Important: Please retain this booklet with your 2009 tax records.

If you use the service of a tax advisor, please

furnish this booklet to him or her. This REMIC Tax Guide is provided for your general guidance. It is not intended to
be, nor should it be construed as, the basis of tax advice. Since tax laws can be very complex and subject to various
interpretations and frequent changes, you should consult your tax advisor. If you have questions about the Tax
Information Guide or your Annual Summary (Forms 1099), please contact your Financial Advisor.

2009 REMIC Tax Guide

Dear Investor:

We are pleased to offer you the 2009 REMIC 1099-OID and this REMIC Tax Guide. The REMIC 1099-OID is designed according to Internal Revenue
Service (IRS) requirements. We hope that this guide will be helpful in assisting you with your IRS tax reporting requirements. The enclosed REMIC
1099-OID and supplemental information should be used IN ADDITION TO INFORMATION REPORTED TO YOU IN YOUR 2009 ANNUAL SUMMARY
(FORMS 1099) which was issued to you in January or February. If you have any questions about the 2009 REMIC 1099-OID or REMIC Tax Guide,
please contact your Financial Advisor or Financial Consultant.

Real Estate Mortgage Investment Conduits (REMICs) were created by the Tax Reform Act of 1986. They consist of mortgage-backed securities or whole
mortgage loans and are formed as trusts, corporations, partnerships or segregated pools of assets. REMICs are a type of Collateralized Mortgage Obligation
(CMO), and the majority of CMOs today are issued in REMIC form. A REMIC election by the issuer subjects income earned from these securities to special
tax reporting requirements. Taxable income derived from a REMIC is determined by the amount of income earned rather than the amount of cash
actually received. In other words, income reflected on the enclosed Form 1099-OID for your REMIC securities represents interest accrued during the
applicable accrual periods. Generally, it will not match exactly the cash received in your account. Information used to calculate your reportable income is
provided by the issuer(s) and is included in your REMIC Form 1099-OID.

A Collateralized Debt Obligation (CDO) is a debt instrument secured by a pool of mortgages or other types of indebtedness. CDOs that elect REMIC
status also have specific tax reporting requirements. Interest income earned from both non-REMIC CMOs and all CDOs is taxable on a cash basis.

Commonly asked questions

Q 1. Why do I have to wait for accurate reporting figures associated with my REMIC/CMO securities?

A 1. A REMIC/CMO statement is not required to be mailed until March 15 because of the delayed receipt of mortgage payments and the time it takes
for issuers to calculate this information. For example, the Original Issue Discount (OID) accrual information is accelerated for mortgage principal
prepayments. Therefore, issuers generally provide information starting in mid-February and after the deadline for mailing other 1099 forms. The
Forms 1099 or Annual Summary statement you received earlier indicated we were waiting for this information to provide to you separately. To
avoid filing amended returns with the IRS, you were advised to complete your tax return after receiving your REMIC Form 1099-OID. If the issuer
did not provide any OID or accrual rates, the actual payments received that were not included on the original Form 1099-INT are included in Box
2 of Form 1099-OID. The one exception is if you held only one REMIC security and the issuer provided no accrual information, in which case we
issued an amended Form 1099-INT to report the cash interest amount.

Q 2. The interest reported on the REMIC Form 1099-OID does not match what I actually received. How can this be correct?

A 2. REMIC/CMO instruments for which REMIC status have been elected are taxable on an accrual rather than cash basis. Since there is a payment
delay on mortgage securities, there is likely to be a difference between the income “earned” in a given year and the income actually received.
Therefore, income will be reported prior to it being received. This difference is likely to be greatest in the year the security is purchased. Generally,
the difference will reverse over the life of the bond.

Example: An investor purchases 10 bonds ($10,000 face amount) of a REMIC issue with a 7% coupon rate for settlement on September 17, 2009. Generally,
there is a 30-day delay on interest from record date to payable date. Assuming the instrument has a month-end record date with a subsequent
payable date on the last day of the following month, the investor will receive interest payments of $58.33 per month in October, November and
December. The total cash received will be $174.99 for 2009. However, with a REMIC issue, the cash received is disregarded, and the taxable
income is calculated on an accrual rate provided by the issuer. For example, if the daily rate provided by the issuer is $0.191780 per bond from
settlement through the end of the year, the taxable interest reported is $203.29 (106 days x $0.191780 x 10 bonds). Conversely, when the bond is
sold or redeemed, taxable interest will only be calculated through the disposition date. As a result, the investor may receive a delayed interest
payment, which will not be subject to tax.

1
Q 3. Why do I receive the additional information provided on these issues?

A 3. IRS regulations require that we supply information provided by the issuer as to 1) the composition of REMIC assets, 2) the accrual periods and daily
rate of interest and/or OID accrual, and 3) the Adjusted Issue Price and Market Discount Fraction for each accrual period.

Q 4. How do I account for accrued interest paid on the purchase of my REMIC securities?

A 4. Since REMIC securities are reported based on your holding period, not on the amount of interest that you receive, you should not make an
adjustment for accrued interest paid. As with non-REMIC bonds, accrued interest paid at purchase will be recouped at the next interest payment.

Example: An investor purchases a REMIC bond for settlement on May 14, 2009 and pays $14.50 accrued interest. This represents accrued interest from
April 30 through May 13, which was due to the previous owner. On a non-REMIC bond, the amount of accrued interest paid may be subtracted
from the interest actually received to establish taxable income. However, since REMICs are reported on an accrual basis, taxable income will
be based on the holding period and not on the amount of interest actually received. In this case, the holding period would run from May 14
through December 31.

Q 5. What is original issue discount (OID)?

A 5. Original Issue Discount (OID) is the excess of the full redemption price at maturity over the issue price. OID is taxable as interest over the life of the
bond. If you own an OID obligation, you are generally required to include an amount of OID in your gross income each year you hold the obligation.

Q 6. Must I elect to recalculate OID?

A 6. Internal Revenue Service regulations indicate that a yearly adjustment may be applied to reportable Original Issue Discount (OID) figures to
reduce your tax liability, if applicable. If you elect not to recalculate your OID, the total amount reported is added to your cost basis less any
principal (and cash interest received on an all-OID bond) to determine your adjusted cost basis. (See “Cost Basis Adjustment” on page 7.)

Q 7. I have a REMIC for which my REMIC Form 1099-OID reflects investment expense. Why is there investment expense, and how do I report it on
my tax return?

A 7. Single-class REMICs must pass through excess income, such as investment expenses, to regular interest holders. If you own a single-class REMIC,
this investment expense is reported to you in Box 7 of your REMIC Form 1099-OID. The investment expenses are also included as income in Box 1
and/or Box 2. If you file Form 1040, you may deduct these expenses on the “Other expenses” line of Schedule A (Form 1040), subject to the 2% of
AGI limitation.

Q 8. I have a CMO investment which was reported as having only Original Issue Discount (OID). This pays regular interest. Why does it report
everything as OID, and how do I calculate my tax liability?

A 8. The determination of daily OID and regular interest is made by each REMIC issuer. Some issuers interpret IRS regulations to require that all
interest be reflected as OID if the initial interest accrual period of a security is longer than each subsequent period. The amount reported on the
1099-OID represents your reportable taxable income. Because taxable income is computed on an accrual basis, it generally will not match amounts
actually received. NOTE: Amounts reported as OID are added to your cost basis for the security. The actual cash received during the year is
subtracted from the basis (only when all reportable income is classified as OID). It is important to maintain these figures to calculate gain or loss
at disposition. If you purchased your security at a price either above or below the applicable adjusted issue price, you should adjust the taxable
figures on your Form 1040. (See “Adjustments to Reported Income” beginning on page 5.)

Q 9. The OID on my 1099 has increased dramatically for some investments. Why is this?

A 9. In accordance with federal tax regulations, the issuer must increase the OID accrual rates because of accelerated mortgage prepayments. This
activity results in a shortened estimated life of a security, thereby accelerating payoff projections and the associated OID. This will generally occur
when interest rates drop and homeowners decide to refinance their mortgage to obtain a lower mortgage interest rate.

Q 10. What calculations are used to arrive at the income reported on Forms 1099 for REMIC/CMO issues?

A 10. Reportable interest/OID income reflected on your Forms 1099 is based on the daily rates of accrual provided by the issuers of these securities. The
daily rates of accrual are included in your REMIC 1099 package. REMIC interest and OID are calculated by multiplying the number of bonds
owned by the number of days in the accrual period and then by the daily interest and OID accrual rates provided. (See example on page 3.)

2
Table A
Assume you purchased 15 Ryland 8.5% bonds (due 9/1/04), at a market price of $980 per bond, plus accrued interest. The settlement date was July 16, 2009.
The information provided by the issuer is multiplied by the number of bonds and number of days the REMIC was held to determine the reportable
interest and OID.

Sample daily rates of accrual as supplied to us by the issuer:

Discount
Start date End date Days held Daily INT rate Daily OID rate ADJ issue price
fraction
07/01 07/31 31 0.2284946 0.0295673 962.9338 0.0243604
08/01 08/31 31 0.2284946 0.0255803 963.2904 0.0216017
09/01 09/30 30 0.2361111 0.0246136 964.0834 0.0205590
10/01 10/31 31 0.2284946 0.0323275 964.8218 0.0284879
11/01 11/30 30 0.2361111 0.0392572 965.8240 0.0344604
12/01 12/31 31 0.2284946 0.0308849 967.0017 0.0290146

Table B
The interest and/or OID amounts are calculated according to the following calculations:

Daily OID Daily INT Accrued

Start date End date Days held Bonds Accrued OID
rate rate interest
(A) (B) (C) (AxBxC) (D) (AxBxD)
07/16 07/31 16* x 15 x 0.0295673 = 7.10 0.2284946 54.84
08/01 08/31 31 x 15 x 0.0255803 = 11.89 0.2284946 106.25
09/01 09/30 30 x 15 x 0.0246136 = 11.08 0.2361111 106.25
10/01 10/31 31 x 15 x 0.0323275 = 15.03 0.2284946 106.25
11/01 11/30 30 x 15 x 0.0392572 = 17.67 0.2361111 106.25
12/01 12/31 31 x 15 x 0.0308849 = 14.36 0.2284946 106.25
TOTALS 77.13 586.09
* The bond was actually held for 16 days of the first period as the purchase settled on 7/16/09.

NOTE: If the bond owned is an all-OID bond, both the OID and the interest accrual are included in the daily rate of OID provided by the issuer.

Q 11. How do I use the adjusted issue price and market discount fraction?

A 11. An investor purchasing a REMIC/CMO security in the secondary market at a premium or a discount to the Adjusted Issue Price (reflected for a
given period) may adjust the OID income or interest income reported by accruing market discount or amortizing acquisition premium over the
remaining life of the bond. An election must be made on your tax return. You may wish to consult your tax advisor as to the impact of this election.
The “Period Bond Premium” and “Period Market Discount” columns provide you with these amounts – provided your actual purchase price is
known to us.

Q 12. I did not purchase my REMIC security at the adjusted issue price. Can I recalculate my OID?

A 12. If you purchased your security at a price either above or below the applicable adjusted issue price, you should adjust the taxable figures on your
Form 1040. You can recalculate by using the rates supplied to you on your REMIC 1099-OID. The four separate categories which may apply to your
purchase are Acquisition Premium, Premium, Discount to the Adjusted Issue Price, and Par. (See “Adjustments to Reported Income” beginning
on page 4.) If we had your actual purchase price, the adjustment amounts are now included in the three columns titled “Period OID
Adjustment,” “Period Bond Premium” and “Period Market Discount.”

Q 13. Why is the income being for a REMIC security that I did not own?

A 13. If you own a REMIC that was described as one of the following, then you owned a “combinable-class” REMIC: (a) “MACR” (Modified and Combinable
REMIC) certificates issued by Freddie Mac; (b) “RCR” (ReCombinable REMIC) certificates issued by Fannie Mae; or (c) “MX” (Modifiable and
Exchangeable) certificates issued by Ginnie Mae. As is discussed in the prospectus for a combinable-class REMIC, tax reporting requirements are
very complex for these securities. An investor owning a combinable-class REMIC will own underlying classes that can combine regular interests
from the grantor trust, residual interests, OID accruals, coupon stripping and so on. To accomplish this complex tax reporting, the issuers will
generate and report income through underlying and notional principal CUSIPs instead of through the primary CUSIP. For example, for a combinable
REMIC, the sum of the face amount of the underlying CUSIPs may be greater than the primary’s face amount. This situation usually happens to
the combination classes containing I/O (interest only) classes. The face amount allocated to each of the underlying I/O classes is a “notional
principal” that is used as a reference to compute the amount of interest due on an I/O class. Holders are not entitled to the principal.

3
 Glossary
Accrual Method of Accounting — Reportable income is the amount of income earned on a REMIC security rather than the cash received.

Acquisition Premium — The purchase price is less than the stated redemption price at maturity but greater than the Adjusted Issue Price.

Adjusted Issue Price — The original issue price plus the OID accrued in all previous periods, less any principal payments for the security. These
figures are provided by the issuer(s). Amounts are expressed per $1,000 of original face value of the bond.

Bond — $1,000 face value of the REMIC. For example, a $10,000 face value REMIC consists of 10 bonds.

CUSIP Number — The security registration number.

Market Discount Fraction — The fraction of remaining unamortized market discount income that should be accrued for the period if the REMIC
was acquired with market discount. The fraction may also be used to compute the amount of amortizable bond premium allowed as a deduction in the
accrual period. Consult your tax advisor regarding treatment of market discount or market premium on your tax return.

Original Issue Discount (OID) — The excess of the full redemption price over the issue price.

Par — The purchase of a bond at its maturity value.

Premium — The purchase of a bond for which the purchase price is greater than the stated maturity value.

Adjustments to reported income

The following definitions and examples are provided to assist you in calculating adjustments to your reportable income, if applicable. This is not intended
to be, nor should it be construed as, the basis for tax advice. You should consult your tax advisor to determine what adjustments may be applied to your
reportable income.

1. Acquisition premium
If you acquired a REMIC security at a price greater than the Adjusted Issue Price (reflected for the corresponding period on your 1099-OID) but less than
the maturity value of the bond, you have an acquisition premium. Determine your acquisition premium by subtracting the Adjusted Issue Price for the
applicable period from your purchase price. Do not include accrued interest paid on the purchase unless all of the income on your REMIC 1099-OID for
the issue is classified as OID. Multiply that figure by the number of bonds you purchased. This premium must be amortized over the life of the bond using
the Market Discount Fraction information. The effect is to reduce the amount of OID taxable to you in the current year.

Table B: Assume you purchased 15 bonds at a market price of $980 per bond for settlement on July 16, 2009. The adjusted issue price for that purchase
(from the sample rates provided on page 3) is $962.9338 per bond. You have an acquisition premium of $17.07 per bond ($980 — $962.9338).
Multiply that amount by 15 bonds to arrive at your total acquisition premium of $256.05. This acquisition premium is multiplied by the market
discount fraction for that period to determine any reduction to the reportable OID for tax purposes. The amount of OID reduction is then
subtracted from the acquisition premium to arrive at the remaining premium. Each remaining premium is multiplied by the corresponding
market discount fraction to determine OID reduction for each period.

A B C D E

OID Premium after

Accrual Market discount Acquisition premium Reduction Adjustment
Period Fraction Remaining (B x C) (C - D)

07/16 - 07/31 0.0243604 256.05 6.24 249.81

08/01 - 08/31 0.0216017 249.81 5.40 244.41
09/01 - 09/30 0.0205590 244.41 5.02 239.39
10/01 - 10/31 0.0284879 239.39 6.82 232.57
11/01 - 11/30 0.0344604 232.57 8.01 224.56
12/01 - 12/31 0.0290146 224.56 6.52 218.04
Total OID reduction for 2009 $38.01

Acquisition Premium carried forward to next year is $218.04

IMPORTANT: Remember to reflect the total OID reported on your Schedule B of Form 1040 and show any adjustment (subtraction) to OID as a
separate line item (see “OID Adjustments” on page 7).

4
2. Premium
If you purchased a REMIC security at a price above the stated maturity value of the bond (exclusive of accrued interest paid at purchase), you bought at a
premium. You may be able to subtract out the entire amount of OID reported for that security. However, you must reflect the full amount of OID as interest
on Schedule B. Any OID reflected for the security can be subtracted out as a separate line item with the description of “OID adjustment” (see “OID
Adjustments” on page 7). To determine the amount of amortization applicable for 2009, you must amortize your premium each year by multiplying the
amount of your remaining premium by the market discount fraction for each period.

EXCEPTION: If your REMIC security is classified as an all OID security by the issuer, you must adjust your OID using the process described under
“Par” below.

3. Discount to adjusted issue price

If you purchased a REMIC security at a price less than the adjusted issue price, you bought at a market discount. The market discount fraction provides
you with the fraction of remaining market discount that should be accrued each period. Unless you have made an election on your 1040 Form to include
market discount in current income, the amount accrued does not have to be reported as taxable income until the earlier of when principal payments are
received or the REMIC regular interest class is sold at a gain. You should consult a tax advisor on determining how and when to report the accrued market
discount on your tax return.

4. Par
If you acquired or held a REMIC security for which you paid maturity value (exclusive of accrued interest paid at purchase), you may be able to subtract
out the entire amount of OID reported for that security. However, you must reflect the full amount of OID reported on your 1099-OID as interest on
Schedule B. Any OID reflected for the security can be subtracted out as a separate line item with the description of “OID adjustment” (see “OID
Adjustments” on page 7).

EXCEPTION: PURCHASE AT PAR OF AN ALL-OID BOND: If your REMIC security is classified as an all OID security by the issuer, you must adjust
your OID using the process outlined below.

Table C: Assume you purchased 10 bonds at a market price of $10,000 (par), with accrued interest of $13.33, with a settlement date of October 22, 2009.

Sample daily rates of accrual as supplied to us by the issuer:

From To Days Daily INT Daily OID ADJ issue Discount

date date held rate rate price fraction
10/15 11/14 31 0.0000000 0.2672853 955.9497 0.0102618
11/15 12/14 30 0.0000000 0.2913267 955.7713 0.0112616
12/15 12/31 17 0.0000000 0.2848923 957.4277 0.0064136

We report the interest and/or OID amounts according to the following calculations:

End Days OID

Start date Bonds Accrued OID
date held daily rate
(A) (B) (D) (AxBxD)
10/22 11/14 *24 x 10 x 0.2672853 = 64.15
11/15 12/14 30 x 10 x 0.2913267 = 87.40
12/15 12/31 17 x 10 x 0.2848923 = 48.43
TOTAL 199.98

*The bond was actually held for 24 days in the first period because the trade settled on 10/22/09.

5
The adjusted issue price for the period of purchase is $955.9497 per bond. Accrued interest paid of $13.33 ($1.333 per bond) is included in the purchase price,
since this security is classified as an all-OID bond. The market premium is $45.38 ($1,001.33 - $955.9497). Multiply the market premium per bond by 10
(number of bonds purchased) to arrive at your total market premium of $453.80. As displayed in the table below, $453.80 is multiplied by the market
discount fraction to arrive at the OID reduction for that period. The amount of OID reduction is then subtracted from the market premium to arrive at the
remaining premium. Each remaining premium is multiplied by the corresponding market discount fraction to determine OID reduction for each period.

A B C D E
OID Premium after
Accrual Market discount Market premium reduction adjustment
period fraction remaining (B x C) (C - D)
10/15 - 11/14 0.0102618 453.80 4.66 449.14
11/15 - 12/14 0.0112616 449.14 5.06 444.08
12/15 - 12/31 0.0064136 444.08 2.85 441.23*
Total OID reduction for 2009 $12.57

*Market Premium carried forward to next year is $441.23.

IMPORTANT: Remember to reflect the total OID reported on your Schedule B of Form 1040 and show any adjustment (subtraction) to OID as a
separate line item.

6
 OID adustments — Schedule B of Form 1040
„ When you report dividends and interest received through your
account with us on Schedule B of Form 1040, remember to report
those amounts in the name of First Clearing, LLC, and not in the
name of the security issuer. The IRS will receive this information
from First Clearing, LLC, as payer, and will match our reports with
your tax return. Please remember that your total taxable interest
income from First Clearing, LLC includes amounts reported in your
Annual Summary (Box 1 and 3 of your Form 1099-INT and/or Box 1,
2 and 6 of your 1099-OID) IN ADDITION TO amounts reported in
Box 1 and 2 of your REMIC 1099-OID.
„ Create a subtotal of all interest and OID income.
„ Subtract the amount of your OID reduction from your subtotal with a
description of “OID adjustment”. (Note: Your OID adjustment cannot
exceed the total amount of OID reported on your 1099-OID.)
Cost basis adjustment
Each year that you hold REMIC bonds, the cost basis is increased by the
amount of OID on which you pay tax. Additionally, basis should be
reduced by any principal payments received. For bonds that report only
OID, cost basis is calculated by adding the OID reported each year (plus
or minus any adjustment) to your original cost basis, then by subtracting
any cash and principal payments received on these bonds.

Official IRS Form 1099-OID instructions for recipient

Original issue discount (OID) is the excess of an obligation’s stated redemption price at maturity over its issue price (acquisition price for a stripped bond or coupon).
OID is taxable as interest over the life of the obligation. If you are the holder of an OID obligation, generally you must include an amount of OID in
your gross income each year you hold the obligation.
Obligations that may have OID include a bond, debenture, note, certificate or other evidence of indebtedness having a term of more than 1 year. For example, the OID
rules may apply to certificates of deposit (CDs), time deposits, bonus savings plans, and other deposit arrangements, especially if the payment of interest is deferred until
maturity. In addition, the OID rules apply to Treasury inflation-indexed securities. See Pub. 550, Investment Income and Expenses, for more information.
If, as the record holder, you receive Form 1099-OID showing amounts belonging to another person, you are considered a nominee recipient. Complete a Form 1099-OID
for each of the other owners showing the amounts allocable to each. File Copy A of the form with the IRS. Furnish Copy B to each owner. List yourself as the “payer” and
the other owner as the “recipient”. File Form(s) 1099-OID with Form 1096, Annual Summary and Transmittal of U.S. Information Returns, with the Internal Revenue Service
Center for your area. On Form 1096, list yourself as the “filer.” A husband or wife is not required to file a nominee return to show amounts owned by the other. If you bought
or sold an obligation during the year and you are not a nominee, you are not required to issue or file Form 1099-OID showing the OID or stated interest allocable to the
seller/buyer of the obligation.
Account number. May show an account or other unique number the payer assigned to distinguish your account.
Box 1. Shows the OID on the obligation for the part of the year you owned it. Report the amount in Box 1 as interest income on your income tax return.
However, depending on the type of debt instrument, the issue or acquisition date, and other factors (for example, if you paid acquisition or bond premium, or the
obligation is a stripped bond or coupon), you may have to figure the correct amount of OID to report on your return. See Pub. 1212, Guide to Original Issue Discount (OID)
Instruments, for details on how to figure the correct OID.
Box 2. Shows other interest on this obligation for the year, which is an amount separate from the OID. If you held the obligation the entire year, report this
amount as interest income on your tax return. If you disposed of the obligation or acquired it from another holder during the year, see Pub. 550 for reporting instructions.
If there is an amount in both Boxes 2 and 6, the amount in Box 2 is interest on a U.S. Treasury obligation and is exempt from state and local income taxes.
Box 3. Shows interest or principal forfeited if you withdrew the money before the maturity date of the obligation, such as from a CD. You may deduct this amount
to figure your adjusted gross income on your income tax return. See the instructions for Form 1040 to see where to take the deduction.
Box 4. Shows backup withholding. Generally, a payer must backup withhold at a 28% rate if you did not furnish your taxpayer identification number (TIN) or you did not
furnish the correct TIN to the payer. See Form W-9, Request for Taxpayer Identification Number and Certification, for information on backup withholding. Include this
amount on your income tax return as tax withheld.
Box 5. Shows the identification number (CUSIP number) or description of the obligation. The description may include the stock exchange, issuer, coupon rate and year
of maturity.
Box 6. Shows OID on a U.S. Treasury obligation for the part of the year you owned it. Report this amount as interest income on your federal income tax return, and see Pub.
1212 to figure any appropriate adjustments to this amount. This OID is exempt from state and local income taxes and is not included in box 1.
Box 7. Any amount shown is your share of investment expenses of a single-class REMIC. If you file Form 1040, you may deduct these expenses on the “Other expenses”
line of Schedule A (Form 1040) subject to the 2% limit. This amount is included in Box 2.

Accounts carried by First Clearing, LLC, Member SIPC.

Investment and Insurance Products: X NOT FDIC Insured X NO Bank Guarantee X MAY Lose Value
Wells Fargo Advisors, LLC is the trade name under which Wells Fargo & Company provides brokerage services through two registered broker/dealers: Wells Fargo Advisors, LLC, Member SIPC, and Wells Fargo Advisors Financial Network, LLC,
Member SIPC. Each broker/dealer is a separate, non-bank affiliate of Wells Fargo & Company. Accounts carried by First Clearing, LLC, Member SIPC. 0310-2095 [72057-v2] 3/10 e6224