What are the "Principal at Risk Securities Linked to the MSCI EAFE Index®"?

These are Medium-Term Notes issued by Wells Fargo. The "Principal at Risk" designation indicates that the repayment of the principal amount invested may be subject to loss depending on the performance of the MSCI EAFE Index, as well as other terms and conditions outlined in the note's prospectus. The MSCI EAFE Index tracks the performance of equity markets in developed countries in Europe, Australasia, and the Far East.

Why is Wells Fargo filing this 8-K?

Wells Fargo is filing this Form 8-K to publicly disclose the specifics of the Medium-Term Notes, Series K, Principal at Risk Securities. This includes providing the form of the Note itself and a legal opinion from Faegre Baker Daniels LLP, which are necessary components when registering securities for public offering, as indicated by the reference to their Form S-3 filing.

What should an investor consider before investing in these Notes?

Investors should thoroughly review the full prospectus for these Notes, paying close attention to the detailed terms and conditions, the specific formula for principal protection (if any), the methodology for calculating returns, and the associated risks. Key considerations include the potential for principal loss, the specific performance of the MSCI EAFE Index, any caps or limitations on returns, liquidity of the notes, and the creditworthiness of Wells Fargo.

Is this filing related to a new public offering of common stock?

No, this filing is not related to an offering of common stock. It specifically concerns the issuance of a new series of debt securities, described as 'Medium-Term Notes, Series K, Principal at Risk Securities Linked to the MSCI EAFE Index®', which are structured financial products tied to an index.

WELLS FARGO & COMPANY/MN 8-K SEC Disclosure

Summary

This Form 8-K filing from Wells Fargo & Company (WFC) on November 2, 2015, primarily serves to disclose the issuance of new financial instruments: Medium-Term Notes, Series K, Principal at Risk Securities Linked to the MSCI EAFE Index® (the "Notes"). The filing includes the form of these Notes and a legal opinion from Faegre Baker Daniels LLP regarding them, which are filed as exhibits to support a previously submitted Registration Statement on Form S-3. For investors, this filing indicates that Wells Fargo is actively engaging in capital markets activities by offering structured notes. These "Principal at Risk" securities suggest a principal protection feature that is conditional, likely tied to the performance of the underlying MSCI EAFE Index. Investors considering such instruments should carefully review the specific terms and risks associated with principal protection and index-linked returns as detailed in the Note prospectus.

Key Highlights

1Wells Fargo & Company issued new financial instruments: Medium-Term Notes, Series K, Principal at Risk Securities Linked to the MSCI EAFE Index®.
2The filing's primary purpose is to provide the form of the Notes and a legal opinion as exhibits.
3These Notes are linked to the performance of the MSCI EAFE Index.
4The securities are categorized as 'Principal at Risk', suggesting potential for principal loss depending on market conditions.
5The issuance is related to a previously filed Registration Statement on Form S-3 (File No. 333-202840).
6A legal opinion from Faegre Baker Daniels LLP regarding the Notes is included.

WELLS FARGO & COMPANY/MN 8-K Report, Exhibit Filing (Nov 2, 2015)

Summary

Key Highlights

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