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securities-backed line of credit (sbloc) for financial professional use only. SBLOCs in Action Your client's need: tuition costs The SBLOC solution: Costs for private schools and universities continue to rise. Many homeowners will immediately think about borrowing against their home equity in order to access the cash to pay for tuition. An SBLOC will allow your client to use their portfolio as collateral instead. There are no hidden fees, they'll get a competitive rate without using their home as collateral, and will be able to pay the tuition bill on time. Your client's need: wedding expenses The SBLOC solution: No one wants to skimp when planning their child's wedding. A client also doesn't want to sell assets from their carefully crafted portfolio. An SBLOC will allow the client to leverage these assets instead of liquidating them. The client will get the cash they need, their portfolio will stay intact and they'll avoid the sale of securities that could result in a large capital gains tax. Your client's need: a dream home The SBLOC solution: The client is on vacation, visiting family or friends and suddenly there it is: the house of their dreams. To get the cash for a down payment, they could sell assets from their portfolio — a short term solution that could wreak havoc with their long-term investment goals. An SBLOC can provide the cash needed without moving any of the securities in the portfolio into cash — the only moving your client will be doing is in. Disclaimer: The stories presented represent hypothetical situations based on The Bancorp's experience with advisors and their clients. They are intended to illustrate different potential challenges and are not meant to guarantee that a client's needs or objectives will be met. Interest payment options By wire transfer The Bancorp Bank ABA number 031101114 Account number 119100 FBO account title/SBLOC loan account number By check The Bancorp Bank Attn: Loan Operations 409 Silverside Road, Suite 105 Wilmington, DE 19809 Please include the SBLOC loan account number on your check. By automatic payment (ACH authorization) Submit the completed ACH Loan Payment Authorization form (included with your original loan documents and available on our website under Client Resources and then Forms). Your clients' investment accounts are custodied at SEI Private Trust Company (SPTC), a limited purpose federal thrift and wholly owned subsidiary of SEI Investment Company. All Cash Access Account deposit and credit products are offered by, and any accounts opened in connection with such products will be held by, The Bancorp Bank, a state-chartered bank. Deposit accounts are maintained by The Bancorp Bank. They are FDIC insured up to $250,000. Other accounts that you have at The Bancorp Bank may impact your coverage. SEI Cash Access 409 Silverside Road, Suite 105 Wilmington, DE 19809 Securities-backed Lending Team P: 866.221.5307 F: 302.791.5787 seicashaccess.com seicaainfo.com Your client should consult a tax professional for any questions regarding potential tax implications involving their investment portfolio. © 2 0 1 4 - 2 0 1 5 S E I 1 5 1 4 8 9 C A A - M - 0 0 5 ( 0 7 / 1 5 )

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