Executive Summary

Article II.Debt Rating Summary

We have one of the highest debt ratings of any financial services company. WELLS FARGO & CO.   Dominion Bond Rating Service Fitch Ratings Moody's Standard & Poor's Ratings Outlook Stable Positive Stable Stable Long-term Issuer Rating AA AA Aa1 AA+ Short-term Issuer Rating R-1 (middle) F1+ P-1 A-1+ Senior Unsecured AA AA Aa1 AA+ Subordinated AA (low) AA- Aa2 AA Preferred Stock - AA- Aa3 AA- WELLS FARGO BANK, NA   Dominion Bond Rating Service Fitch Ratings Moody's Standard & Poor's Ratings Outlook Stable Positive Stable Stable Long-term Issuer Rating AA (high) AA Aaa AAA Short-term Issuer Rating R-1 (high) F1+ P-1 A-1+ Bank Deposits - AA+ Aaa - Senior Unsecured AA (high) AA Aaa AAA Subordinated AA AA- Aa1 AA+ Bank Financial Strength Rating - - A -

Source: https://www.wellsfargo.com/invest_relations/debt

Appendix B

Commercial Banks Ranked by Assets
On Dec. 31, 2005. Dollars in thousands Published July 12, 2006
Rank		Assets		Deposits		Full-time employees	Branches
		Dec. 31, 2005	Change*	Dec. 31, 2005	Change*
1	Bank of America Charlotte	$1,082,242,862	40.30%	$686,648,523	29.60%	161,318	5,808
2	JPMorgan Chase Bank Columbus, Ohio	1,013,985,000	4.8	552,610,000	6.7	131,868	2,667
3	Citibank New York	706,497,000	1.7	485,990,000	5.9	184,489	286
4	Wachovia Bank Charlotte	472,143,000	21.1	333,780,000	22.2	78,571	3,193
5	Wells Fargo Bank Sioux Falls, S.D.	403,258,000	10.1	319,396,000	13.4	121,271	3,194
6	U.S. Bank Cincinnati	208,867,410	7.4	135,603,591	5.7	47,384	2,526
7	SunTrust Bank Atlanta	177,231,290	35.5	123,624,623	39.3	30,652	1,728
8	HSBC Bank USA Wilmington, Del.	150,679,481	9.0	95,047,625	16.9	12,052	433
9	KeyBank Cleveland	88,960,716	3.4	60,855,800	2.5	18,018	959
10	State Street Bank and Trust Co. Boston	87,888,150	-2.6	60,337,941	7.1	21,102	1
11	Bank of New York New York	85,868,000	-6.8	65,318,000	-0.3	18,742	355
12	PNC Bank Pittsburgh	82,876,683	12.3	59,417,540	12.4	15,387	833
13	Regions Bank Birmingham, Ala.	81,074,402	64.8	61,483,342	63.3	21,526	1,415
14	Branch Banking & Trust Co. Winston-Salem, N.C.	80,226,832	7.7	54,318,471	12.3	20,945	943
15	Chase Bank USA Newark, Del.	75,051,579	-15.4	24,860,779	-15.6	18,527	4
16	Countrywide Bank Alexandria, Va.	73,116,292	78.5	39,609,479	97.9	1,889	2
17	LaSalle Bank Chicago	71,060,868	11.5	42,567,578	12.8	5,002	143
18	National City Bank Cleveland	69,482,177	31.2	38,322,018	37.3	12,930	413
19	Bank of America USA Phoenix	62,982,777	41.8	72,379	1070.4	7,272	1
20	Merrill Lynch Bank USA Salt Lake City	60,367,705	-9.5	52,789,997	-4.7	1,207	3

Source: American Banker Online

Appendix C

Source for Both Above: Https://www.wellsfargo.com/pdf/invest_relations/overview/Q406InvestProfile_NC.pdf

Appendix D

2006 2005 2004 2003 2002 2001

Earnings and per share data

Net Income $8,482 $7,671 $7,014 $6,202 $5,434 $3,411

Revenue 35,691 32,949 30,059 8,389 5,249 0,981

Diluted Earnings per Common Share 2.49 2.25 2.05 1.83 1.58 .98

Dividends Declared per Common Share 1.08 1.00 0.93 0.75 0.55 0.50
Key Performance Measures

Return on Assets 1.75% 1.72% 1.71% 1.64% 1.69% 1.20%

Return on Equity 19.65% 19.59% 19.57% 19.34% 18.66% 12.69%

Net Interest Margin 4.83% 4.86% 4.89% 5.08% 5.53% 5.29%

Efficiency Ratio 58.1% 57.7% 58.5% 60.6% 58.3% 65.7%
Period-End Balances

Assets $481,996 $481,741 $427,849 $387,798 $349,197 $307,506

Loans 319,116 310,837 287,586 253,073 192,478 167,096

Core Deposits* 270,224 253,341 229,703 211,271 198,234 182,295

Stockholders’ Equity 45,876 40,660 37,866 34,469 30,319 27,175
Asset Quality Ratios

Non-Performing Loans/Total Loans 0.52% 0.43% 0.47% 0.58% 0.78% 0.98%

Allowance/Total Loans 1.24% 1.31% 1.37% 1.54% 1.98% 2.22%

Allowance/Non-Performing Loans 238% 303% 291% 267% 256% 227%

Net Charge-Offs/Average Total Loans 0.73% 0.77% 0.62% 0.81% 0.96% 1.10%
Net Income by Operating Segments

Community Banking $5,531 $5,473 $4,832 $4,299 $4,006 $2,437

Wholesale Banking 2,086 1,789 1,679 1,435 1,139 1,146

Wells Fargo Financial 865 409 617 531 289 447

Stock Price (NYSE :WFC)

4th Qtr 3rd Qtr 2nd Qtr 1st Qtr

2006 2006 2006 2006 2006 2005 2004

High $36.99 $36.89 $34.86 $32.76 $36.99 $32.35 $32.02

Low 34.90 33.36 31.90 30.31 30.31 28.81 27.16

Close 35.56 36.18 33.54 31.94 35.56 31.42 31.08

*Core deposits are noninterest-bearing deposits, interest-bearing checking, savings certificates and market rate and other savings.

CAUTIONARY NOTE ABOUT FORWARD LOOKING STATEMENTS

This document might have forward-looking statements about Wells Fargo, including descriptions of plans or objectives of management for future operations, products or services

and forecasts of future revenues, earnings and other measures of economic performance. Forward-looking statements discuss matters that are not facts, and often include the word

“believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate,” “project,” “target,” “will,” “can,” “would,” “should,” “could” or “may.” Do not unduly rely on forward-looking statements,

as they give our expectations about the future and are not guarantees. Forward-looking statements speak only as of the date they are made, and we might not update them to reflect

changes that occur after that date. A number of factors—many beyond our control—could cause results to differ significantly from expectations. Some of these factors are described

in our Annual Report on Form 10-K for the year ended December 31, 2006.

Source: Https://www.wellsfargo.com/pdf/invest_relations/overview/Q406InvestProfile_NC.pdf

Appendix E

List of Services offered by most banks:

Banking

Online banking

Checking

e-Savings

Savings

IRAs & Rollovers

Certificates of Deposit

Overdraft Protection

Small Business Banking

Private Banking

Expatriate Banking

Investments & Insurance

Online Investing

Credit Cards

Small Business Credit Cards

Lines & Loans

Home Equity Lines & Loans

Wire Transfers

Appendix F

Percentage of revenue earned from each major service offered by Wells Fargo company.

Source: https://www.wellsfargo.com/about/today1

Appendix G

Survey Plus Information:

Survey #	Age Category	Do you own a house?	If so, do you have a home loan?	What is the APR on that loan?	What kind of other loans do you have?	How do you file your taxes?	Would you be interested in a bank offering tax help?	Would you be interested in our home loan = free tax service?
1	46-55	Yes	Yes	0.09	Car	have a friend do them	No	Yes
2	prefer not to disclose	Yes	No	0	Credit Card	do them myself	No	No
3	26-35	No	No	0.07	Car	do them myself	No	Yes
4	36-45	Yes	Yes	0.08	Car	pay for a service	Yes	Yes
5	36-45	Yes	Yes	0.06	Car	pay for a program	No	No
6	55+	Yes	No	0	none	pay for a program	No	No
7	prefer not to disclose	No	No	0.075	Car	pay for a service	No	No
8	46-55	Yes	Yes	0.05	Car	pay for a service	No	No
9	prefer not to disclose	Yes	No	0	none	do them myself	No	No
10	prefer not to disclose	Yes	No	0	none	pay for a program	No	No
11	36-45	Yes	Yes	0.07	Car	pay for a service	Yes	Yes
12	36-45	Yes	Yes	0.08	Car	do them myself	Yes	Yes
13	46-55	No	No	0	none	pay for a service	Yes	No
14	26-35	Yes	Yes	0.07	Car	pay for a program	No	Yes
15	46-55	Yes	No	0.08	Car	pay for a program	Yes	No
16	36-45	Yes	Yes	0.08	none	pay for a service	Yes	No
17	18-25	No	No	0.06	Car	pay for a program	Yes	Yes
18	18-25	No	No	0.09	Car and School	pay for a service	Yes	Yes
19	18-25	No	No	0.09	Car and School	do them myself	Yes	Yes
20	18-25	No	No	0.08	Car	have a friend do them	Yes	Yes
21	18-25	No	No	0	none	do them myself	Yes	Yes
22	46-55	Yes	Yes	0.07	none	pay for a service	Yes	Yes
23	36-45	No	No	0	none	pay for a program	Yes	No
24	36-45	Yes	Yes	0.06	none	do them myself	Yes	Yes
25	18-25	Yes	Yes	0.01	Other	do them myself	No	Yes
26	36-45	Yes	Yes	0.07	Car	pay for a program	Yes	Yes
27	55+	Yes	No	0	none	pay for a service	No	Yes
28	26-35	No	No	0	Car and School	do them myself	Yes	No
29	18-25	No	No	0	none	pay for a service	Yes	No
30	46-55	Yes	Yes	0.08	Credit Card	do them myself	No	Yes

Appendix H




Appendix I




Appendix J




Appendix K




Appendix L

APR on loans
0.09
0.07
0.08
0.06
0.075
0.05
0.07
0.08
0.07
0.08
0.08
0.06
0.09
0.09
0.08
0.07
0.06
0.01
0.07
0.08

APR on loans
Mean	0.07075
Standard Error	0.004011
Median	0.0725
Mode	0.08
Standard Deviation	0.017938
Sample Variance	0.000322
Kurtosis	6.439162
Skewness	-2.13409
Range	0.08
Minimum	0.01
Maximum	0.09
Sum	1.415
Count	20
Confidence Level(95.0%)	0.008395

>>>>>>>>>>>

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