2. Manage Your Complete
Financial Picture
As the world of investment choices expands,
so does the complexity of managing your
financial assets. Simply finding the time to sort
through the monthly deluge of paperwork
from your various investment accounts is an
ongoing challenge. Sorting through all your
accounts to create a complete financial picture
is overwhelming. And your most important
objective — making informed investment
decisions for you and your family — often
appears to be more of a luxury than a necessity.
Now,you have a way to take control of your
financial assets.
The Overland Asset Management Account is
designed to streamline your entire financial portfo-
lio. By consolidating your investments under a
single account, the Overland Asset Management
Account helps you simplify your administration,
management and reporting needs, and maximize
your control of your financial situation. Best of all,
the Overland Asset Management Account gives you
more of something you can undoubtedly use — time.
3. Overland Asset
Management Account —
A Foundation for Long-Term
Financial Planning
The Overland Asset Management Account gives you
flexibility and control, plus so many other conven-
iences. Whether your portfolio holds stocks, bonds
or mutual funds, your Overland Asset Management
Account provides you with several advantages over
a traditional brokerage account. You’ll enjoy simpli-
fied record keeping, convenient fund access and
summarized tax and portfolio information, includ-
ing an annual summary statement. And, your
money is always working for you. Each evening,
every available cent is swept in to your choice of a
wide selection of money market funds, and invested
the following day.
How You Benefit from the Overland Asset
Management Account:
a Higher Earnings Potential
a
Automatic Daily Sweep at No Charge
a
Free Direct Deposit
a
Free Dividend Reinvestment
a Easy Access toYour Funds
a
CheckWriting
a
Platinum Debit Card
a Simplified Monthly Record Keeping and Paperwork
a
Clear and Informative Statement
a
Cost Basis
a
Realized and Unrealized Gain/Loss Summary
a The securities held in your Overland Asset Management
Account are protected against broker-dealer insolvency.
Securities and cash held in this brokerage account are
protected up to a value of $500,000 (limited to $100,000
for claims of cash) by the Securities Investors Protection
Corporation (SIPC). More information about SIPC is
available at www.sipc.org.Additional protection is
provided byTravelers Casualty and Surety Company
of America up to the total net equity balance of the
account limited to $900,000 on claims for cash held in
the account,in the event of broker-dealer insolvency or
liquidation.However,neither of these account protection
features protects against investment losses.
a Enhanced Borrowing Power
a Access to Around-the-Clock Account Information
a Tools for StreamlinedTax Preparation and
Portfolio Review
a
Expense Analyzer
a
Annual Summary Statement
Keep Your Money Working
Every Day Automatically
With a Overland Asset Management Account, you’re
assured that your money is always working for you.
All the available cash in your account — deposits,
dividends, interest and the proceeds from the sale of
securities — is swept automatically every evening in
your choice of taxable or tax-free money market
mutual funds, and invested the following business day.
4. Access Your Money
— Anytime,Anywhere
The Overland Asset Management Account also
offers you something else — convenience. You can
access the available funds in your Overland Asset
Management Account with our check writing
feature or the optional Platinum Debit Card.
Check Writing
Checks are charged against the available balance
in your Overland Asset Management Account. If
you’re an eligible margin account customer, you
may be able to write checks that exceed your cash
and money market fund balances.* There’s no
added fee for the unlimited check writing privilege,
and your assets continue to earn market dividends
until your check clears.
To help you with record keeping and reconciliation
of your account, your monthly statement will contain
the following information for each check written:
a Date Written
a Date Paid
a Check Number
a Payee
a Amount
a Expense Category
The Platinum Debit Card — Benefits at No Charge:
a
Concierge Service
Youcanobtainfreepersonalizedassistancefromaconciergewhowilldirect
youtothebesttravel,dining,entertainmentandretailestablishmentstomeet
yourparticularneeds.
a
Warranty Manager
Purchaseprotectionplanthatdoublesthelengthoftheoriginalmanufacturer’s
U.S.repairwarrantyforuptooneyearonwarrantiesofthreeyearsorless.
a
Purchase Security
Anextendedwarrantyplanwhichcoverspurchasesyoumakewithyour
OverlandAssetManagementAccountDebitCardagainsttheftordamage
for90days.
a
Zero Liability
Youarenotliableforanyunauthorizedtransactionsifyounotifyusina
timelymanner.
a
Travel Accident Insurance
Youareprovidedupto$1millioninaccidentaldeathanddismemberment
coverageforaccidentsincurredwhiletravelingwhenthefarewaspurchased
withtheOverlandAssetManagementAccountPlatinumDebitCard.Inconjunction
with a covered trip,you also have a baggage delay benefit amount of up to
$300.00.PleaserefertotheDescriptionofCoveragebrochurefordetails.
* Margin borrowing is not for everyone.It involves the exten-
sion of credit by Wells Fargo Investments,LLC secured by
collateral in your account.On the amount borrowed,you
will be charged interest at varying rates.There also may be
limits to your borrowing power.To determine if margin
trading is appropriate for you, you should examine your
investment objectives,financial resources,and risk tolerance.
Be sure to talk to your financial consultant about all procedures
involved in opening and maintaining a margin account.
5. Platinum Debit Card
Your optional Platinum Debit Card gives you
greater access to your cash, an array of enhanced
services to help simplify your busy lifestyle, added
security features for your protection, and allows
you to make purchases at establishments world-
wide. You can use your card for cash withdrawals
at thousands of Cirrus®
network Automated Teller
Machines (ATMs), or to withdraw cash at any
Wells Fargo®
ATM. Withdrawals at Wells Fargo®
ATMs are free of charge.
The Platinum Debit Card is not a credit card; it’s a
money access card. Purchases and cash withdrawals
are automatically debited against your Overland
Asset Management Account. There are no credit
card interest charges or monthly payments to make.
Plus, your paperwork is reduced and the need to
save various credit card statements is eliminated.
Streamline Your Taxes and
Portfolio Review
Simplify and Reduce Your Record Keeping
The key to successful money management is timely
and accurate information. You’ll receive a precise
record of all account balances and transactions each
month. A comprehensive and easy-to-understand
statement provides a snapshot of your entire
account. You’ll find a concise summary of holdings
according to asset category, as well as a detailed
description of securities, including call dates of
bonds and a projection of annual portfolio income.
You’ll receive an overview of your checking,
Platinum Debit Card and deposit activity for the
month to assist with account management. It’s like
having your own personal accountant reconciling
your financial records on a monthly basis.
With an Overland Asset Management Account,
you’ll also receive cost basis and gain/loss information
on your statement every month to help you monitor
your account — free of charge.
The Overland Asset Management Account annual
summary statement recaps your yearly financial
activity, making it a key tool at tax time. The annual
summary statement provides information you can use
to streamline the preparation of tax returns, review
your portfolio’s performance and plan future invest-
ments.* It includes:
a
A complete list and valuation of your current securities portfolio
a
Report of all securities purchases and sales that occurred
during the year,organized by security
a
Record of the entire year’s Platinum Debit Card activity
a
Accounting of all check writing,direct deposit,or automatic
payment activity for the year,including a recap of all checks
written by designated Expense Analyzer Codes
a
Review of important tax-related information that can aid
in tax preparation
* Your financial consultant cannot provide tax advice.Please see
your tax advisor to determine how this information may apply to
your own situation.
6. The Account Summary Statement —
an Accounting of Your Success
Thefirstpageofyourannualsummarystatementisanimportantfinancial
managementandplanningtool:anoverviewofyourentireOverlandAsset
ManagementAccountfeaturingseparatesummariesforyourassets,annual
incomeandtransactions.Thecategoriesinthisstatementinclude:
ᕡ PortfolioValue Summarycategorizesallyourholdingsbyassettype
alongwiththerespectivevaluesforeachassetgroupasofyearend.
ᕢ Income Summary showsyourannualincomewithsubtotals.
ᕣ Cash Flow Summaryshowseachtransactionduringtheyearthat
affectedyourcashand/ormoneymarketfundbalanceandissummarized
bycategory.
ᕤ Portfolio Distributionlistsallyourholdingsbyassettypeand,usinga
piechart,showsthepercentageofyourportfoliodistributedamongall
assettypes.
ᕥ Gain/Loss Informationshowstherealizedandunrealizedgainsand
lossesofyourinvestmentportfolio.
ᕦ The OverlandAssetManagementAccountClient Service number is listed
here for your convenience.Call 1-866-552-3313 if you have any questions
regarding checks,Platinum Debit Card transactions or other general
account information.
Track Expenses UsingYour Own Check Codes
Youcancodeeachofyourchecksaccordingtooneof20differentexpensecate-
gorieswiththeOverlandAssetManagementAccountExpenseAnalyzersystem,
includingfivecustomizedcodes.It'saneasyandeffectivewaytotrackexactly
whereyourmoneygoes.You’llhaveacompleterecordofyourcharitablecontribu-
tions,medicalexpenses,mortgage payments,unreimbursed business expenses
and other tax-deductibleexpensesallyearround—notjustforApril15.
a
There are three main categories — potential tax-deductible items,
personal financesandspecialpersonalcategories—withinthe20typesof
expensesthatyoucanusetotrackyourchecksbysimplyputtingan“X”
throughthecode.
a
Inthecenterofyourcheckyou'llfindalineofboxedletters.Witheachcheck
youissue,simply“X”theletterwhichcorrespondstotheexpensetype.Each
month,yourstatementwillincludetheexpensecategoryyou’vemarked
alongwitheachpostedcheck.
a
Inaddition,yourmonthlystatementwillconvenientlyshowtheexpense
describedforeachcheckyouhavewrittenduringthatmonth.
And,attheendoftheyear,youwillreceiveanannualsummarywhichwilllistall
issuedchecksbycategory—includingthoselistedastax-deductible—helping
youtoorganizeyourrecordsforyouraccountantand/ortaxpreparer.
The Overland Asset Management Account
Expense Analyzer Codes
Tax Deductible Personal Finances
A. Medical&Dental K. Clothing
B. Taxes L. Food
C. InterestExpenses M. Mortgage/Rent
D. Contributions N. Education
E. Casualty/Theft P. Insurance
F. UnreimbursedBusinessExpenses R. Recreation/Vacation
G. MiscellaneousDeductions S. HouseholdExpenses
T. Transportation
Personal Codes
U. ___________________ Y. ___________________
V. ___________________ Z. ___________________
W. ___________________
7. Take Advantage of These Free
Optional Services
Direct Deposit at Your Request
Your salary, Social Security, pension, or other recur-
ring payments can be deposited directly into your
Overland Asset Management Account. Your money
goes to work faster, so you can earn more in money
market dividends. And, you will not have to worry
about checks being lost or stolen, or piling up while
you travel.
Dividend and Interest Distributions
The Overland Asset Management Account makes
it easy for you to use your dividend and interest
income to meet monthly expenses. Simply write a
check against your monthly income. You can also
get access to your funds without having to write
a check at all. For example, you can use your
optional Platinum Debit Card to withdraw funds
at thousands of ATMs or make purchases at retail
establishments worldwide.
Dividend Reinvestment Service
You may want to consider our Dividend Reinvestment
Service if you do not require all of your dividend
income to meet expenses. It can be a useful tool
for anyone who holds dividend-paying securities
in their Overland Asset Management Account.
When you elect the Dividend Reinvestment Service,
your equity cash dividends, and mutual fund
payments resulting from capital gains and return-
of-capital distributions, will be reinvested automatically
in the securities that generated the cash payments.
And, you’ll enjoy this added investment power
without incurring additional commission charges.
Enhance Your Borrowing Power
Even More
As an Overland Asset Management Account client,
you can choose either a cash or margin loan account.
If you select a cash account, you’ll receive all the
benefits of the Overland Asset Management Account
except borrowing privileges.
If a margin loan account is suitable for you, you can
borrow against your marginable securities upon
approval. You can use the margin loan to purchase
more securities, or for any other purpose. Simply
write a check or use your Platinum Debit Card for
an allowable amount greater than your cash and
money market fund balance. The portion above
your available assets will be automatically debited
from your margin account as a loan.
That’s all there is to it. And, you’ll borrow at interest
rates that in many cases are less than those charged
by other financial institutions.
8. Take Control of Your Financial
Future — Today
Nearly everyone is looking for better ways to monitor
their assets while creating more time for themselves.
The Overland Asset Management Account is a
comprehensive and convenient tool if you want to
manage your investments under one umbrella.
The first step is to contact your financial consultant
who can fully explain the advantages of a an Overland
Asset Management Account and how it may benefit
you. Working with you, your financial consultant can
help develop or expand a long-term strategy to
manage your assets. Throughout the process your
financial consultant is available to guide you and to
answer your questions.
Let Us Help
The minimum initial deposit of cash and/or securities
required to open an Overland Asset Management
Account is $10,000. Client service is available by
calling (1-866-552-3313), 24 hours a day, seven days
a week to receive access to your account balances,
money market mutual fund yields, checks cleared,
deposits credited, check reordering, point-of-sale
transactions, and more.
Opening an Overland Asset Management Account
is easy. Talk to your financial consultant and get
started today.
Accounts are carried and cleared by Wells Fargo
Investments, LLC (member NYSE/SIPC), a non-bank
affiliate of Wells Fargo & Company.
