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6248 <br /> Deposit Insurance: General <br /> Please review the "Deposit Insurance: General" section of the Disclosure Statement for illustrations of <br /> the application of the Maximum Applicable Deposit Insurance Amount for various account types. <br /> Your CDs are insured by the FDIC to the Maximum Applicable Deposit Insurance Amount, including <br /> principal and interest, up to $250,000 per depositor per insured depository institution for each account <br /> ownership category. CDs of any one Issuer held through an IRA, Section 457 Plan, self-directed Keogh <br /> Plan and certain self-directed defined contribution plans will be insured up to $250,000. For purposes of <br /> the Maximum Applicable Deposit Insurance Amount, you must aggregate all deposits that you maintain <br /> with the Issuer in the same insurable capacity, including deposits you hold directly with an Issuer and <br /> deposits you hold through Wells Fargo Advisors and other intermediaries. You are responsible for <br /> monitoring the total amount of deposits that you hold with any one Issuer, directly or through an <br /> intermediary, in order to determine the extent of deposit insurance coverage available to you on your <br /> deposits, including the CDs. The firm is not responsible for any insured or uninsured portion of the CDs or <br /> any other deposits. <br /> In the event that you purchase a CD in the secondary market at a premium over the par amount (or <br /> accreted value in the case of a zero-coupon CD), that premium is not insured. <br /> Questions About FDIC Deposit Insurance Coverage <br /> Please carefully read the sections covering FDIC insurance in the Disclosure Statement, including <br /> "Deposit Insurance: General," "Deposit Insurance: Retirement Plans and Accounts," and <br /> "Questions About FDIC Deposit Insurance Coverage." You may also wish to contact your own <br /> attorney concerning coverage limits. The FDIC Office of Consumer Affairs can be reached by mail (550 <br /> 17th Street, N.W., Washington, D.C. 20429), by phone (877-275-3342 or 800-925-4618), by e-mail <br /> (dcainternet@fdic.gov) or at www.fdic.gov. <br /> Payment Under Adverse Circumstances. If it becomes necessary for federal deposit insurance <br /> payments to be made on your CD, you should be prepared for an intermediate delay in obtaining your <br /> funds. The FDIC is required to pay the original par amount plus accrued interest to the date of closing of <br /> the Issuer. No interest accrues during the period between the closing of the Issuer and insurance payment <br /> by the FDIC. <br /> Additions and Withdrawals. No additions are permitted to be made to your CD and you agree with the <br /> Issuer to keep your funds on deposit for the term of the CD. However, in the event of death or the <br /> adjudication of incompetence of the owner of a CD, early withdrawal of the CD will generally be permitted <br /> by the Issuer without penalty, subject to any applicable issuer limitations. Withdrawal of a portion of the <br /> owner's interest will not be permitted. Written verification acceptable to the Issuer will generally be <br /> required to permit early withdrawal under these circumstances. <br /> Secondary Market <br /> Wells Fargo Advisors, though not obligated to do so, may maintain a secondary market in the CDs after <br /> their Settlement Date. The secondary market for CDs may be limited, and the Firm cannot provide <br /> assurance that you will be able to sell your CDs prior to their maturity. <br /> In the event you choose to sell a CD prior to maturity, you may receive less in sale proceeds than either <br /> the original par amount of the CD, your original purchase price, or the estimated price on your account <br /> statement. To read more about the secondary market and associated fees please see the Disclosure <br /> Statement in the section entitled "Secondary Market". <br /> Federal Income Tax Consequences <br /> CDs purchased through the primary or secondary market are generally subject to United States federal <br /> income taxation. Please refer to the section entitled "Federal Income Tax Consequences" in the <br /> Disclosure Statement for a summary of the principal United States federal income tax consequences of <br /> the ownership of CDs. This discussion does not purport to deal with all of the federal income tax <br /> consequences applicable to all potential CD owners, including, without limitation, the tax consequences of <br /> receiving a rebate of placement fees from Wells Fargo. <br /> Page 4 of 4 <br />