International Group

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We serve individuals, businesses and financial institutions operating on the global stage.

By delivering superior service and solutions, we take a relationship approach to helping customers achieve their goals.

Customers benefit from the guidance and support of our experienced team members.

Leveraging the latest technology, customers can see, move and manage funds through their choice of delivery channels.

International Group Overview

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Furtherglobalization

Increased regulation & government control

Movement frompaper to electronic

Better riskmanagement

More timely informationand better control

International Group Overview

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Wells Fargo International Group We have 1,500 team members covering the international needs

of retail, BBG, WMG, Commercial Banking, US Corporate Banking and correspondent banking customers

We trade $5.0 trillion in FX per year We offer ACH to 17 countries and Multi-Currency Accounts in 32

currencies We can open bank accounts in over 65 countries – and move

money globally We facilitate trade and provide customer contacts in over 80

countries and territories

International Group Overview

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Through multiple distribution channels… Product Specialists – who work with BDOs and RMs to provide

product expertise Relationship Management and Support – for customers with

unique needs within Wells Fargo The Commercial Electronic Office® portal International Offices – 42 locations Strategic Relationships – with select banks around the world

International Group Overview

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Import Letter of Credit – Issuance Allows initiation of Import Letter of Credit application Purchase Order (PO) module enables PO to be quickly turned into a

Letter of CreditExport Letters of Credit Delivered immediately Can be downloaded to email and sent to other partnersDocumentary Collections Docs delivered immediately and online acceptance of drafts using

images Direct Collection initiationComprehensive status reporting On open transactions, payments, due dates on future payment

flows; cash flow forecasting toolAccessible anytime and anywhere Offshore offices can pull reports and data to facilitate internal

processes

Trade Services Online (TSOL)

Trade Services on CEO

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Export financing methods Accounts receivable purchase (with or without credit insurance) Accounts receivable financing (export LC discount) Ex-Im Bank Programs

Working Capital Guarantee. Higher advance rate against export A/R and inventory Medium Term Guarantee. Medium term, larger size buyer financing

Purchase Order financing—seller can use credit worthy buyer’s Purchase Order to get financing

Import trade financing Trade acceptance financing Trade cycle finance Global Payables Service

Trade Finance

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Importing and exporting create longer supply chains, higher working capital financing requirements, more difficulty in cash forecasting due to many parties involvement, documentation errors, time zone and language difficulties, and lack of real time status information.

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Transportation process varies by mode and route

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Supply Chain information is gathered, aggregated and normalized from multiple points and systems, providing a single view across orders, inventory, shipments

and financial supply chain processes.

The Physical and Financial Supply Chain of Trade

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Global supply chain finance solutions leveraging the treasury management and trade finance capabilities of Wells Fargo

Delivered through Wells Fargo HSBC Trade Bank Delivered through either check-type processing or web-based, EDI

enabled platform Highly scalable solutions, able to accommodate both low and high

processing volumes Financing programs tailored to meet customer requirements

Global Payables Service

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Global Payables Service– Benefits

Reduce costs in the financial supply chain by providing suppliers with a less costly form of financing and reducing reliance on letters of credit

Increase cash flow by lengthening the sales terms received from suppliers

Provide suppliers with a less expensive form of financing to reduce product costs and negotiate a discount

Electronic initiation and reporting via either flat file or direct connectivity. Fully integrate with existing payables processes.

Accounting neutral result on payables classification

For Buyers For Sellers

Reduce borrowing costs Faster repayment – Suppliers can elect

to discount buyer receivables at any time prior to maturity.

Reduced days sales outstanding – Transactions are structured as true sales transactions, allowing suppliers to reduce their days sales outstanding.

On-demand payables financing services – Suppliers control the timing of payment.

Access to higher levels of working capital financing – Suppliers receive 100% of the value (less the discount rate).

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Wells Fargo now has 42 locations around the world, serving 130 countries including nine branches and four US processing offices

The offices also offer a variety of financial services serving individuals, corporations and financial institutions with a specialization in trade services and import and export financing. GFIT conducts its business through these various offices.

International Offices

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Manages correspondent relationships with 3000 banks throughout the world

Offices in locations around the world

No. 1 in correspondent banking in Asia and Latin America, No. 2 in Western Europe*

Services include: Global Payments & Collections Structured Trade Finance Global Trade, Supply Chain and Outsourcing Solutions Credit Services Capital Markets Treasury Management Foreign Exchange Institutional investments

Global Financial Institutions & Trade

*(Source: FImetrix)

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Wells/Wachovia is a a major player in the world of international banking, providing a full range of services to middle market companies, corporations, financial institutions, and government entities around the world

Strong local support for clients in the US with Global Banking and Trade Services Offices in over 15 cities in the US

42 Offices throughout Europe, Asia and Latin America including: 9 Branches in Frankfurt, Hong Kong, London, New York, Seoul, Shanghai,

Singapore, Taipei and Tokyo 14 Foreign Exchange desks across the U.S.

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Import/Export ServicesSupply Chain Solutions

Internet ServicesBankers Acceptances

Structured Trade FinanceGlobal Cash Management

Foreign ExchangeOverseas Branch Services

Global SolutionsGlobal Challenges

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Import and export letters of credit

Documentary collections

Cross-border payables solutions

Bankers acceptances Commercial Electronic

Office® and Payment Manager information and imaging platforms

Cross-border open account solutions

Electronic trade document creation

Supply chain finance solutions

Structured trade finance

International wires Foreign exchange

drafts Global checking

clearing Information reporting

and initiation services

Foreign Exchange Overseas BranchTreasury ServicesTrade Services Spot and forwards Currency and interest

rate swaps Currency options Global debt strategies

Multi-currency accounts

Trade Treasury services Lending Foreign exchange

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The New International Group