Financial Solutions for Your Business

Financial Solutions for Your Business Asset Management Business Financing Card Services Electronic Services Employee Benefits Insurance International ...
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Financial Solutions for Your Business Asset Management Business Financing Card Services Electronic Services Employee Benefits Insurance International Market Risk Management Real Estate Treasury Management Wealth Management

Financial Solutions for Your Business Contents Business Financing

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Treasury Management

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Electronic Services

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Card Services

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International Services

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Market Risk Management

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Insurance

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Commercial Real Estate

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Asset Management

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Employee Benefits

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Personal Wealth Management

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To learn more about how Wells Fargo can serve your unique financial needs, contact your Wells Fargo relationship manager, or visit wellsfargo.com/com, click “contact us,” and one of our specialists will contact you.

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Add Some Horsepower to Your Business Since 1852, Wells Fargo has been a symbol of trust, security, and ingenuity. Our goal is to satisfy all of our customers’ financial needs and help them succeed financially. Our experienced relationship managers work hard to understand your business and develop customized solutions that help your business achieve its objectives. Relationship managers offer fast decisions and partner with a nationwide network of experts and internal support teams to ensure you receive the resources you need and the service you deserve. When you do business with Wells Fargo, you’re banking with an industry leader: •

We’re the #1 financial-services provider to middle-market businesses in our 23-state banking region, according to a leading independent-research firm.



We’re the 12th most-respected publicly held company in the world according to Barron’s magazine.



Forrester Research recognized Wells Fargo with the highest-rated business-to-business Web site.



Wells Fargo is ranked a “Top-50 Corporate Citizen” by The CRO magazine (Corporate Responsibility Officer) formerly Business Ethics magazine.

We’re also a leader in protecting the privacy and security of customer information so you can remain focused on what matters most: successfully running your business. Our stringent information-security policies and procedures for both team members and third-party vendors help us safeguard your information and assets while giving you more options to access your information. For instance, our awardwinning Commercial Electronic Office® (CEO®) portal lets you complete a range of transactions and access real-time account information efficiently and securely through a single sign-on. This brochure highlights how we can help your company or organization with business and real estate financing, treasury management, international services, asset management, insurance, market risk management, and more. It also shows how Wells Fargo can help you gain more control over your business processes using our online portal, offer competitive benefits to your employees, and develop strategies to meet your personal financial objectives.

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Business Financing Your company has big plans and you likely need financing to achieve them. Whether you’re looking for working capital to fund daily business operations or financing for a business acquisition or equipment purchase to help you compete more effectively, we have a lending option that will meet your needs. Working Capital Lines of Credit We offer revolving and non-revolving lines of credit with automatic pay downs, cash advances, and investment of your excess cash balances. Making advances is simple and convenient through our Commercial Electronic Office (CEO) portal. Term Loans Finance equipment, a change in ownership, a business acquisition, or other longterm goals with a term loan tailored to your circumstances. Wells Fargo can help you maximize profitability through a properly structured term loan where the repayment schedule matches your business cash flow. Equipment Leasing and Financing We provide financing and leasing options throughout the United States and Canada for virtually all equipment needs to help you preserve credit and liquidity, match payment schedules to cash flow, maximize tax benefits, and avoid the risks of equipment obsolescence. Our industry specialists provide customized solutions for companies manufacturing, distributing or acquiring technology, commercial vehicles, construction, corporate aircraft, manufacturing, or printing equipment. Sponsored and Leveraged Financing Wells Fargo develops and manages relationships with financial sponsors and private equity investment firms engaged in leveraged buyouts, management buyouts, acquisitions, and recapitalizations. Services include arranging senior debt for leveraged buyouts where a financial sponsor or private equity investor has a controlling interest. We can also arrange or provide mezzanine or subordinated capital. Public Finance Wells Fargo offers public finance funding solutions for the capital needs of government entities and non-profit organizations, featuring competitive rates on bonds, leases, and notes that are sold in local, regional, and national markets. We also help qualifying corporations obtain Industrial Revenue Bond (IRB) financing. Wells Fargo Public Finance (WFPF) bankers are registered representatives of Wells Fargo Brokerage Services, LLC, or Wells Fargo Institutional Securities, LLC, brokerage affiliates of Wells Fargo & Company and members of the NASD and SIPC. WFPF has entered into arrangements with its banking and other affiliates under which WFPF may pay compensation to them of up to 25% of its net fee for referrals and assistance in finding, soliciting, and obtaining business.

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Business Financing Private Equity Wells Fargo’s private equity arm, Norwest Equity Partners, is one of the premier private equity investment firms in the United States. We focus on equity investments in profitable and growing middle-market companies, providing the capital they need to reach their goals, primarily through management buyouts, recapitalizations, and growth financing. Cross-Border Lending For a U.S. company looking to establish a subsidiary or joint venture in another country, securing financing to improve production can be both difficult and expensive. Where most U.S. banks lend only against a company’s domestic collateral in the United States, our unique Cross-Border Lending service, available for select countries including China and Mexico, allows you to finance overseas credit needs secured, in part, by collateral held in another country. Rediscount Lending For both consumer and commercial finance companies—from other asset-based lenders and factors, to commercial real estate, equipment, insurance premium, and auto finance companies—we offer a number of flexible rediscount financing products. Traditional Asset-Based Lending Companies unable to obtain, or restricted by, conventional bank financing may find greater credit availability and flexibility in asset-based lending. With asset-based lending, you can obtain financing to address many business challenges: rapid growth, turnarounds, recapitalizations, seasonal sales fluctuations, short operating history, acquisitions and mergers, shareholder buyouts, and bankruptcy. Our credit facilities include revolving lines of credit and term loans secured by accounts receivable, inventory, machinery and equipment, real estate, and other assets. Nontraditional Senior Secured Lending As a complement to conventional lending, and in addition to more traditional assetbased lending products, we also offer nontraditional senior secured lending, secured by current and fixed assets as well as trademarks, patents, saleable contracts, recurring revenue streams, and enterprise value. We offer flexible, innovative facilities for customers in most industries, and dedicated expertise in many sectors: • Manufacturing, wholesale, distribution • Restaurants, other hospitality • Media, communications (lodging, gaming, etc.) • Multi-channel retail • Software, technology • Vacation ownership, resort development • Oil, gas Factoring Services Factoring—the purchase of your accounts receivable at a discount for cash—offers companies increased access to working capital. Our service is a scalable outsourcing tool, including credit protection (on the buyer’s financial risk), accounts receivable bookkeeping, collection and lockbox services, as well as letter of credit and working capital financing based on factored accounts receivable and finished-goods inventory. Our experienced and dedicated team can assist companies in many sectors: • • • •

Manufacturing, distribution • Apparel, textiles, furniture, Government contracting other retail items Import, export companies • Temporary staffing, other Trucking, transportation service providers 3

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Business Financing Industry-Specific Lending Wells Fargo can work with you to provide specialized lending tailored to the unique needs of your industry. In addition to the areas listed below, we also offer expertise in, and customized financing for industries such as education, solid waste, environmental, media and communication services, and banking and financial services.



Agriculture: We work with family- and corporation-owned farms, dairy and livestock producers, heavy equipment manufacturers, seed and fertilizer companies, food processors, and retailers. We provide operating lines of credit to finance the purchase of feed, cattle, and real estate, as well as equipment financing and hedging products.



Beverage: Whether you are a beverage distributor, bottler, or brand company, we have the hands-on experience and expertise to provide total financing solutions for everything from working capital lines to leveraged acquisitions and recapitalizations.



Energy: We offer energy-related companies a range of structured financing, including project/development financing, mezzanine financing, subordinated debt, and equity.



Franchises: We provide fixed- and floating-rate term loans and saleleaseback financing to multi-unit owners and operators of branded restaurants and convenience stores. Borrowers can be operators of public or privately held companies, including corporate restaurant brands and real estate developers with retail tenants.



Gaming: Our gaming team works in more than 30 jurisdictions that encompass resort casinos, racinos (race tracks plus casino games), and limited-stakes facilities. We provide construction loans, refinance bonds, equipment financing, and multi-tranche facilities.



Health care: We can provide taxable and tax-exempt funding for working capital, buildings and expansions, new laboratories, medical equipment, helicopters and ambulances, renovations, and more. We support many health care-related businesses including hospitals, clinics, physician practices, surgery centers, medical office buildings, 501(c)(3) entities, and assisted-living facilities.



Municipalities: We provide funding options* for city, county and state governments, other government agencies, districts, authorities, municipal utilities, and school boards. By issuing tax-exempt bonds, leases and notes, we can structure funding for utilities, airports, recreation facilities, museums, and crucial projects such as sidewalks, streets, lights, and more.



Technology: We offer financing for both later-stage pre-profit and established technology companies. Our team has local approval authority for working capital facilities, term loans, asset-based financing, trade finance, and equipment leasing. We also support the specialized financing needs of life sciences companies in the biotech, medical devices and systems, and software market segments.

* Services provided by Wells Fargo Public Finance (WFPF). WFPF bankers are registered representatives of Wells Fargo Brokerage Services, LLC, or Wells Fargo Institutional Securities, LLC, brokerage affiliates of Wells Fargo & Company and members of the NASD and SIPC.

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Treasury Management Whether you do business around town, across the country, or around the world, Wells Fargo treasury management can help you optimize your cash flow, improve account and transaction visibility, and simplify compliance. Our treasury management services receive the highest grades in Phoenix-Hecht Quality IndexTM surveys. Receivables Accelerate receivables when you deposit to your Wells Fargo accounts through our nationwide cash vault and lockbox networks, industry-leading remote deposit services, and banking stores in 23 states. We’ll help you reduce costs and speed cash availability by converting your receivables from paper to electronic. International companies keep foreign currency receipts close to home in our multi-currency accounts. Retailers process and manage credit card receipts with our merchant services. Payables Make efficient, cost-effective payments using our suite of payment products including global ACH services, commercial credit cards, stored value cards, wire transfers, and check services. You’ll slash your payment processing costs by moving from paper payments to electronic and help protect your accounts against unauthorized access by implementing our fraud-fighting tools. Information and Investments Our reporting and short-term investment services help you gain more visibility into your accounts and optimize your cash flow. A variety of treasury information reports delivered through our Commercial Electronic Office (CEO) portal help you get a holistic picture of your cash position, maximize use of your cash, make timely credit decisions, and improve customer service. Our Internet-based CEO WorkstationSM service automates and improves the accuracy of cash positioning and forecasting —at a fraction of the cost of traditional treasury workstation software applications. With an automatic sweep account, you can put available cash to work overnight while you can invest cash for longer periods in our commercial time deposit accounts. Technology Solutions Streamline your workflows with leading-edge treasury technologies, including image services, electronic check conversion, and Check 21 clearing. By outsourcing some of your payables and receivables processes to Wells Fargo, you can free your staff to focus on core functions. We do the work and transmit files for automated updating of your accounts payable and accounts receivable systems, treasury workstation, or enterprise resource planning system.

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Electronic Services To serve the financial needs of businesses online, Wells Fargo's award-winning Commercial Electronic Office (CEO) portal offers a single sign-on to more than 50 applications, including cash management, credit, foreign exchange, trade services, and trust and investment services. To help you stay connected to your accounts anytime, anywhere on your Web-enabled mobile device, Wells Fargo is the first major U.S. financial services company to deliver time-sensitive account information to your cell phone or PDA through our CEO MobileSM service. As a CEO user, you can customize when and how you view information, and select key account balances and report data that appear immediately upon log-in. You can also choose to receive direct e-mail alerts on designated transactions, such as when wires require approval, or when we’ve detected unauthorized ACH transactions. Through the CEO portal, you can initiate wires, view account activities, monitor for check fraud, deposit checks from your desktop, view images of deposited and disbursed checks, obtain real-time foreign exchange rates, send and receive payments in more than 100 currencies, manage loans and letters of credit, execute brokerage trades, and view trust account activity.

Card Services Card Programs When your employees use the WellsOne® Commercial Card, you can easily track their spending and manage payments. You can tailor the card to pay for equipment, supplies, travel, or fleet expenses, depending upon your employees’ needs. The Visa®-branded card provides security and control, and is accepted worldwide. Through our Commercial Electronic Office (CEO) portal, you can manage your commercial-card expense reports online.

We also offer private-label and dual-line Visa credit cards for retailers who want additional payment options for their customers. Our programs offer flexible credit plans, such as no-payment, no-interest, and reduced-rate terms, along with customized credit cards, applications, and billing statements. Your customers can apply for their cards and process their transactions online. As an alternative to payroll checks, our Visa-branded PayCard service lets you pay all of your employees electronically, including those without bank accounts. Your employees can conveniently access their pay at ATMs, point-of-sale merchants, or through cash advances at any domestic or international bank that issues Visa cards. Credit/Debit Card Payment Processing If your business sells to, and accepts payments from, customers in your stores, online, or over the telephone, our secure payment processing solutions can help you increase sales, reduce losses, and improve cash flow. We provide free online access to all transaction and financial data as well as expert advisors. With a Wells Fargo Merchant Services account, your business will receive payments from Visa and MasterCard® transactions as soon as the next business day when funding to a Wells Fargo deposit account.

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International Services Whether you simply buy from international suppliers or you have operations around the world, Wells Fargo provides guidance, support, and services to help you improve earnings, manage risk, and develop opportunities on the global stage. Foreign Exchange We offer a full range of foreign exchange services to help you with international payments and collections. In addition, we have the expertise to tailor risk management and hedging strategies to your unique needs. With 14 offices across the United States, we have one of the largest teams of FX specialists in the country. You can initiate transactions by working with one of our specialists or directly through our online services. International Treasury Management Through our Commercial Electronic Office (CEO) portal you can monitor and manage both domestic and international accounts. International ACH, foreign wires and drafts, multi-currency accounts and foreign account opening services are just some of the international treasury management reporting, payment, and collection tools available to you. Trade Services and Trade Finance An equity joint venture between Wells Fargo and HSBC Group, the Wells Fargo HSBC Trade Bank is the only nationally chartered bank in the United States dedicated exclusively to international trade. For companies involved in cross-border trade, the Trade Bank offers letters of credit, trade finance, U.S. Export-Import Bank sponsored programs, supply chain financing, and more to improve cash flow and expand your international opportunities. The Trade Bank offers the advantages of both global reach and local market understanding. Global Correspondent Banking For domestic operations of foreign-based companies requiring U.S. treasury services or U.S. companies needing commercial bank accounts in other countries, we offer a global network of correspondent banks and international specialists providing a high level of expertise and service. Our products and services for financial institutions and their customers include international products and banking alliances, credit, risk management, foreign exchange, corporate trust, treasury, and investment management services. International Personal Banking Wells Fargo International Personal Banking is a full-service, virtual retail branch that offers a suite of U.S. dollar financial services for your employees moving overseas for work or coming to the United States on assignment.

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Market Risk Management Ensuring financial stability for your business is key to its success. Our specialists can help you determine and manage your risk, whether from exposures to fluctuating interest rates, changes in equity and foreign exchange markets, or volatile commodity or energy prices. And we can show you how the right strategy will not only protect you, but provide you the financial flexibility and security you need to help your business succeed. We offer: •

Interest Rate Management—Whether your company is carrying debt or seeking new financing, we can build an interest rate structure tailored to your business and financial goals.



Commodity Price Management—Hedging structures help producers or consumers of energy and electricity, metals, or agricultural commodities to decrease price shock and stabilize cash flows.



Credit Risk Management—Protect trade or lease receivables and revenue from bankruptcy risk while you focus on maintaining your business.



Equity Risk Management—Customized strategies can protect stock value, enhance returns, and increase the borrowing capacity of your equity collateral.



Foreign Exchange—Foreign currency instruments can protect the dollar value of an overseas investment as well as future foreign currency receivables.

Insurance While no two businesses are alike, they all share the need to protect themselves against a variety of risks and losses. Fortunately, Wells Fargo has you covered, with a spectrum of insurance products including comprehensive commercial coverage, program administration, and international coverage. We have the third-largest retail insurance brokerage and largest bank-affiliated insurance brokerage in the country, which can help you create an insurance program to protect you, your business assets, your employees, and your bottom line. We specialize in developing customized commercial and risk management insurance programs for a range of industries that give you the coverage you need without creating overlaps or gaps that could subject you to higher costs or unnecessary risk. We also offer personal lines, administrative services, excess and surplus lines, reinsurance, international coverage, and a broad range of employee benefits, including accidental death and dismemberment, retirement plans, and major medical, dental, and vision plans.

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Commercial Real Estate If you’re a real estate developer or investor seeking to build your business, you need a lender who can provide real estate expertise and specialized real estate financing services. Wells Fargo is a national leader in commercial real estate, providing lending, servicing, advisory, intermediary, secondary market, and structured solutions to the commercial real estate industry. Real Estate Development Financing We provide a complete line of real estate products and services for experienced developers, including short-term construction loans, standing/bridge loans, secured and unsecured lines of credit, and letters of credit. Traditional Commercial Real Estate Loans Our services include long-term, fixed-rate, or floating-rate financing for many types of commercial real estate, including multifamily, offices, R&D flex, industrial, retail, hospitality, manufactured housing communities, and self-storage facilities. Nontraditional Real Estate Financing We offer recourse and non-recourse, long-term and short-term, and fixed- and floating-rate senior, and mezzanine loans for experienced real estate developers and investors with more challenging financing situations. We also offer acquisition, development, and construction financing for smaller homebuilders. Real Estate Investment Banking and Financing Through our subsidiary, Eastdil Secured, LLC, we provide full-service international real estate investment banking services. We have the highest partner-to-client ratio in the industry and specialize in providing brokerage services for individual properties and portfolios. We also have expertise in advising companies in the real estate segment on equity and debt financings, joint ventures, loan sales, entity sales and other transactions in the domestic/offshore, public/private, and debt/equity markets. Our services cover a broad spectrum of property types, including office buildings, retail centers, hotel resort properties, apartment communities, and R&D buildings and industrial parks. Eastdil Secured, LLC, is a wholly owned subsidiary of Wells Fargo & Company. Securities products are offered through Wells Fargo Securities, LLC (member NASD/SIPC).

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Asset Management However you want to manage your assets, Wells Fargo can serve your business’ needs. We offer a wide range of investment, trust and custody, and retirement plan services to corporations, hospitals, community banks, insurance companies, municipalities, foundations, and other institutional customers. Investment Management Through Wells Capital Management, a wholly owned subsidiary of Wells Fargo Bank, N.A., we specialize in managing separate account portfolios for corporations, pension plans, endowments, foundations, public agencies, health care, educational and sovereign organizations, insurance companies and operating funds. Our investment strategies include managed equity: small- and large-cap, growth, value, domestic and international; fixed-income: money management, long-duration, investment-grade and high-yield; and quantitative: passive investing, tactical overlays, and portable alpha. Institutional Trust Services Wells Fargo is recognized as a high-caliber provider of institutional trust services— including investment management, total retirement plan management, trust and custody solutions, and benefits consulting. Our exceptional people focus on developing relationships and providing a complete array of services that can be tailored to meet your organization’s needs. Shareowner Services Wells Fargo Shareowner Services acts as a stock transfer agent offering record keeping, dividend disbursement, employee stock purchase plans, corporate action services, stock option administration, IPOs, and annual meeting services for companies nationwide. Investment Banking Wells Fargo's investment-banking subsidiary, Wells Fargo Securities, LLC, provides advice and services for companies in the areas of debt, equity, and private capital markets; retail syndications; and through its division Barrington Associates, mergers and acquisitions. Wells Fargo Securities, LLC (member NASD/SIPC), is a non-bank affiliate of Wells Fargo & Company.

Corporate Trust Services If your business issues securities that are backed by assets in the municipal and corporate marketplaces, we offer a variety of fiduciary and agency services to help you with settlement and securities administration, back-up servicing, tax and SEC reporting, default and restructuring management, and more. We offer expertise in commercial mortgage-backed securities, asset-backed securities, collateralized debt obligations, municipal and corporate/high yield securities, escrows, and litigation settlement administration.

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Asset Management Institutional Brokerage & Sales We provide a range of investment services to institutions that direct all or part of their own investment portfolios. We help corporations, financial institutions, money managers, insurance companies and public entities manage both sides of their balance sheets, from investing excess cash in short- and long-term securities to underwriting debt to fund capital needs. We also help institutions manage their own investments through a comprehensive array of services, such as investment strategy development, portfolio accounting, and safekeeping services. Institutional Brokerage & Sales includes Wells Fargo Brokerage Services, LLC, and Wells Fargo Institutional Securities, LLC, brokerage affiliates of Wells Fargo & Company and members of the NASD and SIPC.

Mutual Funds Wells Fargo Advantage Funds® offers more than 125 mutual funds that cover nearly every investment category and style. The Funds are managed by 15 independent investment management firms, each chosen for its experience and disciplined approach to investing that includes a steady focus on long-term performance and risk management. Our approach to fund management allows these investment teams the freedom to do what they do best—manage money. Our mutual funds can help you provide employees with robust investment options within your company’s retirement plan. Institutions will find several ways of addressing short-term liquidity and cash management needs, as well as vehicles for long-term investing. Wells Fargo Advantage Funds builds on the investment heritage of Wells Fargo, which includes introducing one of the first index funds in 1971 and being among the first to apply asset allocation theories to portfolio management.

Carefully consider a fund’s investment objectives, risks, charges, and expenses before investing. For a current prospectus, containing this and other information, call 1-800-2228222 or visit www.wellsfargo.com/advantagefunds. Read it carefully before investing. Wells Fargo Funds Management, LLC, a wholly owned subsidiary of Wells Fargo & Company, provides investment advisory and administrative services for Wells Fargo Advantage Funds. Other affiliates of Wells Fargo & Company provide subadvisory and other services for the Funds. The Funds are distributed by Wells Fargo Funds Distributor, LLC, Member NASD/SIPC, an affiliate of Wells Fargo & Company.

INVESTMENTS: NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE

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Employee Benefits To recruit and retain the best employees, you need to offer them high-quality benefits. Wells Fargo offers services that are attractive to your employees and your bottom line. Employee Benefit Plans Wells Fargo can provide your organization with a comprehensive employee benefits program to help streamline plan administration and reduce overall costs. We offer retirement plan services, including qualified and nonqualified retirement plans, benefits consulting, and investment management; employee benefits, such as flexible spending accounts (cafeteria plans), health reimbursement accounts, consumer-driven health savings accounts, and voluntary employee beneficiary association (VEBA) trust services; and administrative services, such as compliance tools, claims administration, and toll-free benefits help lines. Financial Services Through the Wells Fargo Membership® program, you can expand your benefits to your employees with special discounts and offers on Wells Fargo accounts and services, at no extra cost to you.

If your company relocates employees to work in other countries, our International Assignee Program can make the transition easier. Your employees who move to another country for work can apply for consumer accounts, wire transfers, credit cards, and auto financing. Of course, we also offer a range of services and accounts to address your or your employees’ personal financial needs, from checking accounts to home mortgages and home equity lines, student loans, investment products*, and more. *Investment products are not FDIC insured.

Education Financing Through our ConSern Education Program® Benefit, you can help provide information to your employees about preparing and paying for education. We offer a comprehensive suite of student loan programs (subject to qualification) that make paying for education easy and affordable. Education is the cornerstone of success in life and Wells Fargo can help make it happen.

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Personal Wealth Management Wells Fargo can help you manage your personal wealth with the same quality products and level of service as we offer for your business needs. Our professionals can develop a personal financial management strategy appropriate for your immediate and long-term financial objectives, and offer sound solutions to further your wealth-building strategy. Wells Fargo Private Client Services and The Private Bank Our Private Client Services and The Private Bank offer comprehensive financial planning and wealth management designed to meet the complex financial needs of wealthy individuals. We offer clients investment management, brokerage services (provided through Wells Fargo Investments, LLC), life insurance, private banking, and trust and estate services, including a range of specialized services including philanthropy, elder services and business continuity planning.* *Wealth Management Group provides financial products and services through various banking and brokerage affiliates of Wells Fargo & Company including Wells Fargo Investments, LLC (member SIPC), a non-bank affiliate of Wells Fargo & Co. Financial Consultants and Private Client Advisors are registered representatives of Wells Fargo Investments. Wells Fargo Bank N.A., Member FDIC. INVESTMENTS: NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE

Lowry Hill Private Wealth Management Specializing in comprehensive asset management for more than 20 years, Lowry Hill provides a broad array of proprietary investment management and financial planning services to individuals, families, and foundations. An affiliate of Wells Fargo, we invest assets in proprietary portfolios which are diversified among large- and small-cap domestic equities, income equities, international equities, REITs, and fixed-income vehicles. Additional services include financial planning, custody services, account administration, foundation administration, and education of younger generations, as well as family partnership, private foundation, and trust management services. Serving clients in more than 40 states, we require $10 million in investable assets to begin a relationship and offer private equity investments for clients with $20 million to invest. Private Mortgage Banking Private Mortgage Banking provides highly affluent clients with innovative home financing strategies, tailored to fit complex financial situations. Our team can assist you with purchasing or refinancing your primary residence, a second home or vacation retreat, or an investment property, with mortgages in amounts up to $6 million. Your experienced private mortgage banker serves as your single point of contact, providing flexible home financing that leverages assets and complements your overall wealth management goals.

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© 2007 Wells Fargo Bank, N.A. All rights reserved. Wells Fargo, Wells Fargo Bank, and the Wells Fargo logo are trademarks of Wells Fargo Bank. Other trademarks are mentioned for identification purposes only and are the property of their respective owners. Member FDIC

WB-1086 8/07

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