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<item><link>http://www.alacrastore.com/research/fitch-ratings-Fitch_Teleconf_U_S_Bank_Exposure_to_Commercial_Real_Estate_Losses_Today_11am_ET-538696_pr_frame</link><fitch:docid xmlns:fitch="http://www.alacra.com/fitch">538696_pr_frame</fitch:docid><guid isPermaLink="false">fitch/538696_pr_frame</guid><fitch:index_mode xmlns:fitch="http://www.alacra.com/fitch">html</fitch:index_mode><fitch:company xmlns:fitch="http://www.alacra.com/fitch">AmSouth Bancorporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Bank of America Corporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">BB&amp;T Corporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Capital One Financial Corporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Citigroup Inc.</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Commerce Bank, N.A</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Compass Bancshares, Inc.</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Fifth Third Bancorp</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">JP Morgan &amp; 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All rights reserved. All the news releases provided by Market Wire are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited.</newstex:CopyrightHolder><newstex:CreditLine xmlns:newstex="http://www.alacra.com/newstex">Milberg LLP</newstex:CreditLine><newstex:DateLine xmlns:newstex="http://www.alacra.com/newstex">NEW YORK, NY</newstex:DateLine><newstex:Provider xmlns:newstex="http://www.alacra.com/newstex">Newstex Inc.</newstex:Provider><newstex:ProviderId xmlns:newstex="http://www.alacra.com/newstex">newstex.com</newstex:ProviderId><newstex:PublicIdentifier xmlns:newstex="http://www.alacra.com/newstex">newstexMW-0001-39763298</newstex:PublicIdentifier><newstex:Publication xmlns:newstex="http://www.alacra.com/newstex">Marketwire</newstex:Publication><newstex:PublicationCode xmlns:newstex="http://www.alacra.com/newstex">0001</newstex:PublicationCode><newstex:Publisher xmlns:newstex="http://www.alacra.com/newstex">Marketwire</newstex:Publisher><newstex:PublisherCode xmlns:newstex="http://www.alacra.com/newstex">MW</newstex:PublisherCode><newstex:RevisionId xmlns:newstex="http://www.alacra.com/newstex">1</newstex:RevisionId><newstex:Source xmlns:newstex="http://www.alacra.com/newstex">Newstex Inc.</newstex:Source><newstex:SourceId xmlns:newstex="http://www.alacra.com/newstex">Marketwire</newstex:SourceId><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">11000000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">11009000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">02000000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">02002000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">02002004</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">02002006</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">11006000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">11006008</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">04000000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">04016000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">04016027</newstex:cat><pubDate>16 Nov 2009 02:22:18 EST</pubDate><newstex:event xmlns:newstex="http://www.alacra.com/newstex">18000000</newstex:event><newstex:event xmlns:newstex="http://www.alacra.com/newstex">18014000</newstex:event><newstex:geo xmlns:newstex="http://www.alacra.com/newstex">19000000</newstex:geo><newstex:geo xmlns:newstex="http://www.alacra.com/newstex">19001000</newstex:geo><newstex:geo xmlns:newstex="http://www.alacra.com/newstex">19001032</newstex:geo><newstex:loaddate xmlns:newstex="http://www.alacra.com/newstex">11/16/2009</newstex:loaddate><title>Milberg LLP Announces the Filing of a Class Action Against Wells Fargo Bank, N.A. and Bank of New York Mellon on Behalf of Investors in Medical Capital Holdings, Inc.</title><description> NEW YORK, NY, Nov. ##, #### (Marketwire delivered by Newstex) -- NEW YORK, NY -- (Marketwire) -- ##/##/## --  A class action litigation was filed on November #, #### against Wells Fargo Bank, N.A. ("Wells Fargo") and Bank of New York...</description><newstex:index_entry_company xmlns:newstex="http://www.alacra.com/newstex">WELLS FARGO &amp; CO</newstex:index_entry_company><newstex:index_entry_ticker xmlns:newstex="http://www.alacra.com/newstex">WFC</newstex:index_entry_ticker><category>News</category><alacra:ip>Newstex</alacra:ip></item><item><link>http://www.alacrastore.com/research/creditsights-Wells_Fargo_3Q09_Tearsheet-91382</link><cs:docid xmlns:cs="http://www.alacra.com/cs">91382</cs:docid><guid isPermaLink="false">cs/91382</guid><cs:index_mode xmlns:cs="http://www.alacra.com/cs">norm</cs:index_mode><cs:DS xmlns:cs="http://www.alacra.com/cs">TearsheetTemplate</cs:DS><cs:analyst xmlns:cs="http://www.alacra.com/cs">blancaster</cs:analyst><cs:analyst xmlns:cs="http://www.alacra.com/cs">dhendler</cs:analyst><cs:company xmlns:cs="http://www.alacra.com/cs">wells_fargo</cs:company><cs:companyFocus xmlns:cs="http://www.alacra.com/cs">wells_fargo</cs:companyFocus><cs:csid xmlns:cs="http://www.alacra.com/cs">91382</cs:csid><pubDate>13 Nov 2009 03:09:03 EST</pubDate><cs:ft xmlns:cs="http://www.alacra.com/cs">Yes</cs:ft><cs:postid xmlns:cs="http://www.alacra.com/cs">91382</cs:postid><cs:price xmlns:cs="http://www.alacra.com/cs">150</cs:price><cs:provider xmlns:cs="http://www.alacra.com/cs">CreditSights Inc</cs:provider><cs:region xmlns:cs="http://www.alacra.com/cs">united_states</cs:region><cs:regionMention xmlns:cs="http://www.alacra.com/cs">united_states</cs:regionMention><cs:sector xmlns:cs="http://www.alacra.com/cs">banks</cs:sector><cs:sector xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sector><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">banks</cs:sectorMention><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sectorMention><cs:status xmlns:cs="http://www.alacra.com/cs">Published</cs:status><cs:tag xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tag><cs:tagMention xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tagMention><title>Wells Fargo 3Q09 Tearsheet</title><cs:type xmlns:cs="http://www.alacra.com/cs">Tearsheet</cs:type><cs:typew xmlns:cs="http://www.alacra.com/cs">Tearsheet</cs:typew><cs:wcnum xmlns:cs="http://www.alacra.com/cs">976</cs:wcnum><description> Wells Fargo #Q## Tearsheet Wells Fargo's (A#/AA-(Neg)) ratings are on negative outlook at S&amp;P but are at stable from Moody's after being taken down to A#. Even if Wells is downgraded to single-A range through this cycle, over the long...</description><category>Credit &amp; Investment Research</category><alacra:ip>CreditSights</alacra:ip></item><item><link>http://www.alacrastore.com/research/creditsights-Wells_Fargo_To_Issue_Interest_Only_Loans_For_ARMs-91058</link><cs:docid xmlns:cs="http://www.alacra.com/cs">91058</cs:docid><guid isPermaLink="false">cs/91058</guid><cs:index_mode xmlns:cs="http://www.alacra.com/cs">norm</cs:index_mode><cs:DS xmlns:cs="http://www.alacra.com/cs">WWTemplate</cs:DS><cs:company xmlns:cs="http://www.alacra.com/cs">wells_fargo</cs:company><cs:companyFocus xmlns:cs="http://www.alacra.com/cs">wells_fargo</cs:companyFocus><cs:csid xmlns:cs="http://www.alacra.com/cs">91058</cs:csid><pubDate>12 Nov 2009 03:09:41 EST</pubDate><cs:ft xmlns:cs="http://www.alacra.com/cs">Yes</cs:ft><cs:postid xmlns:cs="http://www.alacra.com/cs">91058</cs:postid><cs:price xmlns:cs="http://www.alacra.com/cs">150</cs:price><cs:provider xmlns:cs="http://www.alacra.com/cs">CreditSights Inc</cs:provider><cs:region xmlns:cs="http://www.alacra.com/cs">united_states</cs:region><cs:regionMention xmlns:cs="http://www.alacra.com/cs">united_states</cs:regionMention><cs:sector xmlns:cs="http://www.alacra.com/cs">banks</cs:sector><cs:sector xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sector><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">banks</cs:sectorMention><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sectorMention><cs:status xmlns:cs="http://www.alacra.com/cs">Published</cs:status><cs:tag xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tag><cs:tagMention xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tagMention><title>Wells Fargo: To Issue Interest-Only Loans For ARMs</title><cs:type xmlns:cs="http://www.alacra.com/cs">WorthWatching</cs:type><cs:typew xmlns:cs="http://www.alacra.com/cs">Worth Watching</cs:typew><cs:wcnum xmlns:cs="http://www.alacra.com/cs">198</cs:wcnum><description> Wells Fargo: To Issue Interest-Only Loans For ARMs Wells FargoÂ (A#/(AA-(Neg)) is issuing interest-only loans to many option adjustable-rate mortgage (ARM) holders that would defer balances for up to #-## years, according to the WSJ....</description><category>Credit &amp; 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CO</newstex:index_entry_company><newstex:index_entry_ticker xmlns:newstex="http://www.alacra.com/newstex">BAC</newstex:index_entry_ticker><newstex:index_entry_ticker xmlns:newstex="http://www.alacra.com/newstex">C</newstex:index_entry_ticker><newstex:index_entry_ticker xmlns:newstex="http://www.alacra.com/newstex">WFC</newstex:index_entry_ticker><category>News</category><alacra:ip>Newstex</alacra:ip></item><item><link>http://www.alacrastore.com/research/creditsights-U_S_Banks_Boston_Conference_Highlights_Day_2-91028</link><cs:docid xmlns:cs="http://www.alacra.com/cs">91028</cs:docid><guid isPermaLink="false">cs/91028</guid><cs:index_mode xmlns:cs="http://www.alacra.com/cs">norm</cs:index_mode><cs:DS xmlns:cs="http://www.alacra.com/cs">ArticleTemplate</cs:DS><cs:abstract xmlns:cs="http://www.alacra.com/cs">We provide highlights from the second day of the BancAnalyst Association of Boston Conference. 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xmlns:ccbn="http://www.alacra.com/ccbn">2532274</ccbn:eventid><ccbn:headline xmlns:ccbn="http://www.alacra.com/ccbn">Final Transcript of WFC presentation, 6-Nov-09 10:00am ET</ccbn:headline><ccbn:name xmlns:ccbn="http://www.alacra.com/ccbn">Wells Fargo &amp; Company</ccbn:name><ccbn:price xmlns:ccbn="http://www.alacra.com/ccbn">54.0000</ccbn:price><ccbn:revision xmlns:ccbn="http://www.alacra.com/ccbn">Final</ccbn:revision><ccbn:storetitle xmlns:ccbn="http://www.alacra.com/ccbn">Wells Fargo &amp; Company  at BancAnalysts Association of Boston Conference Transcript</ccbn:storetitle><ccbn:ticker xmlns:ccbn="http://www.alacra.com/ccbn">WFC</ccbn:ticker><ccbn:time xmlns:ccbn="http://www.alacra.com/ccbn">10:00am ET</ccbn:time><title>Wells Fargo &amp; Company  at BancAnalysts Association of Boston Conference Transcript</title><ccbn:type xmlns:ccbn="http://www.alacra.com/ccbn">Transcript</ccbn:type><description>...Unidentified Participant Our next presenter is Wells Fargo. With us is John Stumpf, President and CEO. John's been in the business for ## years, dating all the way back to Norwest. He has seen a number of cycles, a number of changes in the industry, and he is here to give us his impressions on that and tell us which way the stagecoach is headed. Also with us, as everyone knows, Jim Rowe. Thanks, John. John Stumpf - Wells Fargo &amp; Company - President &amp; CEO Thank you and good morning. I think, Jim, you need this. Geez, it's so quiet. Well, good morning. It's a pleasure to be here. I got in late last night. I came in in a tux, because I actually came from New York. I had a big event there, and a couple of you saw me and said you didn't need to be that formal, John. You could just wear a tie. So I tried to dress down today to make it appropriate. But it is a pleasure to be here, a pleasure to spend time with all of you. And I am so proud to talk about our company and our business. In this presentation...

</description><category>Credit &amp; Investment Research</category><alacra:ip>Thomson StreetEvents</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/moodys/CMT_0000511807</link><moodys:docid xmlns:moodys="http://www.alacra.com/moodys">CMT_0000511807</moodys:docid><guid isPermaLink="false">moodys/CMT_0000511807</guid><moodys:index_mode xmlns:moodys="http://www.alacra.com/moodys">html</moodys:index_mode><pubDate>22 Oct 2009 05:27:00 EST</pubDate><moodys:format xmlns:moodys="http://www.alacra.com/moodys">html</moodys:format><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">Wells Fargo &amp; Company</moodys:issuer><moodys:issuer_list xmlns:moodys="http://www.alacra.com/moodys">Wells Fargo &amp; Company</moodys:issuer_list><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">560000</moodys:org_id><moodys:price xmlns:moodys="http://www.alacra.com/moodys">150.0000</moodys:price><moodys:printdate xmlns:moodys="http://www.alacra.com/moodys">21 Oct 2009</moodys:printdate><moodys:report_class xmlns:moodys="http://www.alacra.com/moodys">News</moodys:report_class><moodys:report_type xmlns:moodys="http://www.alacra.com/moodys">Issuer Comment</moodys:report_type><moodys:sector xmlns:moodys="http://www.alacra.com/moodys">C</moodys:sector><title>Wells Fargo &amp; Company Earnings Commentary -- Third Quarter 2009</title><description>Global Credit Research Issuer Comment ## OCT ####   Issuer Comment: Wells Fargo &amp; Company Wells Fargo &amp; Company Earnings Commentary -- Third Quarter #### For the third consecutive quarter, Wells Fargo reported higher-than- expected earnings...</description><category>Credit &amp; Investment Research</category><alacra:ip>Moody's Global Credit Research</alacra:ip></item><item><link>http://www.alacrastore.com/research/creditsights-Wells_Fargo_3Q09_Beat_Revenue_Machine_Out_of_Gas-90112</link><cs:docid xmlns:cs="http://www.alacra.com/cs">90112</cs:docid><guid isPermaLink="false">cs/90112</guid><cs:index_mode xmlns:cs="http://www.alacra.com/cs">norm</cs:index_mode><cs:DS xmlns:cs="http://www.alacra.com/cs">ArticleTemplate</cs:DS><cs:abstract xmlns:cs="http://www.alacra.com/cs">Wells Fargo reported 2Q09 EPS of $0.56, beating the Street consensus. Credit quality remains a concern as non-performing assets rose by +28% linked, highest among big bank peers.</cs:abstract><cs:analyst xmlns:cs="http://www.alacra.com/cs">blancaster</cs:analyst><cs:analyst xmlns:cs="http://www.alacra.com/cs">dhendler</cs:analyst><cs:analyst xmlns:cs="http://www.alacra.com/cs">klanspa</cs:analyst><cs:analyst xmlns:cs="http://www.alacra.com/cs">new_analyst</cs:analyst><cs:company xmlns:cs="http://www.alacra.com/cs">wells_fargo</cs:company><cs:companyFocus xmlns:cs="http://www.alacra.com/cs">wells_fargo</cs:companyFocus><cs:csid xmlns:cs="http://www.alacra.com/cs">90112</cs:csid><pubDate>22 Oct 2009 03:08:52 EST</pubDate><cs:ft xmlns:cs="http://www.alacra.com/cs">Yes</cs:ft><cs:postid xmlns:cs="http://www.alacra.com/cs">90112</cs:postid><cs:price xmlns:cs="http://www.alacra.com/cs">150</cs:price><cs:provider xmlns:cs="http://www.alacra.com/cs">CreditSights Inc</cs:provider><cs:region xmlns:cs="http://www.alacra.com/cs">united_states</cs:region><cs:regionMention xmlns:cs="http://www.alacra.com/cs">united_states</cs:regionMention><cs:sector xmlns:cs="http://www.alacra.com/cs">banks</cs:sector><cs:sector xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sector><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">banks</cs:sectorMention><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sectorMention><cs:status xmlns:cs="http://www.alacra.com/cs">Published</cs:status><cs:tag xmlns:cs="http://www.alacra.com/cs">bondscore</cs:tag><cs:tag xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tag><cs:tag xmlns:cs="http://www.alacra.com/cs">earnings</cs:tag><cs:tagFocus xmlns:cs="http://www.alacra.com/cs">earnings</cs:tagFocus><cs:tagMention xmlns:cs="http://www.alacra.com/cs">bondscore</cs:tagMention><cs:tagMention xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tagMention><title>Wells Fargo: 3Q09 Beat,Revenue Machine Out of Gas?</title><cs:type xmlns:cs="http://www.alacra.com/cs">EarningsNote</cs:type><cs:typew xmlns:cs="http://www.alacra.com/cs">Earnings Note</cs:typew><cs:wcnum xmlns:cs="http://www.alacra.com/cs">2873</cs:wcnum><description> Wells Fargo: #Q## Beat,Revenue Machine Out of Gas? Headline beats, but questions remain; last of the pre-recorded earnings calls as we sense Wells wants more of an opportunity to take on questions from the analytical community 
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These companies have interesting business models and they have to execute on...</description><newstex:index_entry_company xmlns:newstex="http://www.alacra.com/newstex">WELLS FARGO &amp; CO</newstex:index_entry_company><newstex:index_entry_ticker xmlns:newstex="http://www.alacra.com/newstex">WFC</newstex:index_entry_ticker><category>News</category><alacra:ip>Newstex</alacra:ip></item><item><link>http://www.alacrastore.com/research/s-and-p-credit-research-Bulletin_Wells_Fargo_Co_Rating_Unaffected_By_Reported_Third_Quarter_Earnings-752720</link><spcred:docid xmlns:spcred="http://www.alacra.com/spcred">752720</spcred:docid><guid isPermaLink="false">spcred/752720</guid><spcred:index_mode xmlns:spcred="http://www.alacra.com/spcred">norm</spcred:index_mode><spcred:dataset xmlns:spcred="http://www.alacra.com/spcred">global</spcred:dataset><spcred:dataset xmlns:spcred="http://www.alacra.com/spcred">pubfin</spcred:dataset><spcred:dataset xmlns:spcred="http://www.alacra.com/spcred">structured</spcred:dataset><pubDate>21 Oct 2009 01:04:00 EST</pubDate><spcred:price xmlns:spcred="http://www.alacra.com/spcred">100</spcred:price><title>Bulletin: Wells Fargo&amp;Co. 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Research</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/ccbn/B2465802</link><ccbn:docid xmlns:ccbn="http://www.alacra.com/ccbn">B2465802</ccbn:docid><guid isPermaLink="false">ccbn/B2465802</guid><ccbn:index_mode xmlns:ccbn="http://www.alacra.com/ccbn">norm</ccbn:index_mode><pubDate>21 Oct 2009 12:07:00 EST</pubDate><ccbn:eventid xmlns:ccbn="http://www.alacra.com/ccbn">2465802</ccbn:eventid><ccbn:headline xmlns:ccbn="http://www.alacra.com/ccbn">Edited Brief of WFC earnings conference call or presentation, 21-Oct-09 8:30am ET</ccbn:headline><ccbn:name xmlns:ccbn="http://www.alacra.com/ccbn">Wells Fargo &amp; Company</ccbn:name><ccbn:price xmlns:ccbn="http://www.alacra.com/ccbn">54.0000</ccbn:price><ccbn:revision xmlns:ccbn="http://www.alacra.com/ccbn">Edited</ccbn:revision><ccbn:storetitle xmlns:ccbn="http://www.alacra.com/ccbn">Wells Fargo &amp; Company Q3 2009 Earnings Pre-Recorded Conference Call Summary</ccbn:storetitle><ccbn:ticker 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Three Key Messages: #. Continue to generate earnings and capital at record rate in #Q##. a. Despite cyclically elevated credit costs. b. Due to diversified business model continues to generate strong revenue. c. #Q## revenue net of expenses more than double quarterly net charge offs. i. A positive margin of $#.#b. d. Increased shareholders equity by $##b since merger. i. Exceeded SCAP requirement by wide margin. #. Wachovia already additive to earnings and capital growth. a. Earlier and better than expected. b. Revenue synergies have been significant. c. Expense savings from consolidation on track for $#b annually by #### end. d. Now expect substantially lower merger/integration costs. e. Credit costs in aggregate in line with expectations at time of merger. i. Cumulative Pick-a-Pay losses now expected less than projected. #. Signs of stability in credit portfolio. a. Based on current economic outlook, expect credit losses to peak in ####. b. Expect consumer losses potentially peaking...

</description><category>Credit &amp; Investment Research</category><alacra:ip>Thomson StreetEvents</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/ccbn/T2465802</link><ccbn:docid xmlns:ccbn="http://www.alacra.com/ccbn">T2465802</ccbn:docid><guid isPermaLink="false">ccbn/T2465802</guid><ccbn:index_mode xmlns:ccbn="http://www.alacra.com/ccbn">norm</ccbn:index_mode><pubDate>21 Oct 2009 10:05:00 EST</pubDate><ccbn:eventid xmlns:ccbn="http://www.alacra.com/ccbn">2465802</ccbn:eventid><ccbn:headline xmlns:ccbn="http://www.alacra.com/ccbn">Final Transcript of WFC earnings conference call or presentation, 21-Oct-09 8:30am ET</ccbn:headline><ccbn:name xmlns:ccbn="http://www.alacra.com/ccbn">Wells Fargo &amp; Company</ccbn:name><ccbn:price xmlns:ccbn="http://www.alacra.com/ccbn">54.0000</ccbn:price><ccbn:revision xmlns:ccbn="http://www.alacra.com/ccbn">Final</ccbn:revision><ccbn:storetitle xmlns:ccbn="http://www.alacra.com/ccbn">Wells Fargo &amp; Company Q3 2009 Earnings Pre-Recorded Conference Call Transcript</ccbn:storetitle><ccbn:ticker xmlns:ccbn="http://www.alacra.com/ccbn">WFC</ccbn:ticker><ccbn:time xmlns:ccbn="http://www.alacra.com/ccbn">8:30am ET</ccbn:time><title>Wells Fargo &amp; Company Q3 2009 Earnings Pre-Recorded Conference Call Transcript</title><ccbn:type xmlns:ccbn="http://www.alacra.com/ccbn">Transcript</ccbn:type><description>...Bob Strickland - Wells Fargo &amp; Company - SVP, Director of IR Hello, this is Bob Strickland, thank you for participating in the Wells Fargo third-quarter #### earnings review pre-recorded call. Before we discuss our third-quarter results we need to make the standard securities law disclosure. In this call we will make forward-looking statements about specific income statement and balance sheet items and other measures of our future financial results and conditions, including statements about future non-accruals, loss content and cash flows from the legacy Wachovia impaired non-impaired loan portfolios, expected credit losses and credit performance generally and in specific loan portfolios , the adequacy of our allowance for credit losses, future levels of nonperforming assets, future levels of capital, the timing and amount of expected merger one-time expenses, cost savings and business and revenue synergies related to the Wachovia merger and other initiatives, and our ability to generate...

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