Wells Fargo&Co.

Strong market position in retail and residential mortgage lending businesses Highly diversified retail banking franchise Consistently strong profitability measures While the overall liquidity profile remains strong, loan growth consistently outpaces core deposit growth Wells Fargo&Co.'s superior geographic and business line diversity, combined with a strong sales culture and a disciplined credit culture, continues to generate strong revenue growth regardless of the economic or interest rate cycle experienced in the past several years. The company has demonstrated consistently strong performance and growth in its major business lines, all guided by sound risk management. Wells Fargo operates with a strong market position in the 23 western states of its banking store franchise, combined with leading nationwide businesses that include residential

... Counterparty Credit ##-/Stable/A-1+ Senior unsecured Local currency ##- Commercial paper Local currency A-1+ Subordinated Local currency A+ Preferred stock Local currency A Credit Rating History Oct. 13, 2003 ##-/A-1+ Nov. 3, 1998 A+/A-1 Sovereign Rating United States of America ###/Stable/A-1+ Related Entities First Security Capital I Preferred stock Local currency A Foothill Capital Corp. Counterparty Credit ##-/Stable Senior unsecured Local currency ##- Wells Fargo Bank Northwest, NA Counterparty Credit ##/Stable/A-1+ Certificate of deposit Local currency ##/A-1+ Senior unsecured Local currency ## Short-Term debt Local currency A-1+ Wells Fargo Capital VIII Preferred stock Local currency A Wells Fargo Capital IV Preferred stock A...

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