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 * Wells Fargo Bank, N.A. Bilt World Elite Mastercard® Credit Card Privacy
   Notice


WELLS FARGO BANK, N.A. BILT WORLD ELITE MASTERCARD® CREDIT CARD PRIVACY NOTICE


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WELLS FARGO BANK, N.A. BILT WORLD ELITE MASTERCARD® CREDIT CARD PRIVACY NOTICE



Rev. 10/2021

FACTS


WHAT DOES WELLS FARGO BANK, N.A.
DO WITH YOUR PERSONAL INFORMATION?



--------------------------------------------------------------------------------

Why?

Financial companies choose how they share your personal information. Federal law
gives consumers the right to limit some but not all sharing. Federal law also
requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or
service you have with us. This information can include:

 * Social Security number and employment information
 * account balances and transaction history
 * credit history and investment experience

How?

All financial companies need to share customers’ personal information to run
their everyday business. In the section below, we list the reasons financial
companies can share their customers’ personal information; the reasons Wells
Fargo chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Wells Fargo share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions,
maintain your account(s), respond to court orders and legal investigations, or
report to credit bureaus

Yes

No

For our marketing purposes — with service providers we use to offer our products
and services to you (please see below to limit the ways in which we contact you)

Yes

No

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes — information about your
transactions and experiences

Yes

No

For our affiliates’ everyday business purposes — information about your
creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

Yes

Yes

For nonaffiliates everyday business purposes — related to calculating eligible
transactions in order to accrue or recognize rewards

Yes

No

To limit our sharing

 * Call 1-855-523-2674 — our menu will prompt you through your choices
 * Online banking customers - log on to a secure session at wellsfargo.com,
   select Security & Support menu -> Change Privacy Preferences.

Please note:  If you are a new customer, we can begin sharing your information
30 days from the date we sent this notice. When you are no longer our customer,
we can continue to share your information as described in this notice. 

However, you can contact us at any time to limit our sharing.

To limit direct marketing

 * To limit our direct marketing to you by mail or telephone, call
   1-855-523-2674 — our menu will prompt you through your choices
 * Online banking customers - log on to a secure session at wellsfargo.com,
   select Security & Support menu -> Change Privacy Preferences.

Please note: A Do Not Call election is effective for five years, or while you
are an active consumer customer, if longer than five years. The Do Not Mail
election is effective for three years. You may continue to receive marketing
information in regular account mailings and statements, when you visit us online
or at an ATM. You may also be contacted to service your account or participate
in surveys.

Questions?

Call 1-833-404-2272 or go to wellsfargo.com/privacy-security.

Who we are

Who is providing this notice?

Wells Fargo Bank, N.A. This notice applies to Bilt World Elite Mastercard Credit
Card accounts. Other Wells Fargo accounts are covered by a different privacy
notice received in connection with those accounts.

What we do

How does Wells Fargo protect my personal information?

To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings. For more information visit
wellsfargo.com/privacy-security.

How does Wells Fargo collect my personal information?

We collect your personal information, for example, when you:

 * open an account or provide employment information
 * apply for a loan or use your credit or debit card
 * give us your income information

We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

 * sharing for affiliates’ everyday business purposes — information about your
   creditworthiness
 * affiliates from using your information to market to you
 * sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit
sharing.

See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone
else?

 * If you limit sharing with affiliates, your choices will apply individually
   unless you tell us otherwise. Any account holder may express a privacy
   preference on behalf of the other joint account holders
 * If you limit sharing with nonaffiliates, your choices will apply to everyone
   on your account

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and
non-financial companies.

 * Our affiliates include financial companies with Wells Fargo in their name
   such as Wells Fargo Clearing Services, LLC

Nonaffiliates

Companies not related by common ownership or control. They can be financial and
non-financial companies.

 * Nonaffiliates we share with can include the retailer named on your account,
   its affiliates, and its service providers

Joint marketing

A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.

 * Wells Fargo doesn't jointly market

Other important information

Important Notice about Credit Reporting: We may report information about your
account(s) to credit bureaus and/or consumer reporting agencies. Late payments,
missed payments, or other defaults on your account(s) may be reflected in your
credit report and/or consumer report.

Do Not Call Policy. This Privacy Policy constitutes Wells Fargo’s Do Not Call
Policy under the Telephone Consumer Protection Act for all consumers. Wells
Fargo maintains an internal Do Not Call preference list. Do Not Call requests
will be honored within 30 days and will be effective for at least five years
from the date of request. No telemarketing calls will be made to residential or
cellular phone numbers that appear on the Wells Fargo Do Not Call list.

Nevada residents: We are providing you this notice pursuant to state law. You
may be placed on our internal Do Not Call List by following the directions in
the To limit direct marketing section. For more information contact us at
1-800-869-3557; nevadanoticeinfo@wellsfargo.com, or Wells Fargo, P.O. Box 5110,
Sioux Falls, SD 57117-5110. Or contact the Bureau of Consumer Protection, Office
of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV
89101; 702-486-3132; AgInfo@ag.nv.gov

State Law: We follow state law if state law provides you with additional privacy
protections. For example, we automatically treat customers with a Vermont
mailing address as having limited our sharing with affiliates and nonaffiliates,
unless you give us authorization for such sharing.

© 2021 Wells Fargo & Company. LS 9672 M-134535 (Rev 01 – 10/21)




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