1. Wells Fargo & Company and its affilates do not provide legal or tax advise. Please consult your tax and legal professionals to determine how this general information may apply to your specific situation.
2. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Member SIPC, separate registered broker/dealers and non-bank affiliates of Wells Fargo & company.
3. Deposit products offered by Wells Fargo Bank, N.A. member FDIC
4. Residential mortgages offered through Wells Fargo Home Mortgage, a division of Wells fargo Bank, N.A.
5. Credit cards are offered through Wells Fargo Bank, N.A. and are subject to credit approval, verification and collateral evaluation. Producs are not available in all states. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice.
6. Wells Fargo & Company offers swaps, foreign exchange hedging products and foreign currency risk management solutions through Wells Fargo Bank, N.A. which is a swap dealer registered with the Commodity Futures Trading Commission ("CFTC") and a member of the National Futures Association ("NFA"). Balances held offshore, including multi-currency accounts and foreign deposits, are not FDIC-insured, may lose value, and are not guaranteed. Foreign Exchange and Interest Rate Risk Management products and services are subject to customer qualification.
7. Priority Credit Line is offered by Wells Fargo Advisors and lending and margin accounts are carried by Wells Fargo Clearing Services, LLC.
8. Margin borrowing may not be suitable for all investors. When a client uses margin, he or she is subject to a high degree of risk. Market conditions can magnify any potential for loss. The value of the securites held in accounts, which will fluctuate, must be maintained above a minimum value in order for the load to remain in good standing. If it is not, clients will be required to deposit additional securities and/or cash in the account or securities in the account may be sold. clients should carefully review the margin agreement, which explains the terms and conditions of the margin account, including how the interest on the loan is calculated.
9. Wells Fargo Private Bank and Wells Fargo Wealth Management provides products and services through Wells Fargo Bank, N.A. and its various affiliates and subsidiaries. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.
10. Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do no provide legal or tax advice.
11. Wells Fargo Bank, N.A. offers various advisory and fiduciary products and services including discretionary portfolio management. Financial Advisors of Wells Fargo Advisors, may be paid an ongoing or one-time referral fee in relation to clients referred to the bank. the bank is responsible for hte day-to-day management of the account and for providing investment advice, investment management services and wealth management services to clients. The role of the Financila Advisor with respect to bank products and services is limited to referral and relationship management services.
12. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns nor can diversification guarantee a profit in declining markets.
13. Alternative investments carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investent minimus. Available to pre-qualified investors only.
14. Insurance products are offered through non-bank insurance agency affiliates of Wells Fargo & company and are underwritten by unaffiliated insurance companies. Not available in all states.
Lending and other banking services avaialbe through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), ember FDIC, and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by theDepartment of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.