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Investment and Insurance Products are:
 * Not Insured by the FDIC or Any Federal Government Agency
 * Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank
   Affiliate
 * Subject to Investment Risks, Including Possible Loss of the Principal Amount
   Invested

Wells Fargo Investment Institute, Inc., (WFII) is a registered investment
adviser and wholly owned subsidiary of Wells Fargo Bank, N.A., a bank affiliate
of Wells Fargo & Company.

The Private Bank offers products and services through Wells Fargo Bank, N.A.,
Member FDIC, and its various affiliates and subsidiaries. Wells Fargo Bank, N.A.
is a bank affiliate of Wells Fargo & Company.

Brokerage services are offered through Wells Fargo Advisors. Wells Fargo
Advisors is a trade name used by Wells Fargo Clearing Services, LLC, and Wells
Fargo Advisors Financial Network, LLC, Members SIPCOpens Dialog, separate
registered broker-dealers and non-bank affiliates of Wells Fargo & Company.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Wells Fargo Bank, N.A. offers various advisory and fiduciary products and
services including discretionary portfolio management. Wells Fargo affiliates,
including Financial Advisors of Wells Fargo Advisors, a separate non-bank
affiliate, may be paid an ongoing or one-time referral fee in relation to
clients referred to the bank. The bank is responsible for the day-to-day
management of the account and for providing investment advice, investment
management services and wealth management services to clients. The role of the
Financial Advisor with respect to the Bank products and services is limited to
referral and relationship management services. Some of The Private Bank
experiences may be available to clients of Wells Fargo Advisors without a
relationship with Wells Fargo Bank, N.A.

Wells Fargo and Company and its Affiliates do not provide tax or legal advice.
This communication cannot be relied upon to avoid tax penalties. Please consult
your tax and legal advisors to determine how this information may apply to your
own situation. Whether any planned tax result is realized by you depends on the
specific facts of your own situation at the time your tax return is filed.

CAR-0722-02013

LRC-0722


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