Wells Fargo & Company (NYSE: WFC) is a nationwide, diversified, community-based financial services company with $1.2 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 10,000 banking stores, 12,000 ATMs, the Internet (wellsfargo.com and wachovia.com), and other distribution channels across North America and internationally. The Wells Fargo Real Estate Banking Group (REBG)is a national business that provides real estate loans and cash management products to its customers. All products are originated through the REBG’s production offices, which are located throughout the U.S. The REBG offers a variety of credit facilities to its customers including construction loans for commercial and residential development, interim or standing loans for completed structures, rehabilitation loans, affordable housing loans, lines of credit, and letters of credit.