Wells Fargo & Company http://www.alacrastore.com/company-snapshot/Wells_Fargo_Company-1018072 Thursday, July 24, 2008 12:42:16 AM 1018072 Wells Fargo & Company en AlacraStore RSS Builder 1.0 30 http://www.alacrastore.com/storecontent/spcred/660253spcred/660253normThe latest Summary from S&Pglobalstructuredpubfin7/17/2008 6:41:00 PM175Summary660253United StatesDiversified BanksAsiaCanadaEmerging MarketsEurope, Middle East, AfricaLatin AmericaUnited StatesGlobal IssuersStructured FinancePublic FinanceFinancial InstitutionsAsset-Backed SecuritiesCollateralized Debt ObligationsResidential MBSSummaryStandard&Poor's Ratings Services' ratings on Wells Fargo&Co. reflect the franchise diversification, consistency in core earnings, and capital and risk management disciplines that continue to set Wells Fargo apart from its large bank peers. In the face of higher credit expenses, it posted record strong revenue of $11.8 billion in second-quarter 2008 despite the challenging business environment, and had pretax preprovision income of $5.6 billion in the quarter, up 34% from one year ago. Wells Fargo posted an elevated credit provision of $3 billion in the second quarter, $400 million higher than the first-quarter provision. Included in this is $1.5 billion toward a reserve build. The reserve for loans increased to a comfortable 1.88% of loans atUSA33630H66938366733266938F66938A66938B66938E94974J9497C0U9497494974694974B66938094974090957240101010 401010 4010 40Wells Fargo&Co.101704ASIACANEMERGINGEUROMIDAFRLATAMERICAUSAWFCSUMMARYGLOBISSSTRUCPUBFINFIABSCDORMBSCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/moodys/PR_159385_560000moodys/PR_159385_560000htmlGlobal Credit Research Announcement ## JUL #### Announcement: Wells Fargo & Company Moody's comments on Wells Fargo's second quarter results New York, July ##, #### -- Moody's Investors Service saw no rating implications regarding...7/17/2008 12:59:11 AMhtmlWells Fargo & CompanyWells Fargo & Company560000150.0000NewsAnnouncementPR_159385_560000Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/ccbn/B1889113ccbn/B1889113norm...Mortgage originations [of] $##b and new mortgage applications [of] $###b, almost entirely in agency conforming and government guaranteed mortgages. ... 7/16/2008 11:11:14 PMWells Fargo & Company106.0000EditedQ2 2008 Wells Fargo & Company Earnings Pre-Recorded Conference Call SummaryWFC8:30am ETBriefB1889113Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/ccbn/T1813871ccbn/T1813871norm... - Wells Fargo - IRThis is Bob Strickland. Thank you for calling in to the Wells Fargo first-quarter #### earnings review prerecorded call. Before we talk about our first-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 future results of operations and financial conditions, including statements about future credit quality and losses generally and specifically that we expect losses in the first mortgage portfolio to increase if housing prices continue to decline; that based on the current interest rate environment most of our adjustable-rate mortgages at Wells Fargo Financial scheduled to reset during the remainder of #### will reset at or below their current rate; and that we expect the performance of the liquidating home equity portfolio to continue to deteriorate until real estate markets begin to stabilize or until we manage through... 7/16/2008 5:11:06 PMWells Fargo & Co.54.0000Q1 2008 Wells Fargo & Company Pre-Recorded Earnings Conference CallWFC8:30AM ETTranscriptT1813871Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/ccbn/B1813871ccbn/B1813871norm...Ability to earn through higher credit costs reflected benefit of diversified business model and attractive growth opportunities taken. ... 7/16/2008 5:10:54 PMWells Fargo & Co54.0000Q1 2008 Wells Fargo & Company Pre-Recorded Earnings Conference CallWFC8:30AM ETBriefB1813871Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/cs/71727cs/71727norm Wells Fargo: #Q## Beats – Source of Strength in Banking Sea of Uncertainty Wells Fargo beat consensus estimates Net interest margin up strongly and largely offsets rise in loan losses Core deposit growth exemplifies the company's...717273586YesD0Article353corp3033Capital Structure67Earnings Reports - Financials32Mortgages7/16/2008 2:19:06 PM150Wells Fargo 2Q08 EPS ahead of consensus. Credit quality provisions were higher but mostly offset by higher mortgage banking revenue and net interest income. Deposit inflows shows strength of firm and allows it to be more opportunistic.71727Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/ccbn/T1889113ccbn/T1889113norm... - Wells Fargo & Company - Director of IR Hello, this is Bob Strickland. Thank you for calling into the Wells Fargo second-quarter #### earnings review pre-recorded call. Before we discuss our second-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 future results of operations and financial conditions including statements about future credit quality and losses generally and specifically that we expect higher losses in the home equity portfolio until home prices stabilize, that we believe we can mitigate losses by working with customers who are experiencing financial stress and that based on the current interest-rate environment most of our adjustable rate mortgages at Wells Fargo Financial scheduled to reset during the remainder of #### will reset at or below their current rate. Forward-looking statements give our expectations about... 7/16/2008 11:12:36 AMWells Fargo & Company106.0000FinalQ2 2008 Wells Fargo & Company Earnings Pre-Recorded Conference Call TranscriptWFC8:30am ETTranscriptT1889113Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/moodys/PBC_109664moodys/PBC_109664pdf...Wells Fargo s financial strength rating is A. Wells Fargo is rated Aaa for deposits. The holding company s senior debt is rated Aa#. Wells Fargo and Company s (WFC)s A bank financial strength rating (BFSR) reflects Wells Fargo s very strong retail and middle-market banking franchise, its good earnings diversification by product and geography, as well as its superior profitability record. WFC has a highly focused sales culture backed up by solid risk management. We believe that these a ttributes should result in earnings and a risk profile that are more predictable. T he rating also reflects strong capital and a prudent liquidity profile. ... 7/10/2008 12:22:14 PMpdfWells Fargo & CompanyWells Fargo & Company560000300.0000AnalysisAnalysisPBC_109664Credit & Investment ResearchMoody's Global Credit ResearchUS - Wells Fargo Insurance Services Inc acquired American Med-Scan, provider of insurance brokerage services.7/10/2008 11:43:38 AM94968W03469Q94974603469QWells Fargo Insurance Services IncAnerican Med-ScanWells Fargo & Co,San Francisco,CaliforniaAnerican Med-Scanhttp://www.alacrastore.com/storecontent/Thomson_M%26A/Wells_Fargo_Insurance_Svcs_Inc_acquires_Anerican_Med_Scan-1994606020sdc/19946060201994606020Copyright © 2008, Thomson Financial, All Rights ReservedInsuranceUnited StatesInsurance agents, brokers, and service6411ILIllinoisSubsidiary6411:Insurance agents, brokers, and service8748:Business consulting services, nec6021:National commercial banks6141:Personal credit institutions6159:Misc business credit6162:Mortgage bankers and loan correspondents6282:Investment advice6712:Offices of bank holding companies7359:Equipment rental and leasing, necInsuranceUnited StatesInsurance agents, brokers, and service6411INIndianaPrivate200830005Bank holding coPvd ins brkg svcsUnspecifiedAssets1027966001Jul 10 20080.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.000005.000006.000007.000008.000009.0000010.0000011.00000Wells Fargo Insurance ServicesInc, located in Chicago,Illinois, provides insurancebrokerage services,administrative services, aswell as a wide range offinancial and consultingservices, to thousands ofclients from over 150 localoffices across the nation. Thecompany was founded in 1989.Wells Fargo Insurance Services Inc, located in Chicago,Illinois, provides insurance brokerage services,administrative services, as well as a wide range offinancial and consulting services, to thousands of clientsfrom over 150 local offices across the nation. The companywas founded in 1989.Wells Fargo Insurance Services Inc, located in Chicago, Illinois, provides insurance brokerage services, administrative services, as well as a wide range of financial and consulting services, to thousands of clients from over 150 local offices across the nation. The company was founded in 1989.1.000002.000003.00000American Med-Scan, located inCarmel, Indiana, providesinsurance brokerage services.American Med-Scan, located in Carmel, Indiana, providesinsurance brokerage services.American Med-Scan, located in Carmel, Indiana, provides insurance brokerage services.0.000000.000000.000000.00000N08 Jul 08Tue, 08 Jul 2008 00:00:00 ESTDate Announced: 07/08/200808 Jul 08Date Effective: 07/08/200808 Jul 08Acq. of AssetsFriendly0.000000.000000.000000.000000.000000.00000Price/Share0.0000000.000000.0000000.00000100.00000100.000000.000000.000000.0000000.00000N0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.00000100.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.00000US - Wells Fargo InsuranceServices Inc acquired AmericanMed-Scan, provider ofinsurance brokerage services.US - Wells Fargo Insurance Services Inc acquired American Med-Scan, provider of insurance brokerage services.US - Wells Fargo Insurance Services Inc acquired American Med-Scan, provider of insurancebrokerage services.US - Wells Fargo Insurance Services Inc acquired American Med-Scan, provider of insurance brokerage services.US - Wells Fargo Insurance Services Inc acquired American Med-Scan, provider of insurance brokerage services.Completed0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.00000Status:Completed-999.00000np0.00000-999.00000np0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000006411:Insurance agents, brokers, and service8748:Business consulting services, nec6443002New YorkUnited States6021CaliforniaPublicWFC6411:Insurance agents, brokers, and service8748:Business consulting services, nec1027966001United States6411IndianaPrivate0.000000.000000.000000.00000Deal InformationThomson Financial Mergers & AcquisitionsUS - Wells Fargo Co definitively agreed to acquire the banking operations of Farmers State Bank, a unit of FSB Bancorp Inc. Terms were not disclosed. The transaction was subject to shareholders approval.6/24/2008 2:22:38 PM94974031040W94974631040PWells Fargo & Co,San Francisco,CaliforniaFarmers State Bank,Fort Morgan-Banking OperationsWells Fargo & Co,San Francisco,CaliforniaF.S.B Bankcorphttp://www.alacrastore.com/storecontent/Thomson_M%26A/Wells_Fargo_Co_California_acquires_Farmers_State_Bank_Banking_from_F_S_B_Bankcorp-1989321020sdc/19893210201989321020Copyright © 2008, Thomson Financial, All Rights ReservedNew YorkCommercial Banks, Bank Holding CompaniesUnited StatesNational commercial banks6021CACaliforniaPublicWFC6021:National commercial banks6141:Personal credit institutions6159:Misc business credit6162:Mortgage bankers and loan correspondents6282:Investment advice6712:Offices of bank holding companies7359:Equipment rental and leasing, nec6021:National commercial banks6141:Personal credit institutions6159:Misc business credit6162:Mortgage bankers and loan correspondents6282:Investment advice6712:Offices of bank holding companies7359:Equipment rental and leasing, necCommercial Banks, Bank Holding CompaniesUnited StatesNational commercial banks6021COColoradoSubsidiary6443001Bank holding coBank hldg coUnspecifiedAssets1024330001Jun 24 20080.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.000005.000006.000007.00000Bank holding company; provideequipment leasing services;real estate,and agriculturalfinancing services; providebusiness and personal creditservices; provide investmentadvisory servicesBank holding company; provide equipment leasing services;real estate,and agricultural financing services; providebusiness and personal credit services; provide investmentadvisory servicesBank holding company; provide equipment leasing services; real estate,and agricultural financing services; provide business and personal credit services; provide investment advisory services1.000002.000003.000004.00000Banking Operations of FarmersState Bank, located in FortMorgan, Colorado, providescommercial banking services.Banking Operations of Farmers State Bank, located in FortMorgan, Colorado, provides commercial banking services.Banking Operations of Farmers State Bank, located in Fort Morgan, Colorado, provides commercial banking services.0.000000.000000.000000.00000N19 Jun 08Thu, 19 Jun 2008 00:00:00 ESTDate Announced: 06/19/2008Date Effective:Acq. of AssetsFriendly0.000000.000000.000000.000000.000000.00000Price/Share0.0000000.000000.0000000.000000.000000.000000.000000.000000.0000000.00000N0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.00000100.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.000005.000006.000007.000008.00000US - Wells Fargo Codefinitively agreed to acquirethe banking operations ofFarmers State Bank, a unit ofFSB Bancorp Inc. Terms werenot disclosed. The transactionwas subject to shareholdersapproval.US - Wells Fargo Co definitively agreed to acquire the banking operations of Farmers State Bank, a unit of FSB Bancorp Inc. Terms were not disclosed. The transaction was subject to shareholders approval.US - Wells Fargo Co definitively agreed to acquire the banking operations of Farmers StateBank, a unit of FSB Bancorp Inc. Terms were not disclosed. The transaction was subject toshareholders approval.US - Wells Fargo Co definitively agreed to acquire the banking operations of Farmers State Bank, a unit of FSB Bancorp Inc. Terms were not disclosed. The transaction was subject to shareholdersapproval.US - Wells Fargo Co definitively agreed to acquire the banking operations of Farmers State Bank, a unit of FSB Bancorp Inc. Terms werenot disclosed. The transaction was subject to shareholders approval.Pending0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.00000Status:Pending-999.00000np0.00000-999.00000np0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000006021:National commercial banks6022:State banks,member fed reserve6443002New YorkUnited States6021CaliforniaPublicWFC6021:National commercial banks6712:Offices of bank holding companies581820001United States6021ColoradoPrivate0.000000.000000.000000.00000Deal InformationThomson Financial Mergers & AcquisitionsUS - Wells Fargo Business Credit Inc, a unit of Wells Fargo & Co's subsidiary Wells Fargo Bank NA, agreed to acquire Transcap Manufacturing Services Inc, a provider of business credit services, from Transcap Associates Inc. Terms were not disclosed.6/17/2008 4:48:09 PM94975Q89352E94974689352FWells Fargo Business Credit IncTranscap Manufacturing Services IncWells Fargo & Co,San Francisco,CaliforniaTranscap Associates Inchttp://www.alacrastore.com/storecontent/Thomson_M%26A/Wells_Fargo_Business_Credit_acquires_Transcap_Manufacturing_Service_from_Transcap_Associates_Inc-1986974020sdc/19869740201986974020Copyright © 2008, Thomson Financial, All Rights ReservedCredit InstitutionsUnited StatesShort-term business credit institutions6153MNMinnesotaSubsidiary6141:Personal credit institutions6153:Short-term business credit institutions6021:National commercial banks6141:Personal credit institutions6159:Misc business credit6162:Mortgage bankers and loan correspondents6282:Investment advice6712:Offices of bank holding companies7359:Equipment rental and leasing, necCredit InstitutionsUnited StatesShort-term business credit institutions6153ILIllinoisSubsidiary13093001Bank holding coPvd bus credit servicesUnspecifiedAssets392929001Jun 17 20080.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.00000Wells Fargo Business CreditInc, located in Minneapolis,Minnesota, provides businesscredit services.Wells Fargo Business Credit Inc, located in Minneapolis,Minnesota, provides business credit services.Wells Fargo Business Credit Inc, located in Minneapolis, Minnesota, provides business credit services.1.000002.000003.000004.000005.000006.000007.00000Transcap ManufacturingServices Inc, located inNorthbrook, Illinois, providesbusiness credit services. Itprovides short-term capital tosmall and middle-marketbusinesses in the US.Transcap Manufacturing Services Inc, located in Northbrook,Illinois, provides business credit services. It providesshort-term capital to small and middle-market businesses inthe US.Transcap Manufacturing Services Inc, located in Northbrook, Illinois, provides business credit services. It provides short-term capital to small and middle-market businesses in the US.0.000000.000000.000000.00000N12 Jun 08Thu, 12 Jun 2008 00:00:00 ESTDate Announced: 06/12/2008Date Effective:Acq. of AssetsFriendly0.000000.000000.000000.000000.000000.00000Price/Share0.0000000.000000.0000000.000000.000000.000000.000000.000000.0000000.00000N0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.00000100.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.000005.000006.000007.000008.000009.00000US - Wells Fargo BusinessCredit Inc, a unit of WellsFargo & Co's subsidiary WellsFargo Bank NA, agreed toacquire Transcap ManufacturingServices Inc, a provider ofbusiness credit services, fromTranscap Associates Inc. Termswere not disclosed.US - Wells Fargo Business Credit Inc, a unit of Wells Fargo & Co's subsidiary Wells Fargo Bank NA, agreed to acquire Transcap Manufacturing Services Inc, a provider of business credit services, from Transcap Associates Inc. Terms were not disclosed.US - Wells Fargo Business Credit Inc, a unit of Wells Fargo & Co's subsidiary Wells FargoBank NA, agreed to acquire Transcap Manufacturing Services Inc, a provider of businesscredit services, from Transcap Associates Inc. Terms were not disclosed.US - Wells Fargo Business Credit Inc, a unit of Wells Fargo & Co's subsidiary Wells Fargo Bank NA, agreed to acquire Transcap Manufacturing Services Inc, a provider of business credit services, fromTranscap Associates Inc. Terms were not disclosed.US - Wells Fargo Business Credit Inc, a unit of Wells Fargo & Co's subsidiary Wells Fargo Bank NA, agreed to acquire TranscapManufacturing Services Inc, a provider of business credit services, from Transcap Associates Inc. Terms were not disclosed.Pending0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.00000Status:Pending-999.00000np0.00000-999.00000np0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000006153:Short-term business credit institutions6159:Misc business credit6443002New YorkUnited States6021CaliforniaPublicWFC6153:Short-term business credit institutions6159:Misc business credit262766001United States6153IllinoisPrivate0.000000.000000.000000.00000Deal InformationThomson Financial Mergers & Acquisitionshttp://www.alacrastore.com/storecontent/cs/70428cs/70428norm Wells Fargo #Q## Tearsheet Wells Fargo's ratings trends are stable at S&P and Moody's, with a triple-A bank level from both.CEO Stumpf has recently commented that the bank would consider a "Fed assisted" transaction, and would consider...70428566YesC21Tearsheet353tearsheets/premium30426/9/2008 10:10:52 PM15070428Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/cs/70163cs/70163norm U.S. Financials: S&P Downgrades - Agency Capitulation, Re-Rating the Brokerage Industry, Reserving For More Comment Both Brokers and Banks We provide more color following S&P's call on the bank and broker actions S&P downgraded Lehman,...701635162YesD0Article306417351353352416238419237303corp30314254Euro Markets Issuers6/4/2008 11:12:00 AM150We provide more color on S&P's rating actions on the brokers and big banks following their conference call to review their moves.70163Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/spcred/651614spcred/651614normThe latest News from S&Pglobalstructuredpubfin6/2/2008 3:35:26 PM100News651614United StatesDiversified BanksAsiaCanadaEmerging MarketsEurope, Middle East, AfricaLatin AmericaUnited StatesGlobal IssuersStructured FinancePublic FinanceFinancial InstitutionsAsset-Backed SecuritiesCollateralized Debt ObligationsResidential MBSNewsNEW YORK (Standard&Poor's) June 2, 2008--Standard&Poor's Ratings Services' said today that it affirmed its 'AA+/A-1+' counterparty credit rating on Wells Fargo&Co. The outlook is stable. "The ratings reflect the franchise diversification, consistency in core earnings, and capital and risk management disciplines that set Wells Fargo apart from its large bank peers," said Standard&Poor's credit analyst Victoria Wagner. First-quarter 2008 and fourth-quarter 2007 operating results showed record revenues in a most challenging housing and mortgage cycle. This credit cycle is pushing residential credit costs higher for Wells Fargo, which posted a credit provision of $2 billion in the first quarter, preceded by a $2.6 billion provision in the fourth quarter to meet theUSA33630H66938366733266938F66938A66938B66938E94974J9497C0U9497494974694974B66938094974090957240101010 401010 4010 40Wells Fargo&Co.101704ASIACANEMERGINGEUROMIDAFRLATAMERICAUSAWFCNEWSGLOBISSSTRUCPUBFINFIABSCDORMBSCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/651615spcred/651615normThe latest Research Update from S&Pglobalstructuredpubfin6/2/2008 3:35:26 PM175Research Update651615United StatesDiversified BanksAsiaCanadaEmerging MarketsEurope, Middle East, AfricaLatin AmericaUnited StatesGlobal IssuersStructured FinancePublic FinanceFinancial InstitutionsAsset-Backed SecuritiesCollateralized Debt ObligationsAsset-Backed Commercial PaperCommercial MBSResidential MBSResearch UpdateOn June 2, 2008, Standard&Poor's Ratings Services' affirmed its 'AA+/A-1+' counterparty credit rating on Wells Fargo&Co. The outlook is stable. The ratings reflect the franchise diversification, consistency in core earnings, and capital and risk management disciplines that set Wells Fargo apart from its large bank peers. First-quarter 2008 and fourth-quarter 2007 operating results showed record revenues in a most challenging housing and mortgage cycle. This credit cycle is pushing residential credit costs higher for Wells Fargo, which posted a credit provision of $2 billion in the first quarter, preceded by a $2.6 billion provision in the fourth quarter to meet the rising credit losses, especially in its second-lien home equity portfolio. The environment is also causingUSA33630H66938366733266938F66938A66938B66938E94974J9497C0U9497494974694974B66938094974090957240101010 401010 4010 40Wells Fargo&Co.101704ASIACANEMERGINGEUROMIDAFRLATAMERICAUSAWFCRESUPDUSA32054832055A32055C33620V33632*34510J34510K34511*5716039292F194974094974894974H94974P94974Q94976Y94978S94979B94979D94980V94984E40101010 401010 4010 4040101015 401010 4010 4040203010 402030 4020 40Marquette Real Estate Funding Corp.Wells Fargo Bank Northwest, NAWF Natl Bank South CentralWells Fargo Capital IVWells Fargo Capital VIIIFoothill Capital Corp.WFC Holdings Corp.Wells Fargo Capital VIIWells Fargo Capital IIWells Fargo Capital XFirst Security Capital IWells Fargo Bank, NA102538104970105454128669309964310108310539353853353867360542370388407607CANEMERGINGEUROMIDAFRLATAMERICAUSA15201Z16622ZWFC16299Z16073Z9012Z412560Z@USGLOBISSSTRUCPUBFINFIABSCDOABCPCMBSRMBSCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/ccbn/T1817966ccbn/T1817966norm... - Sanford C. Bernstein & Co. - AnalystGood morning. My name is John McDonald. I recently joined Sanford Bernstein to follow the large cap bank stocks. We're happy to have Wells Fargo return to the conference as a presenter this year. Joining us is John Stumpf who is President and CEO. Mr. Stumpf is a ## year veteran of Wells Fargo and its predecessor, Norwest. Over the past two decades he's both built and run many of the companies most important businesses. He was named President in #### and became CEO last June. John? ... 5/29/2008 3:11:00 PMWells Fargo & Company54.0000FinalWells Fargo & Company at Sanford C. Bernstein & Co. Strategic Decisions Conference TranscriptWFC9:00am ETTranscriptT1817966Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/cs/56099cs/56099norm U.S. Banks: #Q## ALM Update - Rate Sensitivity to the Rescue? We update our quarterly report on ALM and NIM trends Rate sensitivity swings positive in #Q##, as banks show better ability to manage NIM in the flattish to inverted yield...560994728YesD0Article349113234823735335241535183833034140333423841934314341125342corp304262Asset/Liability Management33Capital Structure5/23/2008 12:11:28 PM150We update our ongoing series of reports which highlight the asset-liability management (ALM) challenge for U.S. banks in the flattish yield curve environment for 1Q07. Better rate sensitivity limits the damage on NIMs, but volumes lower.56099Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/ccbn/T1854394ccbn/T1854394norm... - Lehman Brothers - AnalystWe couldn't think of a better company to have speak at a Financial Services conference, better than Wells Fargo, given here is a company that operates in over distinct segments of the Financial Services business, trying to put together a group of businesses that not only work together to work together but work together in an effort to benefit from the secular benefits of being in the Financial Services industry, while kind of mitigating some of the cyclical factors that inevitably occur. Wells Fargo has kind of managed through this cycle, at least to date, much better than many of its brethren, despite the fact that it is a large mortgage company, given the fact that it generates a lot of its revenues from just selling additional products to existing customers, a much lower risk and better value proposition. Here is a company, kind of look at the first quarter, put up record revenues in the face of a challenging environment, solid loan growth, margin expansion,... 5/20/2008 3:12:00 PMWells Fargo & Company54.0000FinalWells Fargo & Company at Lehman Brothers Eleventh Annual Lehman Financial Services Conference TranscriptWFC12:00pm UKTTranscriptT1854394Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/cs/69446cs/69446norm U.S. Financials: Mid-Quarter Conference Updates We review the takeaways from the UBS Financial Services Conference Cautious comments on economic outlook from large banks, whether or not the economy is technically in a recession Credit...694461653YesD0Article352330353415339237343238334corp42305/19/2008 1:10:38 AM150We review our takeaways from the UBS Financial Services conference on the economy, credit quality, capital, fee income, margin, and efficiency.69446Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/ccbn/T1841622ccbn/T1841622norm... - UBS - AnalystOkay. I think we're ready to get started. Next up is Wells Fargo. Despite operating in some of the markets and products most under pressure, earnings and capital levels have held up much better than most. To tell us more about how Wells has been able to do this, and maybe just one or two forward-looking statements, is John Stumpf, President and CEO. ... 5/15/2008 9:11:00 PMWells Fargo & Company54.0000FinalWells Fargo & Company at UBS Global Financial Services Conference TranscriptWFC8:05am ETTranscriptT1841622Credit & Investment ResearchThomson Street Events