EDUCATION
categories of market-linked investments
Market-linked Investments involve a trade-off between risk and return. Generally, the greater the potential return of a Market-linked Investment the greater the associated risks. Investors may select Market-linked Investments that fit their individual risk/return profile.

There are three categories of Market-linked Investments: Protection, Enhancement and Opportunity.









    Return of     Principal:
  Full (100%) at maturity1
    Term:

   3 - 7 Years
    Wrapper:

   Market-linked CD or Note
    FDIC Insured:

   CD: Yes2


  Note: No
    Benefits:   Full return of principal at maturity1
 
  Potential for capital appreciation
    Select     Considerations:    
  Credit exposure to the issuer for all amounts due, including the return of principal at maturity
 
  Opportunity cost of giving up a fixed for a variable rate of return





    Return of     Principal:
  Limited at maturity1
    Term:

   1.5 - 3 Years
    Wrapper:

   Market-linked Security
    FDIC Insured:

   No
    Benefits:   Potential for enhanced participation on the upside and outperformance on the downside
    Select     Considerations:    
  Possible loss of part of principal at maturity if underlying return declines below a specified amount
 
  Credit exposure to the issuer for all amounts due, including any return of principal at maturity
 
  Opportunity cost of giving up a fixed for a variable rate of return





    Return of     Principal:
  Full principal at risk
    Term:

   Typically short maturities
    Wrapper:

   Market-linked Security
    FDIC Insured:

   No
    Benefits:

   Potential for significant enhanced return participation on the upside
    Select     Considerations:    
  Possible loss of part or all principal at maturity if underlying declines
 
  Credit exposure to the issuer for all amounts due, including the any return of principal at maturity
 
  Opportunity cost of giving up a fixed for a variable rate of return


1 If applicable, any return of principal is only at maturity and, along with all amounts payable on Market-linked Investments, is subject to the credit of the issuer. See the offering documents for the specific terms and conditions of a given Market-linked Investment.

2 Subject to applicable FDIC insurance limitations.



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Risk Considerations
Before purchasing Market-Linked Notes, Securities or CDs (collectively referred to as "Market-Linked Investments"), investors should carefully consider the risks associated with an investment in the Market-Linked Investments and whether the Market-Linked Investment is a suitable investment for them. For Market-Linked Investments that offer full or limited return of principal, any return of principal is only if the Market-Linked Investment is held to maturity. On certain Market-Linked Investments with coupon payment features, investors may not receive coupon payments, and each coupon payment may be limited to any coupon cap stated on the relevant prospectus or disclosure statement. On certain Market-Linked Investments with basket components, changes in the closing prices of the basket components may offset each other. Economic and market factors may influence the value of the Market-Linked Investments. Market-Linked Investments are subject to liquidity risk, as a secondary market may not be available. Before investing, prospective investors should read the prospectus or disclosure statement, as applicable, relating to the particular Market-Linked Investment. In addition, investors are encouraged to consult with their investment, legal, accounting, tax and other advisors in connection with any investment in a Market-Linked Investment.

Disclaimer Pertaining to Wells Fargo Bank, N.A. issued Certificates of Deposit (CDs)
You may revoke your offer to purchase the CDs at any time prior to the time at which we accept such offer by notifying the applicable broker. We reserve the right to change the terms of, or reject any offer to purchase, the CDs prior to their issuance. We will notify you in the event of any changes to the terms of the CDs, and you will be asked to accept such changes in connection with your purchase of any CDs. You may also choose to reject such changes, in which case we may reject your offer to purchase the CDs.

Wells Fargo Bank N.A. and its affiliates are neither sponsored by nor affiliated with DWS Investments, Deutsche Investment Management Americas, Inc., or any of their respective affiliates.

This material is not intended as an offer or solicitation for the purchase or sale of any Wells Fargo Bank N.A. financial instrument.

The CDs, financial instruments or strategies mentioned herein may not be suitable for all investors. This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation of particular final instruments or strategies to you. Before acting on any investment recommendations, you should consider whether it is suitable for your particular circumstances and speak with your financial advisor.

Disclaimer Pertaining to BMO Harris Bank N.A. issued Certificates of Deposit (CDs)
BMO Harris Bank N.A. and its affiliates are neither sponsored by nor affiliated with DWS Investments Distributors, Inc., Deutsche Investment Management Americas, Inc. or any of their affiliates.

Disclaimer Pertaining to Citibank, N.A. issued Certificates of Deposit (CDs)
Citibank, N.A. and its affiliates are not affiliated with DWS Investments Distributors, Inc., Deutsche Investment Management Americas, Inc. nor any of their affiliates. CDs issued by Citibank, N.A. are not sponsored or endorsed by DWS Investments Distributors, Inc., Deutsche Investment Management Americas, Inc. nor any of their affiliates.

Disclaimer Pertaining to Bank of Montreal issued Notes and Securities
Bank of Montreal and its affiliates are neither sponsored by nor affiliated with DWS Investments Distributors, Inc., Deutsche Investment Management Americas, Inc. or any of their affiliates.

Disclaimer Pertaining to Citigroup Funding Inc. issued Notes and Securities
Citigroup Funding Inc. and its affiliates are not affiliated with DWS Investments Distributors, Inc., Deutsche Investment Management Americas, Inc. nor any of their affiliates. Notes and Securities issued by Citigroup Funding Inc. are not sponsored or endorsed by DWS Investments Distributors, Inc., Deutsche Investment Management Americas, Inc. nor any of their affiliates.

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