Asset-Backed Lending and

Liability Management

Liability management is an important component of any financial plan.

There could be opportunities for you to save additional dollars if existing lending solutions are no longer serving their needs. For example, a better lending solution could reduce your monthly loan payment. This increased cash flow could then be allocated towards realizing your goals.

Naismith Wealth Management | 2626 N Lakeview Avenue #307 |Chicago, Illinois 60614 | 312.757.4547 | www.naismithwealth.com

Lending Services

Securities-based borrowing offers a number of attractive features to meet your needs:

Access to cash when you need it Typically lower rates than other forms of credit No set-up, non-use or cancelation fees Ability to borrow between 50% and 95% of your

eligible assets' value, depending on the collateral and type of line of credit you receive

You can choose from different lines of credit to access funds for practically any purpose. As long as your account has sufficient eligible securities to use as collateral, this type of credit line may be easier to obtain and more cost-effective than other alternatives. Some of the most common uses include: Unexpected expenses Tax bills Home renovations Debt consolidation Real estate purchase Business opportunity

Asset-Backed Lending

Liability Management is equally

important as Asset Management Our partnership with First Clearing, LLC and TradePMR gives us the

ability to access the banking & lending capabilities of Wells Fargo Bank,

who provides a comprehensive suite of services for both individuals

and businesses. This grants you access to lending products designed to

preserve wealth, provide cost-effective & tax-efficient financing, and

meet your financial goals.

Note that the information provided is not intended to give any specific advice nor an offer to purchase or sell any securities. It purpose is for informational purposes only. Please remember that past performance may not

be indicative of future results. Information pertaining to Naismith Wealth Management operations, services and fees is set forth in our current disclosure statement, Form ADV Part 2A and 2B. A copy of which is available

at www.naismithwealth.com under Important Disclosure.

Margin Account Secured PrimeLine® Line of Credit

Custom Loans

Product Description

A convenient financing source to pursue investment opportunities or to meet other personal financing goals.

A line of credit backed by your eligible securities offered through Wells Fargo Bank.

Customized loans or lines of credit with flexible advance rates and terms.

Borrowing Need Any amount $100,000 minimum; ideal for $1 million - $5 million

Ideal for $5 million and up

Fund Access Check, check card, and wire transfer

Check, online transfer, and wire transfer

Wire transfer

Uses Anything including to purchase securities

Anything except to purchase securities or pay down margin

Anything except to purchase securities or pay down margin

Typical loan-to-value 50-90% based on asset class 50% - 95% based on asset class and underwriting option

50% - 95% based on asset class

Term No set expiration 36 months Varies

Interest Rate Index Broker’s Call Rate + 2.5% Wells Fargo Bank's Prime rate or LIBOR

Wells Fargo Bank's Prime rate or LIBOR

Payment Required No minimum monthly interest payment required

Monthly interest only Monthly interest only

Underwriting Requirement Collateral review Collateral and borrower review

Collateral and borrower review