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Wells Fargo Advisors(tm) Non-bank Affiliate Brokers Dealers: Wells Fargo Advisors, LLC (Member SIPC) and Wells FarGO Advisors Financial Network, LLC. WellsTrade(r) . Traders Chicago Board Options Exchange; ASC America's Servicing Company(R) - Lenders Processing Services Inc.. CARRENET. Wells Fargo Funds Management LLC a wholly-owned sub Wells Fargo & Co Investment Advisory and admin services Wells Fargo Advantage Funds(sm) FUNDS distributed by Wells Fargo Funds Distributor LLC FINRA/SIPM member, affiliate of Wells Fargo & Co/MN dba WFC HOLDINGS CORP,

Wells Fargo Advisors(tm) Non-bank Affiliate Brokers Dealers: Wells Fargo Advisors, LLC (Member SIPC) and Wells FarGO Advisors Financial Network, LLC. WellsTrade(r) . Traders Chicago Board Options Exchange; ASC America's Servicing Company(R) - Lenders Processing Services Inc.. CARRENET. Wells Fargo Funds Management LLC a wholly-owned sub Wells Fargo & Co Investment Advisory and admin services Wells Fargo Advantage Funds(sm) FUNDS distributed by Wells Fargo Funds Distributor LLC FINRA/SIPM member, affiliate of Wells Fargo & Co/MN dba WFC HOLDINGS CORP,

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Published by Mary Cochrane
Wells Fargo Advisors is a non-bank affiliate of Wells Fargo & Company.
Wells Fargo Servicing Companies.
Lender Processing Services, Inc. for America’s Servicing Company CARENET CTSLINK® NISTAR Norwest Mortgage Conduit - NASCOR RELS LLC a holding company [First American Real Estate Solutions FARES+Norwest Mortgage Inc. = RELS TITLE]CORELOGIC … DATAQuick …

Brokerage products and services are offered through Wells Fargo Advisors. 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 and is intended only for United States residents. WellsTrade® is offered through Wells Fargo Advisors, LLC.
Investment Professionals are registered representatives of Wells Fargo Advisors, LLC (member SIPC), a non-bank affiliate of Wells Fargo & Company.
Investors should carefully consider the information contained in the prospectus including investment objectives, risks, charges and expenses. You may obtain a prospectus by contacting your Investment Professional or Wells Fargo Advisors, LLC. Please read the prospectus carefully before investing.
Options involve risk and are not suitable for all investors. When you apply for a Wells Fargo Advisors option account, you will receive a copy of Characteristics and Risks of Standardized Options. You should review this document carefully and can obtain additional copies by contacting 1-800- TRADERS (800-872-3377) or the Chicago Board Options Exchange, 400 S. LaSalle Street, Chicago, IL 60605 or www.cboe.com
(0308-19659)

Wells Fargo Advisors offers a full array of fixed-income securities, including

•Corporate bonds
•Municipal bonds
•Treasuries
•Certificates of Deposit

Wells Fargo Funds Management, LLC, a wholly-owned subsidiary of Wells Fargo & Company, provides investment advisory and administrative services for the Wells Fargo Advantage FundsSM . Other affiliates of Wells Fargo & Company provide sub-advisory and other services for the Funds. The Funds are distributed by Wells Fargo Funds Distributor, LLC, Member FINRA/SIPC, an affiliate of Wells Fargo & Company.
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.
WellsTrade® accounts are offered through Wells Fargo Advisors, LLC (member SIPC), a non-bank affiliate of Wells Fargo & Company.
Wells Fargo Advisors, LLC is a member of FINRA
Financial Advisors are registered representatives of Wells Fargo Advisors LLC, member SIPC, a non-bank affiliate of Wells Fargo & Company.
Brokerage products and services are offered through Wells Fargo Advisors. 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 and is intended only for United States residents. WellsTrade® is offered through Wells Fargo Advisors, LLC.
Wells Fargo Bank, N.A., Member FDIC
Information published by Wells Fargo Bank, N.A., Wells Fargo Advisors, or one of its affiliates as part of this website is published in the United States and is intended only for persons in the United States.
https://www.wellsfargo.com/investing/cashsweep/alternatives/
Wells Fargo Advisors is a non-bank affiliate of Wells Fargo & Company.
Wells Fargo Servicing Companies.
Lender Processing Services, Inc. for America’s Servicing Company CARENET CTSLINK® NISTAR Norwest Mortgage Conduit - NASCOR RELS LLC a holding company [First American Real Estate Solutions FARES+Norwest Mortgage Inc. = RELS TITLE]CORELOGIC … DATAQuick …

Brokerage products and services are offered through Wells Fargo Advisors. 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 and is intended only for United States residents. WellsTrade® is offered through Wells Fargo Advisors, LLC.
Investment Professionals are registered representatives of Wells Fargo Advisors, LLC (member SIPC), a non-bank affiliate of Wells Fargo & Company.
Investors should carefully consider the information contained in the prospectus including investment objectives, risks, charges and expenses. You may obtain a prospectus by contacting your Investment Professional or Wells Fargo Advisors, LLC. Please read the prospectus carefully before investing.
Options involve risk and are not suitable for all investors. When you apply for a Wells Fargo Advisors option account, you will receive a copy of Characteristics and Risks of Standardized Options. You should review this document carefully and can obtain additional copies by contacting 1-800- TRADERS (800-872-3377) or the Chicago Board Options Exchange, 400 S. LaSalle Street, Chicago, IL 60605 or www.cboe.com
(0308-19659)

Wells Fargo Advisors offers a full array of fixed-income securities, including

•Corporate bonds
•Municipal bonds
•Treasuries
•Certificates of Deposit

Wells Fargo Funds Management, LLC, a wholly-owned subsidiary of Wells Fargo & Company, provides investment advisory and administrative services for the Wells Fargo Advantage FundsSM . Other affiliates of Wells Fargo & Company provide sub-advisory and other services for the Funds. The Funds are distributed by Wells Fargo Funds Distributor, LLC, Member FINRA/SIPC, an affiliate of Wells Fargo & Company.
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.
WellsTrade® accounts are offered through Wells Fargo Advisors, LLC (member SIPC), a non-bank affiliate of Wells Fargo & Company.
Wells Fargo Advisors, LLC is a member of FINRA
Financial Advisors are registered representatives of Wells Fargo Advisors LLC, member SIPC, a non-bank affiliate of Wells Fargo & Company.
Brokerage products and services are offered through Wells Fargo Advisors. 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 and is intended only for United States residents. WellsTrade® is offered through Wells Fargo Advisors, LLC.
Wells Fargo Bank, N.A., Member FDIC
Information published by Wells Fargo Bank, N.A., Wells Fargo Advisors, or one of its affiliates as part of this website is published in the United States and is intended only for persons in the United States.
https://www.wellsfargo.com/investing/cashsweep/alternatives/

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Categories:Types, Research
Published by: Mary Cochrane on Apr 06, 2013
Copyright:Attribution Non-commercial

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04/11/2013

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Secondary Market BUYER BEWARE when you see NMLS Trademark Wells Fargo Advisors "NOT FDIC-Insured NO Bank GuaranteeMAY Lose value" Brokers-Dealers have
No Fiduciary to BUYER UNLESS you enter into a special agreement.
Conference of State Bank Supervisors (“CSBS”) Since 1902:
State Regulatory Registry LLC (SRR) -
NMLS Resource Center Governing Law: County of Arlington, Virginia -
purchase services SRR, website property of CSBS or SRR;
NMLS began operation on January 2, 2008
Wells Fargo Advisors™
B
road array of credit and lending services
Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: WellsFargo Advisors, LLC and Wells Fargo Advisors Financial Network, LLC, MembersSIPC,non-bank affiliates of Wells Fargo & Company. Envision® is a registered service mark of Wells Fargo &Company and used under license
– 
Choose the card that fits your lifestyle
– 
Contact your Financial Advisor today for an introduction to a Wells Fargo HomeMortgage consultant
– 
A line of credit that gives you another option for your liquidity needs
 
Lending and other banking services available through theLending & Banking Services Group of Wells Fargo Advisors (NMLS UI 2234)
a
re offered by banking and non-banking affiliates of WellsFargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801); (WellsFargo Home Mortgage and Wells Fargo Home Equity Group are divisions of Wells Fargo Bank,N.A).; and Wells Fargo Equipment Finance, Inc.All loans and lines of credit are subject to creditapproval, verification and collateral evaluation. Products are not available in all states. Certainrestrictions apply. Programs, rates, terms and conditions are subject to change without notice.Licensed by the New Hampshire banking department.
 
© 2009-2013 Wells Fargo Advisors, LLC. All rights reserved.Privacy|Security|Legal Disclosures|Site Map|Contact Us|
 
CareersInvestment and Insurance Products:
NOT FDIC-Insured
NO Bank GuaranteeMAY Lose value
Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC andWells Fargo Advisors Financial Network, LLC, MembersSIPC,non-bank affiliates of Wells Fargo & Company. Envision® is a registered service mark of Wells Fargo & Company and used under license.
Wells Fargo Advisors is a non-bank affiliate of Wells Fargo &Company.Wells Fargo Servicing Companies.
Lender Processing Services, Inc. for America’s Servicing Company
CARENET CTSLINK® NISTAR Norwest Mortgage Conduit -NASCORRELS LLC a holding company [First American Real Estate Solutions
FARES+Norwest Mortgage Inc. = RELS TITLE]CORELOGIC …DATAQuick …
Saturday, April 06, 201312:25 PM
General Page 1
 
Securities-Backed LendingAddress Your Financial Needs With A Securities-Backed Loan or Line of Credit
When you need cash for home improvements, medical costs, or other expenses, explore all of your options. Before you sell your investments and disrupt your investment portfolio, consider taking advantage of your 
securities-backed lending options
.
Why use a securities-backed loan or line of credit?Keep your portfolio intact
-satisfy your cash needs with a securities-backed loan or line of credit without selling assets andpotentially disrupting your long-term investment plan.
Defer capital gains taxes
-defer potential capital gains taxes you could face by selling investments now that have appreciated invalue.
Be prepared for whatever may come
-Financial Advisors recommend having a sufficient amount in cash accessible to cover at
least six months’ worth of expenses. By opening a securities
-backed line of credit you can have access to funds for whenever a needarises.
How can a securities-backed loan or line of credit benefit you?
Funds can be used for a wide range of purposes.No set-up, nonusage, or cancellation fee.
Monthly interest-only payments.
How are securities-backed loans or lines of credit used?
The borrowed funds can be used for a wide range of purposes; some of the most common uses include:
Unexpected expensesHome renovations
Second-home purchase
Investment-property purchaseTax bills
Business opportunity
Why turn to your Financial Advisor for a securities-backed loan or line of credit?
By turning to your Financial Advisor for access to a securities-backed loan or line of credit, you get the added benefit of working withsomeone you trust that has insight into:What goals are most, and least, important to you
Your risk tolerance
Your investment preferences
Risks associated with leverage A securities-backed loan or line of credit lets you borrow money using your eligible marketable securities held at Wells Fargo Advisorsascollateral. Funds you borrow can be used toward a wide range of purchases.
As long as you have sufficient eligible marketablesecurities in your account to use as collateral,
leveraging your investments in this manner may be easier and more cost-effective thanother alternatives.
Personal Loans and Lines of Credit to Meet Your Specific Needs
Clients have access to four different securities-backed lending options:
Margin Account
 A Wells Fargo Advisors margin account can be used for both purpose and non-purpose borrowing. Purpose margin means funds can beused to meet a short-term financing need or purchase additional securities. Margin may offer a convenient financing source to pursueinvestment opportunities to help diversify your portfolio, exercise stock option strategies, or meet other financial goals without liquidatingsecurities. Benefits include:
Opportunity to borrow up to 50% of the market value of eligible investments
The choice of when to make payments, although interest expense will increase your outstanding loan balance
Interest expenses that may be tax-deductible up to the net investment income when the money borrowed is used to purchase taxableinvestments.
Secured PrimeLine® Line of Credit
The Secured PrimeLine line of credit, available through Wells Fargo Bank, N.A., is a flexible, easy-to-open line of credit. With competitiverates and a limited underwriting process for lines less than $2 million, the Secured PrimeLine may be a quick and inexpensiveway toaccess the funds you need today. The Secured PrimeLine line of credit provides:
 Access to the funds you need at competitive rates
Borrowing power from $100,000 to $5 million (depending on the value of your eligible assets)
Monthly interest-only payments
No prepayment penalty
Secured Term Loan
 A Secured Term Loan, available through Wells Fargo Bank, N.A., can be a good fit if you are looking for a fixed rate loan with predictablemonthly payments. This type of loan offers a cost-effective financing option that can also provide:
Borrowing power from $100,000 to $5 million (depending on the value of your eligible assets)Monthly interest-only payments
Reduced exposure to interest rate risk
Custom Line of Credit
 
General Page 3

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