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Wells Fargo & Company filed Pricing Supplement No. 452 (Form 424B2) on 26 June 2025 for a small $12.088 million issuance of Medium-Term Notes, Series T. The senior unsecured notes carry a fixed coupon of 5.35% per annum, paid semi-annually on 30 June and 30 December, beginning 30 December 2025. They mature on 30 June 2035 unless the issuer exercises its call option.
Call feature: Wells Fargo may redeem the entire issue at par plus accrued interest on any 30 June from 2027 through 2034, subject to 5-30 days� prior notice and any required regulatory approvals. The call structure allows the bank to refinance if market rates move lower, leaving reinvestment risk with investors.
Pricing & distribution: The public offering price is up to $1,000 per $1,000 face value; eligible institutional and fee-based advisory accounts may pay as little as $989. Wells Fargo Securities, LLC acts as agent, earning up to $11 per note, resulting in net proceeds of $11.958 million. The notes will not be listed on any exchange and are designed to be buy-and-hold instruments.
Risk highlights: investors assume Wells Fargo credit risk, face limited liquidity, and may receive lower-than-market yields if the notes are called. The 10-year tenor amplifies exposure to changing interest rates. The securities are not deposits or FDIC-insured and rank pari passu with other senior unsecured debt of the issuer.
Wells Fargo & Company (WFC) is offering $7.251 million of Medium-Term Notes, Series T, Fixed Rate Callable Notes due June 30, 2037. The securities are senior unsecured obligations and will pay a fixed coupon of 5.50% per annum, with interest remitted semi-annually every 30 June and 30 December, beginning 30 Dec 2025. Investors will receive $1,000 principal per note at maturity unless Wells Fargo exercises its call option.
Callable structure: Wells Fargo may redeem the notes in whole only at par plus accrued interest on any 30 June from 2027 through 2036, subject to at least 5�30 days� notice and any required regulatory approval. There is no holder put feature.
Key terms & distribution:
- Issue price: $1,000 per note (institutional/fee-based accounts may pay $987�$1,000).
- Agent discount: up to $13 per note; net proceeds to issuer total $7,160,803 after fees.
- CUSIP: 95001DL24; denominations of $1,000 and integral multiples thereof.
- Notes will not be listed on any exchange; intended for buy-and-hold investors.
Risk highlights disclosed: payments are subject to Wells Fargo’s credit risk; the issuer is more likely to call when prevailing rates fall below 5.50%, potentially forcing reinvestment at lower yields. Longer duration exposes holders to greater interest-rate volatility, and any secondary-market price is expected to be below the issue price due to dealer mark-ups, hedging costs, and liquidity considerations. The notes are not FDIC-insured.
Investors should review the accompanying prospectus supplement (dated 27 Apr 2023) and prospectus for full risk factors and structural details before purchasing.
Fernando Rivas, Sr. Executive Vice President of Wells Fargo, reported multiple securities transactions and holdings on June 28, 2025. Key changes include:
- Disposition of 46 Series U Preferred Shares on June 16, 2025, which were called for redemption by Wells Fargo at face value ($1,000)
- Current beneficial ownership of 44,454.1154 shares of Common Stock (Direct ownership)
- Indirect holdings through spouse include: - 39 Preferred Shares, Series BB - 100 Preferred Shares, Series EE
The filing indicates ongoing participation in a dividend reinvestment program, as reflected in the common stock holdings. The transaction was executed through Power of Attorney by Meghan Daly on behalf of Fernando Rivas.
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