform Any Of
Its Covenants Or Warranties (Other Than A Payment Default Under The Guarantee) Will Not
Constitute An Event Of Default With Respect To The Securities.</B></FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Estimated Value Of The Securities On The Pricing Date, Based On Wells Fargo Securities, LLC’s Proprietary Pricing Models,
Will Be Less Than The Original Offering Price.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Estimated Value Of The Securities Is Determined By The Issuer’s Affiliate’s Pricing Models, Which May Differ From
Those Of Other Dealers.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Estimated Value Of The Securities Is Not An Indication Of The Price, If Any, At Which Wells Fargo Securities, LLC Or Any Other
Person May Be Willing To Buy The Securities From You In The Secondary Market.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Value Of The Securities Prior To Stated Maturity Will Be Affected By Numerous Factors, Some Of Which Are Related In Complex Ways.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Securities Will Not Be Listed On Any Securities Exchange And The Issuer Does Not Expect A Trading Market For The Securities To
Develop.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>Historical
Levels Of The Index Should Not Be Taken As An Indication Of The Future Performance Of The Index During The Term Of The Securities.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>Changes
That Affect The Index May Adversely Affect The Value Of The Securities And The Maturity Payment Amount You Will Receive At Maturity.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Issuer Cannot Control Actions By Any Of The Unaffiliated Companies Whose Securities Are Included In The Index.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Issuer And Its Affiliates Have No Affiliation With The Index Sponsor And Have Not Independently Verified Its Public Disclosure
Of Information.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Stated Maturity Date May Be Postponed If The Calculation Day Is Postponed.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
Issuer’s And The Guarantor’s Economic Interests And Those Of Any Dealer Participating In The Offering Are Potentially
Adverse To Your Interests.</B></FONT></TD>
</TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><I>The
calculation agent is the Issuer’s affiliate and may be required to make discretionary
judgments that affect the return you receive on the securities.</I></FONT></TD></TR></TABLE>
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<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"> </P></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><I>The
estimated value of the securities was calculated by the Issuer’s affiliate and
is therefore not an independent third-party valuation.</I></FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><I>Research
reports by the Issuer’s affiliates or any participating dealer or its affiliates
may be inconsistent with an investment in the securities and may adversely affect the
level of the Index.</I></FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><I>Business
activities of the Issuer’s affiliates or any participating dealer or its affiliates
with the companies whose securities are included in the Index may adversely affect the
level of the Index.</I></FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><I>Hedging
activities by the Issuer’s affiliates or any participating dealer or its affiliates
may adversely affect the level of the Index.</I></FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><I>Trading
activities by the Issuer’s affiliates or any participating dealer or its affiliates
may adversely affect the level of the Index.</I></FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT></TD><TD><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><I>A
participating dealer or its affiliates may realize hedging profits projected by its proprietary
pricing models in addition to any selling concession and/or distribution expense fee,
creating a further incentive for the participating dealer to sell the securities to you.</I></FONT></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-size: 12pt">•</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Georgia, Times, Serif; font-size: 9pt"><B>The
U.S. Federal Tax Consequences Of An Investment In The Securities Are Unclear.</B></FONT></TD>
</TR></TABLE>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 10pt 0 0; color: #8F8F8F"><FONT STYLE="font-size: 9pt"><B><U>Not suitable for
all investors</U></B></FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 10pt; color: #8F8F8F"><FONT STYLE="font-size: 9pt"><B>Investment suitability
must be determined individually for each investor. The securities described herein are not a suitable investment for all investors.
In particular, no investor should purchase the securities unless they understand and are able to bear the associated market, liquidity
and yield risks. Unless market conditions and other relevant factors change significantly in your favor, a sale of the securities
prior to maturity is likely to result in sale proceeds that are substantially less than the original offering price per security.
Wells Fargo Securities, LLC and its affiliates are not obligated to purchase the securities from you at any time prior to maturity.
</B></FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 10pt; color: #8F8F8F"><FONT STYLE="font-size: 9pt">The issuer and the guarantor
have filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates.
Before you invest, you should read the prospectus in that registration statement and other documents that the issuer and the guarantor
have filed with the SEC for more complete information about the issuer, the guarantor and this offering. You may get these documents
for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the issuer,
the guarantor, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request
it by calling your financial advisor or by calling Wells Fargo Securities at 866-346-7732.</FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0; color: #8F8F8F"><FONT STYLE="font-size: 9pt"><B><U>Not a research
report</U></B></FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 10pt; color: #8F8F8F"><FONT STYLE="font-size: 9pt">This material was prepared
by Wells Fargo Securities, LLC, a registered broker-dealer and separate non-bank affiliate of Wells Fargo Finance LLC and Wells
Fargo & Company. This material is not a product of Wells Fargo Finance LLC, Wells Fargo & Company or Wells Fargo Securities,
LLC research departments.</FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0; color: #8F8F8F"><FONT STYLE="font-size: 9pt"><B><U>Consult your tax
advisor</U></B></FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 10pt; color: #8F8F8F"><FONT STYLE="font-size: 9pt">Investors should review
carefully the accompanying preliminary pricing supplement, market measure supplement, prospectus supplement and prospectus and
consult their tax advisors regarding the application of the U.S. federal tax laws to their particular circumstances, as well as
any tax consequences arising under the laws of any state, local or non-U.S. jurisdiction.</FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0 0 10pt; color: #8F8F8F"><FONT STYLE="font-size: 9pt">The S&P 500<SUP>®
</SUP>Index is a product of S&P Dow Jones Indices LLC (“<U>SPDJI</U>”), and has been licensed to Wells Fargo &
Company (“<U>WFC</U>”), the issuer’s parent company, for use by WFC and certain of its affiliated or subsidiary
companies (including the issuer). Standard & Poor’s<SUP>®</SUP>, S&P<SUP>®</SUP> and S&P 500<SUP>®
</SUP>are registered trademarks of Standard & Poor’s Financial Services LLC (“<U>S&P</U>”); Dow Jones<SUP>®
</SUP>is a registered trademark of Dow Jones Trademark Holdings LLC (“<U>Dow Jones</U>”); and these trademarks have
been licensed for use by SPDJI and sublicensed for certain purposes by WFC. The securities are not sponsored, endorsed, sold or
promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding
the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of
the S&P 500<SUP>®</SUP> Index.</FONT></P>
<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0; color: #8F8F8F"><FONT STYLE="font-size: 9pt">Wells Fargo Advisors
is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, members SIPC, separate
registered broker-dealers and non-bank affiliates of Wells Fargo Finance LLC and Wells Fargo & Company.</font></p>
<p style="font: 9pt Georgia, Times, Serif; margin: 0; color: #8F8F8F"><font style="font-size: 9pt"> </FONT></P>
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