Document:

Wells Fargo & Company 8-K

 

Exhibit 4.3

 

[Face
of Note]

 

Unless
this certificate is presented by an authorized representative of The Depository Trust Company, a New York corporation (“DTC”),
to the Company or its agent for registration of transfer, exchange or payment, and any certificate issued is registered in the
name of Cede & Co. or in such other name as requested by an authorized representative of DTC (and any payment is made to Cede
& Co. or such other entity as is requested by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF
FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof, Cede & Co., has an interest
herein.

	CUSIP
NO. 95001D2Y5	PRINCIPAL AMOUNT:   $_____________

REGISTERED
NO. __

 

 

WELLS
FARGO & COMPANY

 

MEDIUM-TERM
NOTE, SERIES T

 

Due
Nine Months or More From Date of Issue

 

Notes
due October 1, 2021

 

WELLS
FARGO & COMPANY, a corporation duly organized and existing under the laws of the State of Delaware (hereinafter called the
“Company,” which term includes any successor corporation under the Indenture hereinafter referred to), for
value received, hereby promises to pay to CEDE & Co., or registered assigns, the principal sum of _____________________
DOLLARS ($________) on October 1, 2021 (the “Stated Maturity Date”)
and to pay interest thereon from October 1, 2018 or from the most recent Interest Payment
Date to which interest has been paid or duly provided for semi-annually on each April 1 and October 1, commencing April
1, 2019, and at Maturity (each, an “Interest Payment Date”), at the rate
per annum specified below until the principal hereof is paid or made available for payment. The interest so payable, and punctually
paid or duly provided for, on any Interest Payment Date will, as provided in the Indenture, be paid to the Person in whose name
this Security (or one or more Predecessor Securities) is registered at the close of business on the Regular Record Date for such
interest next preceding such Interest Payment Date. The Regular Record Date for an Interest Payment Date shall be one Business
Day prior to such Interest Payment Date. If an Interest Payment Date is not a Business Day, interest on this Security shall be
payable on the next day that is a Business Day, with the same force and effect as if made on such Interest Payment Date, and without
any interest or other payment with respect to the delay. “Business Day” shall mean a day, other than a Saturday
or Sunday, that is neither a legal holiday nor a day on which banking institutions are authorized or required by law or regulation
to close in New York, New York.

 

Except
as described below for the first Interest Period, on each Interest Payment Date, interest will be paid for the period commencing
on and including the immediately preceding Interest Payment Date and ending on and including the day immediately preceding that
Interest Payment Date. This period is referred to as an “Interest Period.” The first Interest Period will

    	 	 	 

    	 

    

commence
on and include October 1, 2018 and end on and include March 31, 2019. Interest on this Security will be computed on the basis
of a 360-day year of twelve 30-day months.

 

The
interest rate on this Security that will apply during an Interest Period will be as follows:

 

	Commencing
        October 1, 2018 and 

        ending
        September 30, 2020 
	 	 

        3.25%
        per annum

	Commencing
        October 1, 2020 and 

        ending
        September 30, 2021 
	 	 

        3.75%
        per annum

Any
interest not punctually paid or duly provided for will forthwith cease to be payable to the Holder on such Regular Record Date
and may either be paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the
close of business on a Special Record Date for the payment of such Defaulted Interest to be fixed by the Trustee, notice whereof
shall be given to Holders of Securities of this series not less than 10 days prior to such Special Record Date, or be paid
at any time in any other lawful manner not inconsistent with the requirements of any securities exchange on which the Securities
of this series may be listed, and upon such notice as may be required by such exchange, all as more fully provided in the Indenture.

Payment
of interest on this Security will be made in immediately available funds at the office or agency of the Company maintained for
that purpose in the City of Minneapolis, Minnesota in such coin or currency of the United States of America as at the time of
payment is legal tender for payment of public and private debts; provided, however, that, at the option of the Company, payment
of interest may be paid by check mailed to the Person entitled thereto at such Person’s last address as it appears in the
Security Register or by wire transfer to such account as may have been designated by such Person. Payment of principal of and
interest on this Security at Maturity will be made against presentation of this Security at the office or agency of the Company
maintained for that purpose in the City of Minneapolis, Minnesota. Notwithstanding the foregoing, for so long as this Security
is a Global Security registered in the name of the Depositary, payments of principal and interest on this Security will be made
to the Depositary by wire transfer of immediately available funds.

This
Security is redeemable at the option of the Company, in whole but not in part, on any Optional Redemption Date at a Redemption
Price equal to 100% of the principal amount of this Security to be redeemed, plus any accrued but unpaid interest to, but excluding,
the Redemption Date. The “Optional Redemption Dates” are quarterly on the 1st day of each January,
April, July and October, commencing October 1, 2020 and ending July 1, 2021. Notice of any redemption will be mailed at least
5 but not more than 30 days before the applicable Redemption Date to the Holder hereof. Unless the Company defaults in the payment
of the Redemption Price, on or after the Redemption Date, interest will cease to accrue on this Security or the portion hereof
called for redemption.

This
Security is not subject to repayment at the option of the Holder hereof prior to October 1, 2021. This Security is not entitled
to any sinking fund.

    	 	2	 

    	 

    

Reference
is hereby made to the further provisions of this Security set forth on the reverse hereof, which further provisions shall for
all purposes have the same effect as if set forth at this place.

Unless
the certificate of authentication hereon has been executed by the Trustee referred to on the reverse hereof by manual signature
or its duly authorized agent under the Indenture referred to on the reverse hereof by manual signature, this Security shall not
be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.

 

 

[The
remainder of this page has been left intentionally blank]

 

    	 	3	 

    	 

    

IN WITNESS WHEREOF, the
Company has caused this instrument to be duly executed.

 

DATED:

 

	 	WELLS FARGO & COMPANY
	 	 	 
	 	By:	 
	 	 	 
	 	 	Its:
	 	 	 
	 	 	 
	 	Attest:	 
	 	 	 
	 	 	Its:

 

 

TRUSTEE’S CERTIFICATE OF

AUTHENTICATION

This is one of the Securities of the

series designated therein described

in the within-mentioned Indenture.

 

	CITIBANK, N.A.,	 
	 	as Trustee	 
	 	 	 
	By:	 	 
	 	Authorized Signature	 
	 	 	 
	OR	 
	 	 	 
	WELLS FARGO BANK, N.A.,	 
	 	as Authenticating Agent for the Trustee	 
	 	 	 
	By:	 	 
	 	Authorized Signature	 

 

    	 	4	 

    	 

    

[Reverse
of Note]

 

 

WELLS
FARGO & COMPANY

 

MEDIUM-TERM
NOTE, SERIES T

 

Due
Nine Months or More From Date of Issue

 

Notes
due October 1, 2021

 

This
Security is one of a duly authorized issue of securities of the Company (herein called the “Securities”), issued
and to be issued in one or more series under an indenture dated as of February 21, 2017, as amended or supplemented from
time to time (herein called the “Indenture”), between the Company and Citibank, N.A., as Trustee (herein called
the “Trustee,” which term includes any successor trustee under the Indenture), to which Indenture and all indentures
supplemental thereto reference is hereby made for a statement of the respective rights, limitations of rights, duties and immunities
thereunder of the Company, the Trustee and the Holders of the Securities, and of the terms upon which the Securities are, and
are to be, authenticated and delivered. This Security is one of the series of the Securities
designated as Medium-Term Notes, Series T, of the Company. The Securities of this series will bear interest at a fixed
rate or a floating rate. The Securities of this series may mature at different times, be
redeemable at different times or not at all, be repayable at the option of the Holder at different times or not at all and be
denominated in different currencies.

The
Securities are issuable only in registered form without coupons and will be either (a) book-entry securities represented
by one or more Global Securities recorded in the book-entry system maintained by the Depositary or (b) certificated securities
issued to and registered in the names of, the beneficial owners or their nominees.

The
Company agrees, to the extent permitted by law, not to voluntarily claim the benefits of any laws concerning usurious rates of
interest against a Holder of this Security.

Modification
and Waivers 

The
Indenture permits, with certain exceptions as therein provided, the amendment thereof and the modification of the rights and obligations
of the Company and the rights of the Holders of the Securities of each series to be affected under the Indenture at any time by
the Company and the Trustee with the consent of the Holders of a majority in principal amount of the Securities at the time Outstanding
of all series to be affected, acting together as a class. The Indenture also contains provisions permitting the Holders of a majority
in principal amount of the Securities of all series at the time Outstanding affected by certain provisions of the Indenture, acting
together as a class, on behalf of the Holders of all Securities of such series, to waive compliance by the Company with those
provisions of the Indenture. Certain past defaults under the Indenture and their consequences may be waived under the Indenture
by the Holders of a majority in principal amount of the Securities of each series at the time Outstanding, on behalf of the Holders
of all Securities of such series. Any such consent or waiver by the Holder of this Security shall be conclusive and binding

    	 	5	 

    	 

    

upon
such Holder and upon all future Holders of this Security and of any Security issued upon the registration of transfer hereof or
in exchange herefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Security.

Defeasance

Section 403
and Article Fifteen of the Indenture and the provisions of clause (ii) of Section 401(1)(B) of the Indenture, relating
to defeasance at any time of (a) the entire indebtedness on this Security and (b) certain restrictive covenants, upon
compliance by the Company with certain conditions set forth therein, shall not apply to this Security. The remaining provisions
of Section 401 of the Indenture shall apply to this Security.

Authorized
Denominations

This
Security is issuable only in registered form without coupons in denominations of $1,000 or any amount in excess thereof which
is an integral multiple of $1,000.

Registration
of Transfer

Upon
due presentment for
registration of transfer of this Security at the office or agency of the Company in the City of Minneapolis, Minnesota, a new
Security or Securities of this series, with the same terms as this Security, in authorized denominations for an equal aggregate
principal amount will be issued to the transferee in exchange herefor, as provided in the Indenture and subject to the limitations
provided therein and to the limitations described below, without charge except for any tax or other governmental charge imposed
in connection therewith.

This
Security is exchangeable for definitive Securities in registered form only if (x) the Depositary notifies the Company that
it is unwilling or unable to continue as Depositary for this Security or if at any time the Depositary ceases to be a clearing
agency registered under the Securities Exchange Act of 1934, as amended, and a successor depositary is not appointed within 90 days
after the Company receives such notice or becomes aware of such ineligibility, (y) the Company in its sole discretion determines
that this Security shall be exchangeable for definitive Securities in registered form and notifies the Trustee thereof or (z)
an Event of Default with respect to the Securities represented hereby has occurred and is continuing. If this Security is exchangeable
pursuant to the preceding sentence, it shall be exchangeable for definitive Securities in registered form, bearing interest at
the same rate, having the same date of issuance, Stated Maturity Date and other terms and of authorized denominations aggregating
a like amount. 

This
Security may not be transferred except as a whole by the Depositary to a nominee of the Depositary or by a nominee of the Depositary
to the Depositary or another nominee of the Depositary or by the Depositary or any such nominee to a successor of the Depositary
or a nominee of such successor. Except as provided above, owners of beneficial interests in this Global Security will not be entitled
to receive physical delivery of Securities in definitive form and will not be considered the Holders hereof for any purpose under
the Indenture.

Prior
to due presentment of this Security for registration of transfer, the Company, the Trustee and any agent of the Company or the
Trustee may treat the Person in whose name this

    	 	6	 

    	 

    

Security
is registered as the owner hereof for all purposes, whether or not this Security be overdue, and neither the Company, the Trustee
nor any such agent shall be affected by notice to the contrary.

Obligation
of the Company Absolute

No
reference herein to the Indenture and no provision of this Security or the Indenture shall alter or impair the obligation of the
Company, which is absolute and unconditional, to pay the principal of and interest on this Security at the times, place and rate,
and in the coin or currency, herein prescribed, except as otherwise provided in this Security.

No
Personal Recourse

No
recourse shall be had for the payment of the principal of or the interest on this Security, or for any claim based hereon, or
otherwise in respect hereof, or based on or in respect of the Indenture or any indenture supplemental thereto, against any incorporator,
stockholder, officer or director, as such, past, present or future, of the Company or any successor corporation, whether by virtue
of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise, all such liability
being, by the acceptance hereof and as part of the consideration for the issuance hereof, expressly waived and released.

Defined
Terms

All
terms used in this Security which are defined in the Indenture shall have the meanings assigned to them in the Indenture unless
otherwise defined in this Security.

Governing
Law

This
Security shall be governed by and construed in accordance with the law of the State of New York, without regard to principles
of conflicts of laws.

    	 	7	 

    	 

    

ABBREVIATIONS

 

The following abbreviations,
when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:

 

	TEN COM	--	as tenants in common
	 	 	 
	TEN ENT	--	as tenants by the entireties
	 	 	 
	JT TEN	--	as joint tenants with right
	 	 	of survivorship and not
	 	 	as tenants in common

 

	UNIF GIFT MIN ACT --	 	 Custodian 	 
	 	(Cust)	 	(Minor)

 

	Under Uniform Gifts to Minors Act	 
	 	 
	 	 
	(State)	 

 

Additional abbreviations
may also be used though not in the above list.

 

FOR VALUE RECEIVED,
the undersigned hereby sell(s) and transfer(s) unto

 

	Please Insert Social Security or	 
	Other Identifying Number of Assignee
	 	 
	 	 

 

 

	 
	 
	 

(Please
print or type name and address including postal zip code of Assignee)

 

    	 	8	 

    	 

    

the
within Security of WELLS FARGO & COMPANY and does hereby irrevocably constitute and appoint __________________ attorney to
transfer the said Security on the books of the Company, with full power of substitution in the premises.

 

 

Dated:
_________________________

  

	 	 
	 	 
	 	 
	 	 

 

 

NOTICE:
The signature to this assignment must correspond with the name as written upon the face of the within instrument in every particular,
without alteration or enlargement or any change whatever.

 

    	 	9Exhibit 10.27

 

 

 

 

Collaboration Agreement

 

Between

 

America Arki Network (Beijing) Co., Ltd.

 

And

 

China UnionPay Merchant Service (Liaoning)
Co. Ltd.

 

 

 

 

 

 

 

April 8, 2016

 

 

 

    	 		 

     

    

 

Party A: China UnionPay Merchant Service (Liaoning) Co. Ltd

Authorized Representative: Jinghui Liu

Address: 32 Yingbin Street, Shenyang City, Liaoning, PRC

 

Party B: America Arki Network (Beijing) Co., Ltd

Legal Representative: Fei Gao

Address: 100 Guanghua Road, Building D, 11th Floor

 

		I.	The parties desire to develop collaboratively on the terms and conditions set forth herein.

 

		II.	Party A promises to actively introduce Party B's business operations and financial products to merchants who use Party A’s
system (the “Party A’s Merchants”), and recommend the Party A’s Merchants to Party B for Party B to handle
the Party A’s Merchants’ related financial business.

 

		III.	Party B promises to use its advantages regarding financial products, settlement platform, and broad information to provide
preferential and comprehensive financial services to Party A and Party A's Merchants, including:

 

		1.	Party B agrees to provide Party A's Merchants with credit line financial support. The terms and conditions of each loan shall
be subject to the specific loan agreement signed by Party B and each Party A's Merchants;

 

When Party A's Merchants applies for a loan from Party
B, Party A shall issue a letter of recommendation to Party B. Party B shall conduct independent review on the loan application
of the merchant according to Party A's Merchants letter. After examination and if approved, Party B shall release the fund.

 

		2.	Party B promises that the interest rate or service fee charged to Party A and Party A’s Merchants is not higher than
the interest rate or service fee of the same type of loans and services of Party B.

 

		3.	Party A has the right to charge a financial service fee to Party A’s Merchants who are able to be approved a loan from
Party B. The service fee is up to 2% of the actual loan amount. Party A can collect such fee itself or entrust Party B to collect
it. Party B shall protect Party A's interest in receiving financial service fees through financial product design and business
process restrictions.

 

		IV.	Both parties further agree:

 

		1.	If either party shall change contact information, written notice shall be sent 2 business in advance to the other party. Such
information shall be encrypted if requested by both parties.

 

    	 	2	 

     

    

 

Party A Contact:

Email:

Phone number:

Party B Contact:

Email:

Phone number:

 

		2.	After Party B obtains the legal authorization and letter of recommendation from Party A, Party B shall have the right to collect
information of Party A's Merchants. Such information includes, but is not limited to, the name and ID number of the legal person
or actual operator of the business; whether the merchant is approved a credit loan or not and the amount of the loan granted is
determined by Party B.

 

		3.	Both Party A and Party B are obliged to optimize of the business collabration through active negotiation and communication,
and realize automation and informationization of information exchange, business approval, data statistics, etc.

 

		4.	Party A is responsible for the promotion, marketing and promotion of business and products. Party B shall not use the “UnionPay
Business” brand or its products as a marketing methods without the authorization of Party A.

 

		V.	Confidentiality

 

Each party (the “Receiving Party”) acknowledges
that in connection with this Agreement it will gain access to confidential information of the other party (the “Disclosing
Party”). As a condition to being provided with confidential information, the Receiving Party shall not disclose such confidential
information to any third party and shall not use the Disclosing Party’s confidential information other than as necessary
to exercise its rights and perform its obligations under this Agreement, unless required by law. This clause shall survive the
termination of this agreement.

 

		VI.	Party A and Party B shall set up a joint working group to regularly discuss the problems encountered in the collaboration,
to develop financial products suitable for Party A and Party A's Merchants, and to promote the implementation of various products
and services to better accommodate the Party A's Merchants.

 

		VII.	Liability of breach of contract

 

		1.	Failure by either party to perform or failure to fully perform its obligations under this agreement shall constitute a breach
of contract in this Agreement. The breaching party shall be liable for breach of contract. Each party shall, in the event of default,
take remedial measures to mitigate the damages, assume comparative liability accordingly and pay compensation based on the loss
caused to the other party.

 

		2.	If either party violates its obligations regarding confidentiality as stipulated in this agreement, the breaching party shall
pay liquidated damages based on the loss caused to the other party, including interests (calculated according to the interest rate
issued by People's Bank of China regarding the same-grade loan of the at the same time). The obligation to pay liquidated damages
under this provision is independent of other breach of contract obligations.

 

    	 	3	 

     

    

 

		3.	In the event of default, the non-breaching party shall notify the breaching party in writing the event of default, the amount
of liquidated damages and compensation, the time and manner of payment, etc. After receiving the notice, the breaching party shall
reply within 15 days and pay liquidated damages and compensation. Any disputes arising from breach of contract shall be resolved
between the two parties in accordance with the dispute settlement clauses stipulated in this agreement. Neither party may take
illegal means to enforce the liquidated damages.

 

		VIII.	Force majeure

 

If during the term of this agreement force majeure (including
but not limited to war, riots, earthquakes, natural disasters, etc.) causes that some or all of the terms of this agreement cannot
be fulfilled, the defaulting party will not be liable for breach of contract. Both parties are obliged to continue to perform the
remaining terms of this agreement that are not affected. If the purpose of this agreement can no longer be carried out due to force
majeure, this agreement is automatically terminated and both parties bear their own losses. Each party shall immediately notify
the other party of the occurrence of force majeure, and shall, within 14 days, present to the other party a certified written statement
issued by notary office describing the event of force majeure time. Otherwise, the party claiming force majeure cannot delay or
avoid performance or non-performance under the agreement on the grounds of force majeure. The party affected by force majeure shall
take reasonable actions to mitigate the damages.

 

		IX.	Dispute Resolution

 

Any dispute arising from the performance of this Agreement
shall be settled first by negotiation between Party A and Party B. If the negotiation fails, the two parties agree to submit the
dispute to the People's Court of Heping District of Shenyang City for settlement. During the litigation, both parties shall continue
to perform under the terms that are not in dispute.

 

		X.	Other

 

		1.	For matters not covered in this agreement, a supplementary agreement may be signed after agreement between the two parties.
The supplemental agreement shall become effective after it has been signed and affixed with the official seal by the legal representative/authority
or authorized agent of both parties, and shall become an effective part of this agreement that has the same legal effect as this
agreement. If the supplementary agreement is inconsistent with this agreement, the supplementary agreement shall prevail.

 

    	 	4	 

     

    

 

		2.	This Agreement shall become effective after it has been signed and affixed with the official seal by the legal representative/responsible
person or authorized agent of both parties.

 

		3.	This agreement is valid for three years, from April 8, 2016 to April 8, 2019.

 

		4.	This Agreement is made in two copies. Party A and Party B each holds one copy and each copy has the same legal effect.

 

 

 

	
        Party A:

        China UnionPay Merchant Service (Liaoning) Co. Ltd

         

        /s/ Jinghui Liu
	 	
        Party B:

        America Arki Network (Beijing) Co., Ltd.

         

        /s/ Fei Gao

	
        Jinghui Liu

        Date: April 8, 2016
	 	
        Fei Gao

        Date: April 8, 2016

 

 

    	 	5

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