Invest Native: Sustainability & Climate Resilience

Invest Native: Sustainability & Climate Resilience is sponsored by Wells Fargo. Part of the Invest Native initiative, this program supports sustainability initiatives that drive an equity-focused transition to a low-carbon economy, with a focus on mitigating climate impacts and facilitating transition opportunities in low and moderate income (LMI) communiti…

Sustainability | Wells Fargo Esta página solo está disponible en inglés Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. How do I find my routing and account numbers? Is there a fee for Zelle ® ?

How do I report suspected fraud? Wells Fargo seeks to meet the financial needs of our customers, clients, and communities. From households to large businesses, we work with our customers to provide the financial tools to help serve an evolving set of needs.

Whether customers are seeking to pursue their own sustainability goals or make their businesses more resilient, Wells Fargo can be a source of insights and financing. Wells Fargo is also making progress to strengthen our own operational sustainability. Across certain offices and branches, we are installing energy and water efficiency measures and innovative building technologies.

We are also procuring renewable electricity to power a number of those facilities. These investments can help lower long-term operating costs and improve the experience of employees and customers, while also supporting the Company’s operational sustainability goals.

The information below provides insights into the Company’s ongoing work related to sustainability, including progress towards our sustainable finance and operational sustainability goals. It also highlights our support for communities and employees, and provides information on certain corporate governance activities. We are proud of the positive contributions we are making in service of our clients and communities.

For further information on related topics, review our Sustainability Disclosure Index (PDF) . Forward-Looking Statements . Information contained on the Sustainability site speaks only as of the date of its publication on December 22, 2025, unless otherwise noted.

We undertake no obligation to update the information, whether as a result of new information, future developments or otherwise, except as may be required by law. Forward-looking information contained on this site is subject to risks and uncertainties.

Refer to the “Disclaimer and Forward-Looking Statements” section below and to our reports filed with the Securities and Exchange Commission for additional important information, including factors that could cause actual results to differ materially from our expectations. Wells Fargo leverages its scale and expertise to support sustainability and resilience for our operations, clients, and communities. Our approach is client-centric.

As clients’ sustainability-related needs evolve, Wells Fargo is preparing to meet those needs and pursue the developing commercial opportunity. Our efforts to embed sustainability into our own operations enable us to test and deploy solutions that can lower operating costs, increase resiliency, and connect our teams with emerging innovations.

This work is supported by our commitment to a strong risk and control culture, along with governance practices that help us adapt to and manage in a rapidly changing world. We developed our sustainability approach by considering industry best practices, voluntary standards and frameworks, and a range of stakeholder viewpoints, and we assess where our internal business strategy aligns with sustainability-related opportunities.

We engage with stakeholders including non-governmental organizations and industry associations.

in sustainable finance by 2030 of net zero greenhouse gas emissions in scopes 1 and 2 in greenhouse gas emissions (scopes 1 and 2) from 2019 levels by 2030 in energy usage from 2019 levels by 2030 in total waste stream from 2019 levels by 2030 in water usage from 2019 levels by 2030 of annual purchased electricity consumption needs with new renewable sources by 2030 Financing sustainable activities Client-centric engagement We aim to help our clients pursue their own climate and sustainability-related objectives.

Our approach is client-driven, as we aim to support their unique needs — from resiliency and financial health to bespoke and structured sustainability-labeled transactions. The Sustainability team brings expertise, relationships and resources that support our lines of business as they work with clients to help them achieve their own sustainability objectives.

The team seeks to improve enterprise integration and coordination of sustainability-related work. Key activities include providing subject matter expertise to bankers and clients on relevant market trends and policies, engaging with external stakeholders, and driving internal awareness and education.

Corporate & Investment Bank Corporate & Investment Bank Bankers across Wells Fargo’s Corporate & Investment Bank support clients’ sustainability-related activities. Within the Corporate & Investment Bank, subject matter experts engage with clients and help them evaluate various financing structures across bonds, corporate lending, project finance, and other instruments.

For example, the Energy & Power group serves both established and emerging energy clients. This group includes the Renewables & Asset Finance team, which invests in battery and other clean energy projects, as well as the Energy Transition team, which focuses on investment banking services for emerging energy transition companies across relevant sectors.

Wells Fargo Commercial Banking provides comprehensive financial solutions designed to meet the needs of emerging middle-market and mid-corporate businesses, and government, institutional, and not-for-profit clients.

Examples of these capabilities include tax equity financing for large-scale clean energy projects in our Renewable Energy & Environmental Finance team and cash management and core banking services for emerging cleantech start-ups in our Technology Banking group.

Consumer Banking and Lending Consumer Banking and Lending Wells Fargo provides financing to our individual customers, including those interested in clean energy technologies and sustainable products for their homes and small businesses. For example, our Auto lending team finances electric vehicle (EV) loans helping to enable households to purchase vehicles with zero tailpipe emissions.

Some clients and customers see opportunity and value in pursuing sustainability-related investments and activities, and an increasing need to improve resiliency. We aim to pursue this market opportunity in areas such as affordable housing, clean energy, transportation, and resource efficiency. At Wells Fargo, we support our clients and customers in pursuing these opportunities.

In 2021, Wells Fargo set a goal to finance or facilitate $500 billion in sustainable finance by 2030 to support our clients and customers as they pursue opportunities in both existing and emerging areas of sustainability. For more information on sustainable finance activities that count toward our goal, see Sustainable Finance at Wells Fargo December 2025 (PDF) .

From 2021 to 2024, Wells Fargo originated, committed, advised, or facilitated approximately $264 billion in sustainable finance activities, representing approximately 53% of our $500 billion sustainable finance goal. Wells Fargo’s Institute for Sustainable Finance highlights examples of our sustainable finance initiatives.

$500 billion sustainable finance goal (by the end of 2030) 15% Community Finance, 23% Environmental Finance, 62% Standard Aligned Sustainable Finance. Total is $264 billion, over halfway to our goal of $500 billion.

Sustainable finance progress (2021–2024) Cumulative total ($B USD) and percent of total (%) Standard-aligned sustainable finance Sustainability-linked loans and bonds $77 billion (29% of total) $36 billion (14% of total) $23 billion (9% of total) $29 billion (11% of total) Energy generation and storage $24 billion (9% of total) $19 billion (7% of total) Pollution prevention and control and circular economy $1 billion (<1% of total) $26 billion (10% of total) Economic opportunity development $13 billion (5% of total) $1 billion (<1% of total) Total $264 billion (100%) The sustainable finance activities shown meet Wells Fargo’s Sustainable Finance Eligibility Criteria.

Due to rounding, the numbers presented may not add up precisely. Subcategories with less than 1% are categorized as either Other Environmental or Other Community.

Operational sustainability Sustainability efforts and performance Wells Fargo’s Corporate Properties Group supports our operational sustainability goals by facilitating efforts to reduce energy and water usage, reduce waste, source renewable energy, and reduce our Scope 1 and Scope 2 emissions.

The team also partners with lines of business to provide insights and information to clients developing their own operational sustainability strategies, including renewable energy strategies and building performance standards.

Wells Fargo's 2030 sustainability goals for its own operations in Scope 1 & 2 GHG Emissions from 2019 levels (40% of goal) in energy usage from 2019 levels (37% of goal) in waste stream from 2019 levels (98% of goal) in water usage from 2019 levels (54% of goal) 100% of our annual purchased electricity consumption needs with new renewable sources For more information, please see our 2024 Operational Sustainability Performance Data (PDF) .

Reinforcing our long-term strategy to support new sources of renewable energy, in 2024 Wells Fargo signed a 15-year commitment, our largest long-term renewable energy agreement to date. The newly constructed Texas solar facility will provide renewable energy to the Texas grid where we have infrastructure. Much of our operational sustainability work is multi-year and ongoing.

Highlights from 2024 include: Continuing to install high-efficiency lighting and lighting controls across Wells Fargo’s building footprint; Improving mechanical system efficiency through deployment of building management systems (BMS) and new and more efficient motors; Continuing water reduction practices including our ongoing smart irrigation program which leverages smart controllers to reduce irrigation water consumption; Implementing composting at several Wells Fargo U.S. campuses as part of our broader ongoing waste management program; and Adding onsite solar at six U.S. office campuses, one campus in India, and sixteen U.S. retail branch locations.

Wells Fargo continues to work towards enhancing operational sustainability across its global building footprint. In India, Wells Fargo leverages the U.S. Green Building Council’s suite of Leadership in Energy and Environmental Design (LEED) green building rating tools, specifically LEED Interior Design + Construction and LEED Zero to help advance the efficiency and comfort of our buildings.

In 2024, in cooperation with the buildings’ landlord, five Wells Fargo occupied projects in India – four in Hyderabad and one in Bangalore – achieved LEED Zero – Water certification. LEED Zero – Water emphasizes the efficient and sustainable use of water. As of the end of 2024, two Wells Fargo buildings in India are the world’s two largest LEED v4.

1 Interior Design + Construction: Commercial Interiors Platinum certified buildings. Wells Fargo has locations in India that are also equipped with onsite organic waste converters which take wet waste generated from operations and convert it to compost to be used in landscaping.

The Philippines is also home to LEED Platinum certified Wells Fargo buildings and amenities such as solar EV charging stations for e-scooters and e-bikes which represent our multi-year focus on building efficiency and occupant comfort. February 2025 statement on Wells Fargo’s climate goals & targets Wells Fargo has long been a leading bank in the energy sector, financing conventional and low-carbon energy solutions.

As of December 31, 2024, we had approximately $55 billion of outstanding commitments to oil, gas, pipeline companies and utilities, and we have provided over $20 billion of renewable tax equity since 2006. We have also deployed $178 billion of sustainable finance in three years, which includes $16 billion in renewable energy and over $15 billion in clean transportation finance.

Wells Fargo can play a role in supporting our clients’ climate-related efforts. However, when we set our financed emissions goal and targets, we said that achieving them was dependent on many factors outside our control. This included public policy, consumer behavior, and technology changes that would enable our clients to move quickly to lower-emitting operating models.

Many of the conditions necessary to facilitate our clients’ transitions have not occurred. We are adjusting our approach to focus on doing what banks do best – providing financing and expertise to help clients pursue their own objectives. As of February 28, 2025, we discontinued our sector-specific 2030 interim financed emissions targets and our goal to achieve net zero by 2050 for financed emissions.

We will maintain our 2030 sustainable finance goal; our 2030 operational sustainability goals; and our 2050 goal for Wells Fargo’s own operational emissions. Most importantly, we will continue to serve clients’ energy needs, meeting them where they are in their chosen energy and transition strategies. And we will work to meet the rising energy demands of the clients, customers, and communities we serve.

Sustainability governance The management and oversight of sustainability-related risks are integrated into the risk programs supporting our businesses across the enterprise. We leverage line of business risk and control committees for decision-making and escalation of risks and controls associated with sustainability-related activities. These committees include leaders from various lines of business and enterprise functions.

The Enterprise Risk & Control Committee reports to the Risk Committee of the Board of Directors and governs the management of all risk types. The committee is co-chaired by the Chief Executive Officer and Chief Risk Officer, with members including the heads of principal lines of business and certain enterprise functions.

It is the most senior management committee responsible for reviewing and approving significant sustainability decisions. At the Board-level, the Governance and Nominating Committee oversees the Company’s significant strategies, policies, and programs on social and public responsibility matters. The Risk Committee of the Board of Directors oversees the state of the Company's risk programs, including risks related to sustainability.

Indigenous Peoples Statement Serving Indigenous Peoples' communities For more than 65 years, Wells Fargo has provided capital and financial services to tribes and tribal-owned enterprises. Wells Fargo has banking relationships with 1 out of every 3 federally recognized tribes in the United States. We have committed approximately $4.

6 billion in credit and hold approximately $3.

7 billion in deposits for tribal governments and tribally owned enterprises nationally, banking more than 200 federally recognized Native American and Alaska Native tribes across the U.S. We are dedicated to serving Indigenous communities with products, services, and financial health programs tailored to help tribal clients, tribal governments, tribal enterprises, and tribal members succeed financially.

While the government of the United States provides formal recognition to American Indian and Alaska Native tribes, for purposes of this statement we use the term Indigenous Peoples to be inclusive of these communities and other tribal communities that may or may not be afforded the same recognition in their countries outside the United States.

Our respect for the rights of Indigenous Peoples As expressed in Wells Fargo’s Human Rights Statement , we are committed to respecting human rights. We recognize that the identities and cultures of Indigenous Peoples are inextricably linked to the lands on which they live and the natural resources, including air and water, upon which they depend.

We respect Indigenous Peoples’ rights to determine their own way of life on their own lands, according to their time-honored cultures, traditions and beliefs. We recognize the rights of these communities to meaningful and appropriate consultation regarding issues affecting their sacred lands and natural resources – traditionally owned or otherwise occupied and used – today and for future generations.

Our approach to responsible finance While we recognize that governments have a central role to play in the approval of policies or projects that impact Indigenous Peoples, we seek to understand how our customers manage the impacts and risks of their activities. Through due diligence, Wells Fargo may engage with clients to understand their approach to managing potential impacts and risks to Indigenous communities.

We intend to pursue high-quality business opportunities informed by appropriate assessment, applying risk management principles throughout our decision-making process. Philanthropy and community impact Our intentional approach to strengthening communities Wells Fargo is focused on contributing to a strong economy—one that is built on thriving communities.

We look for ways to bring the breadth of our company’s resources and expertise to help address community needs and spark transformation. We focus on three priorities for our community impact—improving housing access and affordability, accelerating small business growth, and empowering financial mobility.

These three elements are central components to our efforts related to advancing economic empowerment and opportunity and equipping individuals with the knowledge and resources they need to achieve long-term financial stability. In addition, Wells Fargo supports the development of strong communities through disaster relief funding and engages employee volunteers across a range of local initiatives.

Since 2019, Wells Fargo & Company and the Wells Fargo Foundation have given more than $2 billion in support of housing, small business, financial health and more, to strengthen communities by investing in pathways to economic advancement and generational wealth.

Improving housing access and affordability Improving housing access and affordability Wells Fargo continues to advance its support for housing access and affordability, having donated over $745 million since 2019 to support efforts that help keep people housed, increase affordable and workforce housing supply, and open doors to homeownership.

Housing stability can lead to economic mobility, stronger well-being, and the ability to grow and pass down wealth. Communities often hold the key to unlocking housing ideas that best fit their neighborhoods. Learning from them, we have worked with public, private and local leaders to co-design ways to transform neighborhoods, including places to live for low-income families, people who have experienced homelessness, and veterans.

In our philanthropy efforts, Wells Fargo aims for a participatory approach, where residents are empowered to express their needs and aspirations for housing and supportive resident services. Wells Fargo supports the Veterans Collective, which seeks to expand housing options for veterans on the West Los Angeles Veterans Affairs (VA) Medical Center campus.

The development is anticipated to be the largest of its kind in the country when complete and is designed to create enough new affordable housing for at least 1,200 veterans. In addition, the project includes plans to give residents access to career training, counseling, cooking classes, healthcare and more.

Since 2023, Wells Fargo has helped finance 365 units on the campus for homeless and formerly homeless veterans, an effort still underway, by providing more than $140 million in construction financing and $110 million in low-income housing tax credit equity. Additionally, the Wells Fargo Foundation provided a $2 million grant to support campus economic mobility programs through the building of a Career Development Center.

The center is intended to provide dedicated space for individualized career support and financial coaching aimed at wealth building and greater housing stability.

Accelerating small business development and growth Accelerating small business development and growth To support small business growth, Wells Fargo collaborates with nonprofits to provide small business owners with access to capital, knowledge and networks, and opportunities to create a thriving workforce.

Wells Fargo's Open for Business Fund, a roughly $420 million national small business recovery effort established during the COVID-19 pandemic, helped small businesses recover and grow. In 2024, grantees reported that the Open for Business Fund benefited more than 336,000 small businesses, empowering them to keep or create more than 461,000 jobs in communities across the United States.

Insights from the Open for Business Fund may help inform how community organizations approach future support for small businesses.

Empowering financial growth and mobility Empowering financial growth and mobility Wells Fargo’s support has opened pathways to economic advancement for individuals, families and communities through programs that have worked to increase financial mobility, reduce debt, drive savings and encourage wealth-building.

To help people and communities become more financially resilient, Wells Fargo & Company and the Wells Fargo Foundation have collectively contributed more than $41 million in grants since 2018 for financial coaching and counseling and credit-building loans, helping people reduce debt by nearly $87 million and increase savings by $51 million.

More than 89,000 people have established or improved their credit score, and more than 40,000 people acquired a bank account or other financial asset. In 2024, Orange County became the first local government in Florida to launch a Financial Empowerment Center with help from Wells Fargo Foundation funding to the Cities for Financial Empowerment Fund.

Since 2016, the Wells Fargo Foundation has provided more than $6 million to the Cities for Financial Empowerment Fund for Financial Empowerment Centers nationally, which offer professional, one-on-one financial counseling as a free public service. Our 2024 work also included support for international financial mobility programs.

In the Philippines, Wells Fargo collaborated with Junior Achievement to offer financial literacy education to high school seniors. Helping communities respond to and recover from disasters Helping communities respond to and recover from disasters As communities grappled with devastation caused by natural disasters in 2024, the Wells Fargo Foundation supported disaster relief in many impacted communities.

Supporting Team Rubicon through a $2 million donation enabled thousands of volunteers, including military veterans, first responders and civilians to deploy quickly to serve communities before, during, and after disasters and crises. Directing support to communities across the Southeast region of the United States grappling with the devastation caused by Hurricanes Milton and Helene. This $1.

8 million in donations aimed to replenish resources for relief organizations mobilized on the ground as they served families, individuals, and small businesses. Providing a grant to the United Way of Hyderabad to support rebuilding efforts in Telanaga, India after severe flooding caused wreckage throughout the region.

Serving communities through volunteerism Serving communities through volunteerism Wells Fargo employees have a longstanding tradition of giving back to the community. The Company provides up to 16 hours of paid time off annually for eligible employees to volunteer in communities. Employee volunteers contributed over 951,000 hours of volunteer service in 2024 working alongside community members.

As an example, thousands of community partners in neighborhoods large and small joined with Wells Fargo employees during our special Welcome Home initiative dedicated to making housing more accessible. More than 7,400 Wells Fargo employee volunteers worked alongside 170 nonprofits to roll up their sleeves at 400 community projects across 35 U.S. states and six countries. Collaboration can help build thriving communities.

It can help families and individuals become financially stable, own a small business or buy their first homes. It can turn a startup business into a storefront that one day becomes a franchise fueling a local economy. The opportunity that lies ahead is accelerating this collaborative mindset and promoting transformational change in our communities.

Empowering our employees' success At Wells Fargo, we strive to be a great place to work where our employees can grow meaningful careers while supporting our efforts to serve a broad set of customers and clients. Listening to and learning from our employees helps us enhance the employee experience and drive improvements to our culture, programs and processes.

We offer work-life benefits from career development and skill-building opportunities to competitive compensation and well-being support. We believe that by investing in our people, we’re investing in our future. Listening to our employees Listening to our employees We conduct various surveys throughout the year where employees share their thoughts and feedback.

In addition to surveys, employees are invited to share their thoughts through town halls, direct engagement with their managers or business leaders, or our employee feedback platform. Career and skill building Career and skill building We provide employees and managers with opportunities to develop new skills, advance in their careers, and achieve their professional goals.

We provide resources for employees to strategically think about their careers by reflecting on their strengths, understanding options, and planning for their next career step. Learning is personalized to focus on building employee knowledge and skills. In 2024, we launched "Own Your Career," a platform that provides employees and managers with resources to help assess skills, understand options, and plan for future career steps.

Over the course of 2024, we invested approximately $200 million in a variety of employee learning and development programs, including functional training, required risk and regulatory compliance training, leadership and professional development, and early talent development programs. Additionally, we provided tuition reimbursement to approximately 2,600 employees in 2024.

Additionally, we launched a learning platform that allows managers at Wells Fargo to access courses, skill paths, programs and self-led resources. We also launched an ongoing initiative to put information and resources in the hands of managers throughout the year, as well as educate and reinforce the managers’ role in performance management activities.

In 2024, the Global Early Careers team continued to make progress delivering on traditional talent programs at the intern, analyst, and associate levels while also expanding its scope to include partnerships within our local communities that emphasize skills-based hiring.

These emerging talent programs—including high school and college apprenticeships—allowed us to hire, retain, and upskill junior-level talent outside of core campus recruitment efforts. For example, the First Gen Program rolled out an eight week virtual experience designed to educate, develop, and inspire first-generation college sophomores who are interested in exploring Corporate and Investment Banking.

We also partnered with Paul Quinn College’s Corporate Work Program to provide opportunities for students to develop professional skills while contributing toward the cost of their education. Mentoring partnerships enable employees to broaden their views, gain new perspectives, navigate career paths, and develop their networks across the organization.

The Global Mentoring program provides employees with tools and resources to grow their careers. This relationship-based development often results in performance improvement, more cross-business relationships, and enhanced employee engagement. Wells Fargo's compensation program is linked to performance management and is designed to promote prudent risk management and reinforce its culture and operating standards.

The compensation principles include: Pay for performance: Compensation is linked to company, line of business, and individual performance, including meeting regulatory expectations and creating long-term value consistent with the interests of shareholders. Promote effective risk management: Compensation promotes effective risk management and discourages imprudent or excessive risk-taking.

Attract and retain talent: People are one of Wells Fargo's competitive advantages; therefore, compensation helps attract, motivate, and retain people with the skills, talent, and experience to drive superior long-term company performance. We have conducted a global compensation review, evaluating both base salary and total compensation, through engagement with a third-party consultant.

The review compares compensation across the enterprise, taking into account factors such as role, level, tenure and geography and we may make adjustments in the event of unexplained gaps. As with our previous review, the year-end 2025 review showed no significant unexplained pay gaps.

We offer eligible full-and part-time employees and their eligible dependents a comprehensive set of benefits designed to support their physical, financial, and emotional health and well-being. Wells Fargo offers medical, dental, and vision plans with a focus on healthcare quality and affordability. Wells Fargo contributes up to 87% of U.S. employees’ per-paycheck cost of medical coverage.

A healthcare concierge service was introduced to U.S. employees enrolled in certain Wells Fargo medical plans in 2024, which offers provider recommendations, navigation across the healthcare ecosystem, second medical opinions from specialists, 24/7 clinical advice, and billing and claims support at no additional cost.

Through our support programs and annual mental health awareness campaign, Wells Fargo aims to reduce the stigma sometimes attached to mental health challenges. Employees and their eligible dependents have access to free in-person or virtual counseling sessions, up to calendar year limits through the Employee Assistance Program.

To help our employees plan for their financial future, U.S. employees who participate in the Wells Fargo 401(k) plan and have one year or more of service with Wells Fargo are eligible to receive a dollar-for-dollar employer matching contribution of up to 6% of eligible compensation.

In addition, eligible U.S. employees earning less than $75,000 in eligible compensation may also receive an employee non-matching contribution of 1% of eligible compensation. Eligible U.S. employees can also participate in the Wells Fargo & Company Stock Purchase Plan.

Furthermore, U.S. employees have year-round access to resources to plan for their future, including financial counseling, education sessions on a variety of topics, and online resources. Employee and family support Employee and family support We offer our employees benefits designed to help them build and support their families.

We provide our U.S. employees family support through fertility and adoption programs, and up to 16 weeks of paid parental leave available on day one of employment. Market-competitive paid time off following the birth or adoption of a child is also offered internationally. Our Safety Program outlines the specific roles and responsibilities of all employees for maintaining a safe workplace.

Managers are responsible for implementing and maintaining the program in their work area and employees are responsible for following safe work practices and reporting any unsafe work conditions. Workplace Safety Advocates are employee volunteers trained to identify potential safety issues. They promote safety in the workplace with the goal of helping reduce work-related injuries.

Ergonomics and other workplace safety resources are accessible to all employees through our intranet site. Email sustainability@wellsfargo.

com Visit reporting and resources Disclaimer and Forward-Looking Statements The information on the Sustainability site is provided for information purposes only and reflects Wells Fargo & Company’s (“our” or the “Company’s”) approach to the topics on this site as of December 22, 2025, unless otherwise noted. Our approach is subject to change in the Company’s sole discretion without notice.

The Company undertakes no obligation to update this site, or any information contained on this site, as a result of new information, future developments, or otherwise, except as may be required by law. Any goals, objectives, commitments, initiatives, or other information discussed on this site are not guarantees of future results, occurrences, performance, or conditions.

This site contains forward-looking statements about our business and other future conditions.

In particular, forward-looking statements include, but are not limited to, statements about the Company’s sustainability, human rights, human capital and governance-related plans, objectives, and strategies, and expectations for our operations and business, as well as our goals, commitments, and initiatives related to sustainable finance, management of climate-related risks and opportunities, greenhouse gas emissions, and operational sustainability.

Because forward-looking statements are based on our current expectations and assumptions regarding the future, they are subject to inherent risks and uncertainties. Do not unduly rely on forward-looking statements as actual results could differ materially from expectations.

While there is no assurance that any list of risks and uncertainties or risk factors is complete, important factors that could cause actual results to differ materially from those in the forward-looking statements include the following, without limitation: measurement uncertainties or other limitations with respect to data, methodologies, and models; the evolving standards and methodologies for measuring, reporting and verifying metrics; the development and adoption of new technologies and business models; the need for collaboration and action on the part of various stakeholders to help achieve goals, objectives, commitments and initiatives; the potential impact of legal and regulatory obligations and changes in laws, regulations, or public policy; changes in stakeholder perceptions and expectations; and changes in management’s strategies including our aspirational goals, objectives, commitments, and initiatives.

For additional information about factors that could cause