REVIEWER: Linghsueh Shu, a team member of Business Card Risk Management, Wells Fargo Bank. These comments are solely mine and may not necessarily reflect the opinions of my employer, Wells Fargo Bank.

BACKGROUND: Wells Fargo is a diversified financial services company, providing banking, insurance, investments, mortgage and consumer finance for more than 23 million customers through 6,200 stores, the Internet and other distribution channels across North America and internationally. We're headquartered in San Francisco, but we're decentralized so every local Wells Fargo store is a headquarters for satisfying all our customers' financial needs. Wells Fargo has $482 billion in assets and 153,000+ team members. We're one of the United States' top-40 largest private employers. We ranked fifth in assets and fourth in market value of our stock among our peers as of December 31, 2005.

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