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Is my money FDIC insured?

The FBO account is FDIC-insured on a “pass through” basis to the individual investors, subject to applicable limits. This means that each individual investor’s balance is protected by FDIC insurance, up to the aggregate amounts established by the FDIC. Other funds the investor has on deposit with Wells Fargo Bank, N.A., for example, may count against the FDIC insurance limits.

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