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Command Asset ProgramA single, simplesolution to link yourbanking and investing

Clear choices,countless benefits,new growth opportunities —they’re all within reach.You’ve searched high and low. And withWells Fargo Advisors, your Financial Advisorand our Command Asset Program, you’ve found it:a powerful relationship tool to connect your entirefinancial world.InvestmentadviceUnlimitedcheck-writingand free checks2Online bankingand BillPayAccess OnlineRetirementplanningAnnual summaryand tax packageCheck CardVisa Credit Cardwith Rewards3Margin loansGain/lossreporting 4ExpensecodingBringing it full circleThe beauty of the CommandAsset Program is its simplicity.This single relationship linksinvesting and banking activity1for maximum convenienceand flexibility. Consider ita full circle of opportunitywith premium benefits andexceptional services atevery turn. Banking services are offered through Wachovia Bank, National Association, a subsidiary ofWells Fargo & Company. Check writing and check order fees apply to Command Asset Program for Business. For CommandAsset Program IRA, you must be over ½ to receive checks. Subject to credit approval. Credit cards issued by Wachovia Bank, N.A. an Equal Credit Opportunity Lender.A Business Visa credit card is available for business accounts. Contact your Financial Advisor for details. Gain/loss data shown on your account statement is for your information only and is not asubstitute for your own records and the year-end Form . Cost data and acquisition datesprovided by you are not verified by Wells Fargo Advisors. Please consult with your tax advisorto determine the tax consequences of your securities transactions.23

The wisdom ofimproved organizationYour progress summary provides values for all ofthe cash flowing into and out of the account alongwith the change-in-value for the period. The Valueover time graph illustrates your progress duringthe current year.One comprehensive statementYour portfolio summary categorizes yourinvestments by asset type for the last twoperiods. It shows both dollar values and portfoliopercentages, with the current month’s allocationpercentage displayed in the pie chart.Our comprehensive monthly statement is oneof the program’s most innovative features. It’sall there in black and white: account earnings,portfolio holdings, ATM transactions — the fullrange of your investing and banking activity,categorized and organized each month.You can choose to have a summary balanceof “Other assets,” such as checking accounts, and“Other liabilities,” including credit cards and creditlines, shown. Contact your Financial Advisorfor details.With the Command Asset Program, you and yourFinancial Advisor can easily identify potentialfinancial opportunities throughout the year.3.!03(/4ä*/(.g3ä#/--!. ä!##4*!.5!29ä ä ä*!.5!29ä ä 88!##/5.4ä.5-"%2 ää LUE#LOSINGäVALUEä4()3ä0%2)/ 4()3ä9%!2 S&IXEDäINCOMEäSECURITIES-UTUALäFUNDS ä!NNUITIES INSURANCE 0REFERREDS RäASSETS HERäASSETS/THERäLIABILITIESä02%6)/536!,5%ä/.ä %#ä #522%.46!,5%ä/.ä*!.ä ä %34)-!4% !. ä).#/-% Our comprehensive monthlystatement is one of the mostinnovative features of theCommand Asset Program. INäYOURäACCOUNT ä �STATEMENT 45

Command Asset Programstatement link serviceBy linking statements from other Wells FargoAdvisors accounts in your household to yourCommand Asset Program, your statements arriveeach month in one envelope with a cover pagesummary. It’s clean, easy and makes tracking allyour accounts simple.You’ll get a comprehensive overview of yourhousehold’s finances with trust accounts, IRAsand other investment accounts organized andsummarized in the same document. This allowsyou to quickly compare the total value of multipleaccounts over time.By gaining a clearer understanding of your entirefinancial situation each month, you and yourFinancial Advisor can determine the appropriateallocation strategies for your future.The annual summary and tax package5As tax season approaches, Command AssetProgram clients are armed with an indispensablefinancial management tool: our “Annual summaryand tax package.” This package provides anenhanced tax statement and an annual summaryin one concise document. Above all, it saves timeand money as you compile your end-of-year taxinformation and plan new investment strategiesfor the coming year. The annual summary andtax package includes: Table of Contents — Quickly locate theinformation you need Summary of reportable tax information Consolidated Forms 1099 Asset earnings summary — Breaks your portfolioearnings into taxable and tax-exempt categories6 Gain/Loss summary 7 — Compiles the last year’srealized and unrealized gains and losses Portfolio assets report — Provides both asummary and detailed descriptions of ayear’s worth of investments Expense tracking summary — Shows theamount of money spent in a range of categories, from mortgage payments to medicalexpenses to charitable contributions, for theentire year Account activity recap — Includes a summaryof all checks and Check Card transactions madein the last year A Report of other assets and liabilities —may include IRAs, credit cards and loans Available for certain personal and business accounts. Contact your Financial Advisorfor details. Consult with your tax advisor for specific guidance. Gain/loss data shown on your account statement is for your information only and is not asubstitute for your own records and the year-end form . Cost data and acquisition datesprovided by you are not verified by Wells Fargo Advisors. Please consult with your taxadvisor to determine the tax consequences of your securities transactions.67

Choosing wisely: unlimitedinvesting opportunitiesPersonal investment adviceYour Command Asset Program gives youunlimited access to professional investment adviceand research. Your Financial Advisor is available tohelp you make sound investment decisions to helpyou reach your short- and long-term goals. Fromstocks, bonds, mutual funds and other securities,your Financial Advisor will help you construct astrategy that’s appropriate for you.Account protectionYour cash and securities are protected throughthe Securities Investor Protection Corporation(SIPC) and London Underwriters (led by Lloyd’sof London Syndicated) (Lloyd’s).The Securities Investor Protection Corporation(SIPC) protects clients of its members up to 500,000 (including 100,000 for claims for cash).Above and beyond SIPC coverage, Wells FargoAdvisors has purchased additional insurancecoverage through Lloyd’s. For clients who havereceived the full SIPC payout limit, Wells FargoAdvisors’ policy with Lloyd’s provides additionalcoverage above the SIPC limits for any missingsecurities and cash in client brokerage accounts upto a firm aggregate limit of 1 billion (including upto 1.9 million for cash per client). Neither insuresthe quality of investments or protects against lossesfrom fluctuating market value. For more informationon SIPC coverage, please see the explanatorybrochure available at sipc.org.8Cash sweepYou can help ensure your money is always workingfor you with an automatic sweep of available cashbalances into the cash sweep option. This mayinclude employer, social security, and other directdeposits as well as dividends, interest andtrade settlements.Command credit line8and overdraft protectionYou can automatically access this credit lineagainst the value of your marginable securities bysimply writing a check or using your Check Card.Loan interest is minimized as deposits credited toyour account automatically pay down the creditline. This feature also provides overdraft protectionfor your Command Asset Program. Margin borrowing may not be suitable for all investors. When you use margin, you are subjectto a high degree of risk. Market conditions can magnify any potential for loss. The value of thesecurities you hold in your account, which will fluctuate, must be maintained above aminimum value in order for the loan to remain in good standing. If it is not, you will berequired to deposit additional securities and/or cash in the account, or securities in the accountmay be sold. Please carefully review the margin agreement which explains the terms andconditions of the margin account, including how the interest on the loan is calculated.9

Choosing wisely:valuable featuresWith Wells Fargo Advisors and the CommandAsset Program, you also have access to premiumbanking choices, including:Unlimited free checking9with expense trackingYou’re entitled to unlimited check-writingprivileges, and there’s never a monthly service fee.In addition, Command Asset Program clientsreceive free standard checks.9 Use expense trackingcodes on your checks to categorize expenditures.Wells Fargo Advisors Credit Card12with Wachovia Possibilities RewardsSMThis exclusive no-annual-fee card is the perfectcomplement to your Wells Fargo Advisorsrelationship. You’ll earn points with everyqualifying purchase11 or transaction you make withthe card. When you enroll a Wells Fargo AdvisorsCheck Card, you can combine points earned onyour Credit Card and Check Card and redeemthem for travel, merchandise, gift cards and more.Unlimited free IRAsYour Command Asset Program qualifies you toreceive unlimited, free Investment Account IRAswith a wide variety of offerings to assist you inpursuing your retirement goals.Visa Check CardUse your Check Card wherever Visa cards areaccepted, pay no monthly service fee and accessyour funds at more than 500,000 ATMs worldwide.Each transaction is deducted from your accountdaily and is recorded on your monthly statement. Ifyou use another bank’s ATM , we’ll refund up to fiveservice fees each month.10Earn Wachovia Possibilities RewardsSM pointsevery time you sign for qualifying purchases.11To receive this benefit, you must enroll yourCheck Card in the Wachovia Possibilities programat wachoviapossibilities.com or by calling888-440-7000. Check writing and check order fees apply to Command Asset Program for Business. For CommandAsset Program IRA, you must be over ½ to receive checks.Up to five non-Wachovia and Wells Fargo Advisors ATM uses per month refunded up to . per use.Subject to change. A “qualifying purchase”is any signature-based purchase, Internet purchase, phone or mail-orderpurchase, or bill payment made using an eligible enrolled Check Card and/or an activated Credit Card.A “qualifying purchase”does not include a purchase made using a Personal Identification Number.Additional restrictions apply. 10 Subject to credit approval. Credit cards issued by Wachovia Bank, N.A. an Equal Credit OpportunityLender. A Business Visa credit card is available for Business Accounts. Contact your Financial Advisorfor details.11