Distribution and Inventory Finance US Privacy Notice

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 that you have with us. This information can include:

• Commercial credit application information, including, but not limited to, Social Security Number, date of birth, the driver’s license/state ID/passport information, and credit history of your owners, guarantors and key individuals, including but not limited to:   
  – Individuals who, directly or indirectly, through any contract, arrangement, understanding, relationship, or otherwise, own an equity interest in the business
  – Any executive officers or senior managers (e.g., Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Managing Member, General Partner, President, Vice President, Treasurer) or any other individual who regularly performs similar functions for the business
  – Individuals guaranteeing the business’ obligations to us
• Information contained in your financial statements, organizational documents and other business documentation
• Contact information, including the phone numbers and email addresses, belonging to you and individuals employed by or affiliated with you

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.

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

No

We don’t share

Call 1-800-553-8232 or e-mail uscomscaresupport@wellsfargo.com to inform us of the privacy preferences for your account.

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

Call 1-800-553-8232 or e-mail uscomscaresupport@wellsfargo.com to inform us of the privacy preferences for your account.

Please note: A Do Not Call election is effective for five years (or while you are an active customer, if longer). 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. You may also be contacted to service your account or participate in surveys.

The relationship manager or team may continue to contact you to assist you in managing your account relationship.

Questions?

Call 1-800-553-8232 or e-mail uscomscaresupport@wellsfargo.com.

Who is providing this notice?

Wells Fargo & Company and the following subsidiaries and affiliates: Wells Fargo Bank, N.A.; Wells Fargo Financial Leasing, Inc.; Wells Fargo Vendor Financial Services, LLC; Wells Fargo Equipment Finance, Inc.; Wells Fargo Capital Finance, LLC; Wells Fargo Commercial Distribution Finance, LLC; Brunswick Acceptance Company, LLC; Polaris Acceptance; and HYG Financial Services, Inc.

This notice applies to information collected in connection with accounts with online account management through Wells Fargo’s Customer Online Management System (COMS®) system. If your account is accessible through Commercial Electronic Office® (CEO®) and is offered by Distribution Finance, Channel Finance, Commercial Auto and Vendor Financial Services, this notice overrides any privacy notice provided in CEO^®.

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 www.wellsfargo.com/privacy-security.

How does Wells Fargo collect my personal information?

We may collect personal information, for example, when:

• The business applies for a floor plan credit facility through the Online Credit Application portal
• You create an online account using the Customer Online Management Systems (COMS^®)
• The business submits a credit application or otherwise contacts us for inventory financing services
• We collect personal information from others, such as credit bureaus or affiliates
• You provide us with periodic updates or certifications of certain business information at our request or due to changes to the business’ credit facility (for example, an increase to your line of credit)
• You seek advice about your investments

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
• Sharing for joint marketing with other financial companies

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

Affiliates

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

• Affiliates include, without limitation: Wells Fargo Bank, N.A.; Wells Fargo Financial Leasing, Inc.; Wells Fargo Vendor Financial Services, LLC; Wells Fargo Equipment Finance, Inc.; Wells Fargo Capital Finance, LLC; Wells Fargo Commercial Distribution Finance, LLC; Brunswick Acceptance Company, LLC; Polaris Acceptance; and HYG Financial Services, Inc.

Nonaffiliates

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

• Wells Fargo does not share with nonaffiliates so they can market to you.

Joint marketing

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

• Wells Fargo does not jointly market.

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 Notice 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 where state law provides you with additional privacy protections.

This privacy notice covers Wells Fargo & Company and the following subsidiaries and affiliates of Wells Fargo & Company offering commercial financing programs and services: Wells Fargo Bank, N.A.; Wells Fargo Financial Leasing, Inc.; Wells Fargo Vendor Financial Services, LLC; Wells Fargo Equipment Finance, Inc.; Wells Fargo Capital Finance, LLC; Wells Fargo Commercial Distribution Finance, LLC; Brunswick Acceptance Company, LLC; Polaris Acceptance; and HYG Financial Services, Inc.