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Borrowing that fits your big picture

Helping you achieve short-term goals— and long-term plans

If you’re thinking about establishing cash flow for business or personal needs, buying a new home, making tax payments, or funding some other big expense, now is a good time to explore your borrowing options with your financial advisor. With your big picture in mind, your financial advisor can open the door to strategic borrowing options you may not have considered—options that help you meet today’s needs while keeping your overall financial plan on track.

Securities-based borrowing, for example, allows you to use eligible securities in your portfolio as collateral to access funds. This type of borrowing comes with special risks, so your financial advisor can help you determine whether this strategy is right for you.

Your financial advisor can also connect you to a Wells Fargo home lending consultant, who can walk you through a range of borrowing solutions, including a new mortgage or refinancing your existing mortgage. If you choose to move forward, they will personally guide you through the process from start to finish.

And keep in mind: As a Wells Fargo Advisors client, you may be eligible for a relationship discount.

Advice beyond investing is just a call away

It all starts with a conversation. Contact your financial advisor to schedule an account review and explore your borrowing options.

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 pledged 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 pledged securities may cause clients to suffer adverse tax consequences. Clients should discuss the tax implications of pledging securities as collateral with their tax advisors. Wells Fargo Advisors and its affiliates are not tax or legal 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 line 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.

Lending and other banking services available 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), Member 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 the Department 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.

Equal Housing Lender

Wells Fargo Bank, N.A., Member FDIC, is a banking affiliate of Wells Fargo & Company.

Brokerage products and services are offered through Wells Fargo Advisors, a trade name used by Wells Fargo Clearing Services, LLC, member SIPC, a separate registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. NMLSR ID 399801.