Helping you manage your full financial picture

Transcription

1 Helping you manage your full financial picture

2 All deposit products offered by Wells Fargo Bank, N.A. Member FDIC. Brokerage products and services offered through Wells Fargo Advisors, LLC. Investment and Insurance Products: NOT FDIC Insured u NO Bank Guarantee u MAY Lose Value

3 Get more than expert investment advice from Wells Fargo Advisors. Get access to products and services that can help you manage your spending needs, too. Whether it s a Wells Fargo Bank checking account or credit card for everyday purchases, a loan or line of credit for bigger items, or a Wells Fargo Advisors investment account, you can start with your Financial Advisor. He or she can help you review both sides of your balance sheet and, when appropriate, introduce you to a lending affiliate who can help you meet your financing needs. Enjoy the simplicity of having access to your accounts in one place including a combined monthly statement displaying your accounts. Receive benefits such as bonus interest rates, loan discounts, fee waivers, and special rewards. Your Financial Advisor can guide you to the most appropriate products and services that best suit your needs for: Everyday spending Large purchases Investing for the future 1

4 Percent Balance last Balance this Increase/ Percent Account (Account Number) of total month($) month ($) decrease ($) change Command Asset Program * ( ) 67% 654, , , % Standard Brokerage * ( ) <1% 1, , (57.30) (3.61%) ROTH IRA R ( ) 1% 15, , % PMA Premier Checking Account * ( ) 1% 15, , (1,173.18) (7.52%) Wells Fargo Way2Save Savings * ( ) 0% 999, , , % Foreign Exchange (123456) <1% 3, , % Annuity * (1LF54321) <1% 9, , % Wells Fargo Credit Card Account * ( ) 0% 999, , , % Total assets $992, $1,017, $25, % Investment and Insurance Products: Are NOT insured by the FDIC or any other federal government agency Total asset allocation (by account type) Checking Savings Certificates of Deposit Investment (*) Other - All accounts that represent less than 1% of your total balance. Are NOT deposits of or guaranteed by the Bank or any Bank affiliate MAY Lose Value ^ Balance shown reflects a preliminary market valuation of your assets and excludes accrued interest. See your Investment Management and Trust statement for details. Total asset allocation (by Retirement and Non-Retirement) Retirement Non-Retirement R Retirement Account An account that Wells Fargo classifies as a retirement account. See below for more details. Retirement Account An account Wells Fargo classifies as a retirement account. Retirement Savings: 00% Annuity - Ret: 00% Percent Balance last Balance this Retirement Account (Account Number) of total month ($) month ($) Certificate of Deposit: 00% Inv Mgmt & Standard Brokerage * ( ) 17% 1, , Trust - Ret: 00% Retirement Savings ( ) 44% 3, , Retirement Certificate of Deposit ( ) 39% 3, , Portfolio Adv Retirement Wells Fgo Avtg Ca TF-A - Ret * ( ) 00% 99,999, ,999, Acct - Ret: 00% Brokerage: 00% Portfolio Adv Acct - Ret * ( ) 0% 99,999, ,999, Wells Fgo Avtg Ca Inv Mgmt & Trust - Ret * ( ) 00% 99,999, ,999, TF-A - Ret: 00% HDVest - Ret: 00% Annuity - Ret * ( ) 0% 99,999, ,999, Other - All accounts that represent less than 1% of your total balance. Total retirement assets $9, $9, Form 400-W Master Page 2 Everyday spending Whether it s buying groceries or traveling abroad, Wells Fargo Advisors can introduce you to the right type of account to match your everyday spending: The Wells Fargo Bank PMA Package 1 starts with an interest-earning PMA Premier Checking account and links qualifying Wells Fargo Bank accounts and Wells Fargo Advisors investment accounts into a consolidated statement 2 to simplify financial management. Clients with $250,000 or more in qualifying relationship balances enjoy an even higher level of rewards and discounts. From unlimited waived Wells Fargo ATM access fees at non-wells Fargo ATMs (U.S. and international) 3 to fee waivers on select bank and brokerage services, 4 you get the special treatment you deserve as a top-tier customer. PMA account June 1, 20xx - June 30, 20xx Page x of xx Your PMA qualifying balance includes your bank deposit accounts, brokerage, annuities, trusts (excluding irrevocable trusts), loans, outstanding lines of credit, credit card, and 10% of your mortgage. Overview of your PMA account Assets Retirement assets R Investment and Insurance Products: NOT FDIC Insured u NO Bank Guarantee u MAY Lose Value For footnotes 1-4, please refer to Important Terms and Conditions on page 8. 2

5 Wells Fargo Advisors credit cards The exclusive Wells Fargo Advisors By Invitation Visa Signature Card, the Wells Fargo Advisors Premium Rewards Visa Signature Card, and the Wells Fargo Propel World American Express Card, offered through Wells Fargo Bank, provide rewards-earning opportunities and travel benefits such as air-travel redemption 5 virtually worldwide, including first-class with no blackout dates. All of our cards offer cellular telephone protection, 6 chipbased technology for greater global acceptance and added security with SMS text alerts, trip cancellation/trip interruption insurance, lostluggage protection, and more. 7 The Wells Fargo Rewards Program lets you redeem and choose from thousands of rewards including custom-tailored vacation packages. In addition to travel, you can select from sporting goods, electronics, cash-redemption options and more. For footnotes 5-7, please refer to Important Terms and Conditions on page

6 Purchases on your card are tracked on your monthly statements to help you manage your spending, and a year-end summary report is provided for tax planning. All Wells Fargo credit cards are subject to credit qualifications. Certain exclusions, restrictions, and limitations apply. 4

7 Large purchases When it s time to renovate the house, fund a major purchase, or cover expenses for life s changing needs, you ll want the right loan or line of credit for your situation: With a Wells Fargo Home Equity Line of Credit, you can take advantage of benefits many other types of credit don t provide, including lower rates, potential tax deductibility (consult your tax advisor), 8 and relationship-based pricing. You ll also receive a combination of features designed with your financial success in mind, including annual and lifetime rate caps and with the Fixed Rate Advance feature you have the ability to lock in the rate for your entire balance or just a portion anytime during the draw period. Priority Credit Line offered through Wells Fargo Advisors and Secured PrimeLine, offered by Wells Fargo Bank, are lines of credit that allow you to borrow using eligible securities in your investment account as collateral. Although this type of borrowing carries special risks, 9 it offers the flexibility of accessing funds without having to liquidate assets in your investment portfolio, potentially avoiding capital-gains taxes. Each line of credit provides you easy access to your funds and relationship-based pricing and does not charge origination, non-usage, or termination fees. For footnotes 8-9, please refer to Important Terms and Conditions on page 9. 5

8 Investing for the future When investing to meet a long-term goal such as retirement, our enhanced investment account can make it more convenient to manage your investments. Wells Fargo Advisors Command Asset Program account combines investing with easy access to online mobile services. * Transfer money to and from your Wells Fargo accounts and certain non-wells Fargo accounts. Set up automatic and recurring transfers between accounts to help reach your savings and investment goals. * Wells Fargo Mobile apps are supported on these operating systems: Android smartphones with OS 2.3t, Android tablets with OS 4.0+, iphones with ios 6.0+, ipads with a camera (ipad2+) running ios7.0+, and Windows Phone Services may vary for eligible account types. Access to the service may be limited, delayed or unavailable during periods of peak demand, market volatility, system upgrades or maintenance, or electronic communication or system problems, or for other reasons. 6

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10 Important Terms and Conditions 1 The Wells Fargo Bank PMA Package has a $30 monthly service fee, which can be avoided when you have one of the following in PMA statement ending balances: $25,000 or more in qualifying linked FDIC-insured accounts OR $50,000 or more in qualifying linked bank, brokerage (available through Wells Fargo Advisors, LLC) and credit balances (including 10% of mortgage balances, certain mortgages not eligible). 2 When only summary information is included for an account in the PMA statement, clients will continue to receive a regular detailed statement for that account which, for credit products, includes clients billing information. 3 No Wells Fargo ATM access fee for two non-wells Fargo ATM cash withdrawals (combined U.S. and international) from your primary checking account within the PMA Package per fee period. Surcharges imposed by non-wells Fargo ATM owners or operators may apply. Where PMA Package qualifying balances are $250,000 or more, you will (1) have unlimited waived Wells Fargo ATM access fees at non-wells Fargo ATMs (U.S. and international), (2) be reimbursed for all domestic surcharges, and (3) receive reimbursement for up to five surcharge fees per fee period imposed by a third party if you use a non-wells Fargo ATM to make a cash withdrawal at an ATM located outside of the U.S. 4 If the PMA Package relationship is terminated, the bonus interest rate on all eligible savings accounts, and discounts or fee waivers on other products and services will discontinue and revert to the Bank s then current applicable rate or fee. If the PMA Package relationship is terminated, the remaining unlinked PMA Premier Checking or PMA Prime Checking account will be converted to another checking product or closed. 5 Flights must be redeemed through the Wells Fargo Rewards Program. Certain restrictions and limitations apply. See the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Advisors By Invitation Visa Signature Card for details. 6 Protection is subject to a $25 deductible and maximum benefit limit of $600 per occurrence. Protection covers cellular telephones billed to your Wells Fargo Credit Card, subject to a maximum of two claims, per twelve-month period, per Wells Fargo Credit Card account number. Protection covers the primary line and up to the first three additional lines listed on your provider s monthly statement. Cellular telephones that are stolen or damaged are protected. This benefit does not cover cellular telephones that are lost. The cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Credit Card and remains in effect when you continue to charge your monthly cellular telephone bill to your Wells Fargo Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have in force presently or in the future, such as your homeowner s or automobile insurance policies, or through a plan provided through the seller of the telephone. 8

11 7 Certain limitations and exclusions apply. In order for your coverage to apply you must use your covered Visa card to secure transactions. Please refer to the Visa Card Guide to Benefits for the Wells Fargo Advisors By Invitation Visa Signature or Premium Rewards Visa Signature cards or the Wells Fargo Propel World Guide to Benefits for the Wells Fargo Propel World American Express card for further details. American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Wells Fargo Bank, N.A. pursuant to a license from American Express. 8 Wells Fargo Advisors and its affiliates are not tax or legal advisors. Interest on home equity loans and lines of credit is not always tax deductible. Please consult your tax advisor or CPA for information specific to your situation. 9 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. Wells Fargo Advisors will attempt to notify you of maintenance calls but is not required to do so. You are not entitled to choose which securities in your accounts are sold. 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, pay down margin, or to pay premiums for variable life policies or for insurance products offered by Wells Fargo and any of its affiliates, including life, disability, long-term care, personal or commercial property, casualty, and liability insurance products. 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. Secured PrimeLine line of credit is offered by Wells Fargo Bank, N.A. (Member FDIC). Credit cards are issued by Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company. The FDIC standard maximum deposit insurance amount per depository institution for each account ownership category is $250,000. Wells Fargo Advisors is a separate entity from, and is not endorsed by Apple, Android TM, or Microsoft. Android is a trademark of Google Inc. Lending and other banking services available through the Lending & Banking Services Group of Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking affiliates of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID ), Member FDIC; Wells Fargo Home Mortgage; and Wells Fargo Equipment Finance, Inc. All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Initial credit decision is subject to your meeting specific underwriting requirements, and final approval will be based upon your satisfying these requirements. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Licensed by the New Hampshire banking department. Wells Fargo Advisors does not render tax or legal guidance. 9

12 Wells Fargo Advisors, LLC (WFA), or Wells Fargo Advisors Financial Network, LLC (WFAFN), as applicable, will act as broker-dealer, and First Clearing, LLC (FCC), will carry the Priority Credit Line Account. WFA, WFAFN, and FCC are members SIPC, registered broker-dealers and separate non-bank affiliates of Wells Fargo & Company. Deposit products offered by Wells Fargo Bank N.A., Member FDIC. Investment and Insurance Products: 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 Wells Fargo Advisors, LLC. All rights reserved [95412-v1] (rev00, 1ea)