Donna Greene Regional Diverse Segments Manager 0 September 27, 2013 Customer Outreach

Real Estate- Owned (REO) Property programs The REO Discount and Donation programs facilitate the transfer of Wells Fargo-owned or managed REO properties to municipalities, nonprofits, and land banks seeking to revitalize neighborhoods and provide sustainable homeownership or rental opportunities to low- to moderate- income customers. Military Donation program Our long-standing commitment to giving back and revitalizing communities includes the Military Donation program – REO property donations and support valued at $30 million over the next three years to qualifying nonprofits that serve military service members and veterans.  Military donations offered year-to-date: 306  Approved military nonprofits: −Military Warriors Support Foundation −Operation Homefront Disaster readiness – Hurricane Sandy  Customer Assistance Hubs: Wells Fargo’s mobile onsite presence (November 29, 2012 – March 2, 2013) in areas impacted by Hurricane Sandy enabled us to provide assistance and answer questions from customers affected by the storm.  Bank locations: Wells Fargo increased its presence at bank locations in the Northeast region with team members prepared to answer customers’ questions regarding their options for mortgage payments, insurance claims, etc.  Third-party and state-sponsored events: Wells Fargo was present in areas impacted by Hurricane Sandy at events held by the State of New York and third-party partners (Hope NOW).  Grassroots effort: Wells Fargo team members distributed Customer Assistance Hub flyers to local grocery stores, convenience stores, churches, and community centers in areas impacted by Hurricane Sandy. 1 Customer outreach programs/events ©2013 Wells Fargo Bank, N.A. All rights reserved. Confidential-Supervisory Material.

Home Preservation community outreach  Home Preservation Centers: At 28 centers, Wells Fargo has helped more than 53,600 families stay in their homes through modifications since the inception of the program in June  Home Preservation Workshops: −Since 2009, Wells Fargo has participated in more than 1,095 Home Preservation events. −More than 42,500 customers have attended these workshops.  Early Resolution Counselor Portal: Wells Fargo piloted the portal in March 2010 and launched with HomeFree USA, CredAbility, and Consumer Credit Counseling Service (CCCS) of San Francisco. Working with nonprofit agencies in this manner allows: −Face-to-face interaction with customers. −Loan-by-loan assistance via phone and Internet. −Direct fee support to nonprofits for their assistance. U.S. Conference of Mayors (USCM) The U.S. Conference of Mayors (USCM) is the official nonpartisan organization of U.S. mayors, including mayors of 1,305 cities with populations greater than 30,000. Our three-year national alliance with USCM began in June 2011 and is focused on foreclosure prevention, property disposition, homeownership promotion, and community development. Ways we work with USCM:  Build and grow local relationships  Educate on market activities related to housing and Wells Fargo’s response through the Leading the Way Home program  Assist in approaches to addressing housing challenges (in market) through planned Leading the Way Home forums and conference activities 2 Customer outreach programs/events (cont.) ©2013 Wells Fargo Bank, N.A. All rights reserved. Confidential-Supervisory Material.

Homebuyer and financial education  Free education seminars on homebuying; down payment assistance education  Affordable Home Tour SM  Outreach to potential homebuyers through advertising, bank stores, etc. (also target efforts to first responders, educators, teachers, etc.)  Online resources and registration; integration of community information on registration site  My Home Roadmap SM program: Provides free pre-purchase counseling with a certified national credit counselor for customers who have either been turned down for credit or elected not to apply at this time  Smarter Credit™ program: Helps assess customers’ credit needs, choose the right solutions, and protect their credit  Wells Fargo Hands on Banking ® program: Covers important money management basics through a comprehensive online resource tailored for all ages and entrepreneurs Credit counseling In 2012, Wells Fargo announced an increase to our commitment to national and local credit counseling agencies. We took this extra measure, as federal budget cuts have impacted HUD- approved agencies, in order to help sustain vital services provided by approved credit and housing counselors who work with customers with financial challenges that extend beyond their home payments.  Wells Fargo increased its commitment in 2012 to a total of $14.7 million – a 17% increase over the $12.4 million in This includes grants and fee-for-service agreements.  From , Wells Fargo contributed $38.9 million with grants and fee-for-service funding to credit and housing counseling agencies. 3 Customer outreach programs/events (cont.) ©2013 Wells Fargo Bank, N.A. All rights reserved. Confidential-Supervisory Material.

The Wells Fargo LIFT programs  The NeighborhoodLIFT SM program: Launched in early 2012 −The NeighborhoodLIFT SM program provides down payment assistance, education, and access to potential homebuyers to purchase properties inside the selected city limits. −It is a collaborative program of Wells Fargo Bank, N.A., the Wells Fargo Foundation, and NeighborWorks ® America, an independent nonprofit organization.  The CityLIFT SM program: Developed in 2012 −Designed to provide down payment assistance and homebuyer education programs in areas most impacted by the financial crisis −Developed in response to the 2012 settlement with the U.S. Department of Justice, and is a collaboration between Wells Fargo Bank N.A. and NeighborWorks America  The UrbanLIFT SM program: Developed in 2013 −Designed to provide support to local nonprofits for large neighborhood improvement projects in cities that have substantial diverse populations and have been affected by foreclosures −$11.4 million in funding is available to be distributed to 25 cities through a grant process −Funded by Wells Fargo and administered by NeighborWorks America; eligible cities were determined as part of an agreement with the U.S. Department of Housing and Urban Development (HUD)  Through August 2013, the company delivered $141.0 million, including down payment assistance, Housing Counselor grants, city grants, and Wells Fargo support costs to promote sustainable homeownership and neighborhood stabilization through the LIFT programs. 4 Customer outreach programs/events (cont.) ©2013 Wells Fargo Bank, N.A. All rights reserved. Confidential-Supervisory Material.

Local initiative grants As part of the NeighborhoodLIFT SM program, Wells Fargo partners with local communities to identify initiatives that would most benefit from local initiative grants:  Homelessness, transitional housing, veteran housing  Food and nutrition, health, early childhood development, preventative healthcare  Jobs training, counseling, and creation; economic development; small business development  Financial literacy and counseling 5 Customer outreach programs/events (cont.) ©2013 Wells Fargo Bank, N.A. All rights reserved. Confidential-Supervisory Material.