A Secured PrimeLine line of credit. Access cash today and stay invested for tomorrow

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1 A Secured PrimeLine line of credit Access cash today and stay invested for tomorrow

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3 A flexible financing alternative A Secured PrimeLine line of credit may provide opportunities for you to enhance both your personal and professional life without disrupting your portfolio and long-term investment strategy. How you use Secured PrimeLine is as unique as you. The funds from a line of credit can be used for a wide range of purposes, such as: u Real estate purchases u Business opportunities u Education expenses u Vacations u Tax payments u Stand-by liquidity u Debt management u Home improvements Enjoy flexibility with a Secured PrimeLine line of credit Credit line Fund access Typical loan-to-value Term length Variable rate Payment required $100,000 to $5 million (depending on the value of your eligible assets) Check, online transfer, and wire transfer 50% - 95% based on asset class Revolving line of credit with a 60-month term Prime or LIBOR Monthly interest only

4 Carefully consider whether securities-based borrowing is right for you Securities-based borrowing has special risks and is not suitable for all investors. If the market value of pledged securities declines below required levels, you may be required to pay down your line of credit or pledge additional eligible securities in order to maintain it; otherwise the firm may require the sale of some or all of the pledged securities. The sale of pledged securities may cause adverse tax consequences.* The risks of securities-based borrowing include: u Market fluctuations that may cause the value of pledged assets to decline u A decline in the value of your securities that could result in selling your securities to maintain equity u Adverse tax consequences as a result of selling securities* * Wells Fargo Advisors and its affiliates are not tax or legal advisors. Contact your tax or legal advisors for advice. Why use a Secured PrimeLine line of credit? Keep your portfolio intact address your cash needs with a line of credit without selling assets and potentially disrupting your long-term investment plan. Defer capital gains taxes defer potential capital gains taxes you could face by selling investments that have appreciated in value. Be prepared for whatever may come financial professionals recommend having access to a sufficient amount of cash to cover at least six month s worth of expenses. By opening a securities-based credit line, you can have access to funds if a need arises.

5 A different way to get access to funds A Secured PrimeLine line of credit from Wells Fargo Bank, N.A., is flexible and easy to open. It is backed by eligible marketable securities in your portfolio and lets you borrow funds for a wide range of purposes when you need them most. With a limited underwriting process available, a Secured PrimeLine line of credit may be a quick way to access the funds you need today. A Secured PrimeLine line of credit provides: u Access to the funds you need at competitive rates u Borrowing power from $100,000 to $5 million (depending on the value of your eligible assets) u No origination, non-usage, or termination fees

6 The advantage of working with your Financial Advisor By discussing all of your financing needs with your Financial Advisor, you can help him or her get a better grasp of your entire financial picture, including the liabilities (loans), which can help your advisor when it comes to your investment planning. Having a long-term relationship with you gives your Financial Advisor insight that no one else has into: u What goals are most important to you u Your risk tolerance u Your investment preferences Call your Financial Advisor today to learn more about a Secured PrimeLine line of credit available from Wells Fargo Bank, N.A., as well as other securities-based borrowing alternatives available through Wells Fargo Advisors and our bank affiliates that may be equally suitable for you. Secured PrimeLine line of credit is offered by Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company. (Member FDIC). Securities-based lending has special risks and is not suitable for everyone. If the market value of your pledged securities declines below required levels, you may be required to pay down your line of credit or pledge additional eligible securities in order to maintain it, or the lender may require the sale of some or all of your pledged securities. The sale of your pledged securities may cause you to suffer adverse tax consequences. You should discuss the tax implications of pledging securities as collateral with your tax advisor. Wells Fargo Advisors and its affiliates are not tax or legal advisors. All securities and accounts are subject to eligibility requirements. Please read all lines of credit documents carefully. The proceeds from some asset-backed lines of credit may not be used to purchase additional securities or pay down margin. Securities held in a retirement account cannot be used as collateral to obtain a loan. Securities purchased in the pledge account must meet collateral eligibility requirements. Financing real estate with a securities-based line of credit carries risk and may not be appropriate for your needs. A complete assessment of your circumstances is needed to help you determine which type of loan provides the best fit. All loans are subject to credit approval. Wells Fargo & Company and its affiliates do not provide tax or legal advice. Please consult your tax or legal advisors to determine how any credit may apply to your own situation. Whether any planned tax result is realized by you, depends on the specific facts of your own situation at the time your taxes are prepared. Investment and Insurance Products: u NOT FDIC Insured u NO Bank Guarantee u MAY Lose Value Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC, and Wells Fargo Advisors Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo & Company. 2011, Wells Fargo Advisors, LLC. All rights reserved (Rev 04, 1 ea) v5