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Customer Message from John Stumpf, President and CEO

To Our Customers,

The dramatic changes taking place in the financial services industry and economy these days are historic in scope and proportion. And as you may know, Wells Fargo Company and Wachovia Corporation have agreed to merge and create the nationapos;s premier coast-to-coast community banking presence.

You may be asking yourself, "What does this mean for me as a Wells Fargo customer?"

The answer simply is - itapos;s business as usual. Thatapos;s because perhaps never before in our companyapos;s 156-year history has Wells Fargo enjoyed a greater reputation for strength, security, financial discipline, and doing whatapos;s right for the customer than it does today.

You trust us with your business. You continue to give us even more of it. Weapos;re attracting more customers and earning more business from our current customers like you because many of our customers rave about us to their families, friends and business associates. Weapos;re known and admired for our conservative financial services approach and time-tested business model, and it succeeds because you trust us to do whatapos;s right for you, the customer.

We still focus, as always, on what got us here - building lifelong relationships with our customers and communities. Our team works hard to know you, understand your complete financial picture, listen to you, provide you value and reward you for doing even more business with us. We put you at the center of everything we do. And we work together to decide locally how we can help support the communities in which you - and we - live and work.

Thank you for entrusting us with your business

John Stumpf
President and CEO

October 2008

Dear Mr. Stumpf:

Thank you for taking the time to reassure me that the $900 I paid from my checking account to my recently closed Wachovia credit card will remain in your deep pockets. Iapos;m glad you are focused on taking the financial buyouts to the Next Stage (tm). Again, thank you for re-stealing my hard earned money

Christopher Wagoner
Serf

October 2008

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