., Atlanta GA

As your financial advisor at Wells Fargo Advisors, we will work with your attorney, accountant, and other outside advisors, to plan and address your complex wealth management needs. We take this approach, knowing that the whole financial picture includes thinking about both your assets and liabilities. We can provide access to professionals across Wells Fargo Bank in order to bring together a team of professionals that will develop strategies to help drive towards your unique objectives.

As a client of Wells Fargo Advisors, you have access to securities-based lending products that can help clients access liquidity without disrupting their long term investment strategies. Securities based lending allows you to borrow against the value of eligible securities in your brokerage account at Wells Fargo Advisors.

If you need comprehensive banking solutions, we can provide you with access to Wells Fargo Bank specialists who can develop strategies to help keep your overall plan on track. Based on your specific financial goals — from managing liquidity to leveraging your existing assets — these specialists can develop customized credit and cash management strategies designed to help meet your needs. They can also provide you with access to residential financing available through Wells Fargo Home Mortgage³.

_{1 Securities-based lending has special risks and is not appropriate for everyone. If the market value of a client’s pledged securities declines below required levels, the client may be required to pay down his or her 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 the client’s securities. Wells Fargo Advisors will attempt to notify clients of maintenance calls but is not required to do so. Clients are not entitled to choose which securities in their accounts are sold. The sale of their securities may cause clients to suffer adverse tax consequences. Clients should discuss the tax implications of pledging securities as collateral with their tax advisors. An increase in interest rates will affect the overall cost of borrowing. All securities and accounts are subject to eligibility requirements. Clients should read all lines of credit documents carefully. The proceeds from securities-based lines of credit may not be used to purchase additional securities, pay down margin, or for insurance products offered by Wells Fargo affiliates. 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.}

_{Wells Fargo and Company and its Affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information 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 tax return is filed.}

_{2 Credit and deposit products and services are available through Wells Fargo Bank, N.A., Member FDIC.}

_{3 Residential mortgages offered through Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Equal Housing Lender.}