Small Business. Lester Romero Regional Banking Small Business Manager. 100 W Washington St March 13 th 2011

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1 Small Business Lester Romero Regional Banking Small Business Manager 100 W Washington St March 13 th 2011

2 Helping Small Businesses reach business goals through world-class small business capabilities Educational resources Tools and resources to manage money, people, and risk Accounts and services to help your business prosper 1

3 Wells Fargo s Business Insight Resource Center (The BIRC) content through drop- down categories content by searching titles, keywords, or phrases Share content with others content by type content through mini-archive section 2 content through Related Resources section 2

4 Money management with small business customers in mind Keep focus on small businesses with financial services that let them access funds, monitor accounts, and make payments quickly and easily. Customized Treasury Management services Basic Online payable and receivable services Automatic payments Wells Fargo Business Services Packages Checking accounts Savings accounts Online access Debit cards Deposit and loan products offered by Wells Fargo Bank, N.A. Member FDIC. 3

5 Online Banking going beyond the basics 24/7 access to accounts and the funds in them Check balances Review transactions Transfer funds Make payments Fraud Protection 24/7 Account monitoring and access control Going green online statements Deposit and loan products offered by Wells Fargo Bank, N.A. Member FDIC. Account Alerts automated account and fee management 4

6 Strategies built for small business growth Merchant Services Move small businesses forward with customized solutions to accept payments that are convenient for their customers. Fast funding Merchants receive payments from most card transactions as soon as the next business day when funding to a Wells Fargo deposit account. Full service processor Visa MasterCard Discover American Express 5

7 Insurance solutions for small business Small Business is everything to you Let us help you protect it When you work with Wells Fargo Insurance you ll receive: Competitive quotes Straightforward advice Easy purchase options Ongoing support Save 30% when you switch to Wells Fargo Insurance* Savings amount is based on information provided by new Wells Fargo Insurance, Inc. customers who purchased policies between January and May 2011, and who provided data regarding savings. Premium savings are not guaranteed and will vary based on a variety of factors for each applicant. Insurance is: Not insured by the FDIC or any federal government agency. Not a deposit of or guaranteed by any bank 6

8 Compensation without complications Team up with a financial institution that can help small businesses effectively manage payroll. Wells Fargo OptRight Payroll Solutions Maximize productivity. Direct more time and resources to growing your business and increasing revenue. Avoid penalties. Minimize your risk of IRS scrutiny and tax penalties. Save money. Eliminate checking account monthly service fees and reduce payroll costs with unlimited and free direct deposit of payroll checks. Deposit and loan products offered by Wells Fargo Bank, N.A. Member FDIC. 7

9 Disclaimers Information and views provided through this presentation are general in nature for your consideration and are not legal, tax, or investment advice. Wells Fargo makes no warranties as to accuracy or completeness of information, does not endorse any non-wells Fargo companies, products, or services described here, and takes no liability for your use of this information. Information and suggestions regarding business risk management and safeguards do not necessarily represent Wells Fargo's business practices or experience. Please contact your own legal, tax, or financial advisors regarding your specific business needs before taking any action based upon this information. Wells Fargo & Company cannot provide tax advice. Please see your tax advisor to determine how this information may apply to your own situation. Lester Romero Assistance Vice President/Regional Banking Sales Coach Manager 3800 Howard Hughes Pkwy, 3 rd Floor, Las Vegas, NV MAC s Lester.P.Romero@wellsfargo.com All credit decisions subject to approval. Wells Fargo Insurance, Inc. is a licensed agency that represents and is compensated by the insurer based on the amount of insurance sold. Insurance and investment products are not FDIC insured. Deposit and loan products offered by Wells Fargo Bank, N.A. Member FDIC Wells Fargo Bank, N.A. All rights reserved. NMLSR ID