Priority Credit Line Meet today’s financing needs while ...

Priority Credit Line

Meet today's financing needs while preparing for the future

Use your Priority Credit Line to ...

? Fund home improvements ? Consolidate higher-interest debt ? Finance a business ? Establish an emergency fund ? Pay a tax bill ? Or whatever need is a priority for you

Access cash without selling assets

As a savvy investor, you know that managing both sides of your balance sheet is an important aspect of your financial success. Planning for borrowing needs in the context of your larger financial picture and using credit responsibly may help you increase your financial flexibility while keeping your financial goals intact. And that's where a Wells Fargo Advisors Priority Credit Line may come in handy.

The Priority Credit Line is a line of credit backed by the value of eligible securities in your Wells Fargo Advisors accounts. This liquidity tool is designed to help you meet personal or business cash-flow needs. It offers an alternative to premature liquidation of assets, deferring potential capital gains taxes. A Priority Credit Line does not charge origination, non-usage, or termination fees or require monthly payments.

Enjoy the benefits

u A Priority Credit Line can be used for practically any purpose other than purchasing or trading securities or paying off a margin account.

u Credit and background checks are not required to establish a Priority Credit Line since the line is supported by your eligible assets.

u You'll enjoy a streamlined account-opening process and have easy access to funds via access checks and online banking.

u A Priority Credit Line allows you to pledge assets for your personal and business borrowing needs.

u You can stay invested in the market while leveraging your securities for liquidity.

u The line's competitive interest rates are generally lower than credit cards or other forms of borrowing.

u You may also be eligible for relationship pricing discounts based on your relationship with Wells Fargo Advisors.

Carefully consider whether securitiesbased 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: ? Market fluctuations that may cause the value of pledged assets to decline

? A decline in the value of your securities that could result in selling your securities to maintain equity

? Adverse tax consequences as a result of selling securities*

*Wells Fargo Advisors and its affiliates are not tax or legal advisors.

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