Financial Solutions for Your Business

Financial Solutions for Your Business

Asset Management Business Financing Card Services Electronic Services Employee Benefits Insurance International Market Risk Management Real Estate Treasury Management Wealth Management

Financial Solutions for Your Business

Contents

Business Financing

2

Treasury Management

5

Electronic Services

6

Card Services

6

International Services

7

Market Risk Management

8

Insurance

8

Commercial Real Estate

9

Asset Management

10

Employee Benefits

12

Personal Wealth Management

13

TolearnmoreabouthowWells Fargo can serve your unique financial needs, contact your Wells Fargo relationship manager, or visit com, click "contact us," and one of our specialists will contact you.

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Add Some Horsepower to Your Business

Since 1852, Wells Fargo has been a symbol of trust, security, and ingenuity. Our goal is to satisfy all of our customers' financial needs and help them succeed financially. Our experienced relationship managers work hard to understand your business and develop customized solutions that help your business achieve its objectives. Relationship managers offer fast decisions and partner with a nationwide network of experts and internal support teams to ensure you receive the resources you need and the service you deserve. When you do business with Wells Fargo, you're banking with an industry leader:

? We're the #1 financial-services provider to middle-market businesses in our 23-state banking region, according to a leading independent-research firm.

? We're the 12th most-respected publicly held company in the world according to Barron's magazine.

? Forrester Research recognized Wells Fargo with the highest-rated business-to-business Web site.

? Wells Fargo is ranked a "Top-50 Corporate Citizen" by The CRO magazine (Corporate Responsibility Officer) formerly Business Ethics magazine.

We're also a leader in protecting the privacy and security of customer information so you can remain focused on what matters most: successfully running your business. Our stringent information-security policies and procedures for both team members and third-party vendors help us safeguard your information and assets while giving you more options to access your information. For instance, our awardwinning Commercial Electronic Office? (CEO?) portal lets you complete a range of transactions and access real-time account information efficiently and securely through a single sign-on. This brochure highlights how we can help your company or organization with business and real estate financing, treasury management, international services, asset management, insurance, market risk management, and more. It also shows how Wells Fargo can help you gain more control over your business processes using our online portal, offer competitive benefits to your employees, and develop strategies to meet your personal financial objectives.

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Business Financing

Your company has big plans and you likely need financing to achieve them. Whether you're looking for working capital to fund daily business operations or financing for a business acquisition or equipment purchase to help you compete more effectively, we have a lending option that will meet your needs.

Working Capital Lines of Credit We offer revolving and non-revolving lines of credit with automatic pay downs, cash advances, and investment of your excess cash balances. Making advances is simple and convenient through our Commercial Electronic Office (CEO) portal.

Term Loans Finance equipment, a change in ownership, a business acquisition, or other longterm goals with a term loan tailored to your circumstances. Wells Fargo can help you maximize profitability through a properly structured term loan where the repayment schedule matches your business cash flow.

Equipment Leasing and Financing We provide financing and leasing options throughout the United States and Canada for virtually all equipment needs to help you preserve credit and liquidity, match payment schedules to cash flow, maximize tax benefits, and avoid the risks of equipment obsolescence. Our industry specialists provide customized solutions for companies manufacturing, distributing or acquiring technology, commercial vehicles, construction, corporate aircraft, manufacturing, or printing equipment.

Sponsored and Leveraged Financing Wells Fargo develops and manages relationships with financial sponsors and private equity investment firms engaged in leveraged buyouts, management buyouts, acquisitions, and recapitalizations. Services include arranging senior debt for leveraged buyouts where a financial sponsor or private equity investor has a controlling interest. We can also arrange or provide mezzanine or subordinated capital.

Public Finance Wells Fargo offers public finance funding solutions for the capital needs of government entities and non-profit organizations, featuring competitive rates on bonds, leases, and notes that are sold in local, regional, and national markets. We also help qualifying corporations obtain Industrial Revenue Bond (IRB) financing.

Wells Fargo Public Finance (WFPF) bankers are registered representatives of Wells Fargo Brokerage Services, LLC, or Wells Fargo Institutional Securities, LLC, brokerage affiliates of Wells Fargo & Company and members of the NASD and SIPC. WFPF has entered into arrangements with its banking and other affiliates under which WFPF may pay compensation to them of up to 25% of its net fee for referrals and assistance in finding, soliciting, and obtaining business.

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Business Financing

Private Equity

Wells Fargo's private equity arm, Norwest Equity Partners, is one of the premier private equity investment firms in the United States. We focus on equity investments in profitable and growing middle-market companies, providing the capital they need to reach their goals, primarily through management buyouts, recapitalizations, and growth financing.

Cross-Border Lending

For a U.S. company looking to establish a subsidiary or joint venture in another country, securing financing to improve production can be both difficult and expensive. Where most U.S. banks lend only against a company's domestic collateral in the United States, our unique Cross-Border Lending service, available for select countries including China and Mexico, allows you to finance overseas credit needs secured, in part, by collateral held in another country.

Rediscount Lending

For both consumer and commercial finance companies--from other asset-based lenders and factors, to commercial real estate, equipment, insurance premium, and auto finance companies--we offer a number of flexible rediscount financing products.

Traditional Asset-Based Lending

Companies unable to obtain, or restricted by, conventional bank financing may find greater credit availability and flexibility in asset-based lending. With asset-based lending, you can obtain financing to address many business challenges: rapid growth, turnarounds, recapitalizations, seasonal sales fluctuations, short operating history, acquisitions and mergers, shareholder buyouts, and bankruptcy. Our credit facilities include revolving lines of credit and term loans secured by accounts receivable, inventory, machinery and equipment, real estate, and other assets.

Nontraditional Senior Secured Lending

As a complement to conventional lending, and in addition to more traditional asset-

based lending products, we also offer nontraditional senior secured lending, secured

by current and fixed assets as well as trademarks, patents, saleable contracts,

recurring revenue streams, and enterprise value. We offer flexible, innovative facilities

for customers in most industries, and dedicated expertise in many sectors:

? Manufacturing, wholesale, distribution ? Restaurants, other hospitality

? Media, communications (lodging, gaming, etc.)

? Multi-channel retail

? Software, technology

? Vacation ownership, resort development ? Oil, gas

Factoring Services Factoring--the purchase of your accounts receivable at a discount for cash--offers companies increased access to working capital. Our service is a scalable outsourcing tool, including credit protection (on the buyer's financial risk), accounts receivable bookkeeping, collection and lockbox services, as well as letter of credit and working capital financing based on factored accounts receivable and finished-goods inventory. Our experienced and dedicated team can assist companies in many sectors:

? Manufacturing, distribution

? Apparel, textiles, furniture,

? Government contracting other retail items

? Import, export companies

? Temporary staffing, other

? Trucking, transportation service providers

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