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Wells Fargo Our Commitment is Past, Present and Future… To always do what is right for our customers. Wells Fargo is fully committed to responsible lending and servicing in all communities. 4
Wells Fargo Fair and Responsible <strong>Lending</strong> The Right Thing to Do… September 4, 2008 – Global Finance magazine released its annual ranking of the World Safest Banks in which Wells Fargo was listed among the top 10. WORLD’S SAFEST BANKS Groupe Caisse des Dépôts (CDC) France Bank Nederlandse Gemeenten (BNG) Netherlands Landwirtschaftliche Rentenbank Germany Rabobank Netherlands Landeskreditbank Baden-Wuerttemberg-Förderbank Germany Lloyds TSB United Kingdom BNP Paribas France Dexia Belgium Wells Fargo United States NRW Bank Germany 5
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Co-Event Sponsors Gold Sponsor Silv
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Fourth Annual Mortgage Lending Indu
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Monday, October 6, 2008 Fourth Annu
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TAB SPONSORS
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FAIR LENDING ADVISORY FOR LENDER SE
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��
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HELP YOUR CLIENTS GET THE MORTGAGE
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HMDA Data Mining for CRA and Minori
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The Demographic Impact of the Subpr
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Index of Tables Table 1: Loan Type
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Purpose The purpose of this study i
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Subprime Rate Loans And The Current
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Subprime Rate Loans And The Current
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Summary Of Findings • The overall
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Highlights Of 2004-2006 Subprime Ra
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Highlights Of 2004-2006 Subprime Ra
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Distribution Analysis Of 2006 Subpr
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Conclusion About The Author maurice
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Successful Sales Tools for Loan Ori
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TAB WELCOME ADDRESS
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John A. Courson John A. Courson is
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Why Diversity is Important to the M
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STACEY D. STEWART Chief Diversity O
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Terri J. Fowlkes Terri J. Fowlkes i
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The First American Corporation Depl
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What is Supplier Diversity at First
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DIVERSITY Transformation Over Time!
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Developing a Winning Diversity Busi
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Know the Facts � Minority groups'
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Data Sources -- Building The Case R
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Example: Relevant Marketing Collate
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Diversity and Inclusion in Mortgage
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Our Commitment to Diversity and Inc
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Our Commitment has resulted in this
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Recruiting Diverse Talent - a Criti
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Finding Experienced Diverse Sales P
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Best Practices in Recruiting Divers
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Thank you John Browning Area Sales
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Confidential - Copyright © Citi 20
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• Mortgage Market Dislocation •
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1. Dedicated / Focused / Diverse St
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• GSEs • MI Companies • Non-P
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• Access • R-HOME • Home Run
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TAB IMPACT OF HOUSING LEGISLATION
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Michael Taliefero Michael Taliefero
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Tim Doyle is a Vice President of In
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Housing and Economic Recovery Act o
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• Adds energy efficiency and hist
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Emergency Assistance for the Redeve
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Key Provisions for HFAs FHA Moderni
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Mission Improvement • Requires th
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Key Provisions for HFAs HOPE for Ho
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Mortgage Foreclosure Protections fo
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Key Provisions for HFAs Housing Tax
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SUMMARY OF H.R. 3221 - THE HOUSING
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terms, conditions as the Secretary
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H.R 3221 DIVISION A - TITLE II - FE
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H.R. 3221 DIVISION A - TITLE IV - H
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H.R. 3221 DIVISION A - TITLE V: S.A
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esidential mortgage loan originator
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H.R. 3221 -DIVISION B - TITLE II -
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exempt housing bonds that each stat
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Transfer of funds appropriated to c
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The Emergency Economic Stabilizatio
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October 2008 Treasury must issue pr
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October 2008 and other available pr
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October 2008 foreclosure mitigation
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October 2008 a bid regardless of an
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preferred stock held by the financi
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October 2008 Sec. 504. Income avera
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Licensing Standards: All state-lice
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Federal Banking Agencies/Federal Fi
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Increasing Transparency and Account
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Housing Legislation in a Broader Co
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Impact of Market Challenges • Liq
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Components of HERA • FHA Moderniz
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Wells Fargo’s Long-term Commitmen
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Other HERA Provisions Hope for Home
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Questions? Tom Goyda Wells Fargo Ho
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Sponsored by: Diversity Luncheon 11
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Market Psychology around Homeowners
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Mortgage Strategic Markets & Divers
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Share Foreclosures by Loan Type Pro
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Q2-2008 Prime ARM Foreclosure Start
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Foreclosures in “Sand” States A
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Foreclosures in “Sand” States S
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Change in Number of Owner- and Rent
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77 76 75 74 73 72 71 98 Homeownersh
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Changing the Market Psychology arou
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The Truth about Foreclosures • Pe
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The Truth about Mortgage Securitiza
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What has the Credit Panic Done to t
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80% 75% 70% 65% 60% 55% 50% 45% 40%
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Rank 1 2 3 4 5 6 7 8 9 10 11 12 13
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Left Us with ‘Super 4’ Mortgage
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Are Declining Markets Underwriting
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Changing the Consumer Psychology Ar
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Perceptions p • During g an other
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11,400,000 400 000 1,200,000 1,000,
Page 218 and 219: $250,000,000 $200,000,000 $150,000,
Page 220 and 221: Perceent 60.00 50.00 40.00 30.00 20
Page 222 and 223: 700,000 600,000 500,000 400,000 300
Page 224 and 225: Percent 50.00 45.00 40.00 35.00 30.
Page 226 and 227: 45.00% 40.00% 35.00% 30.00% 25.00%
Page 228 and 229: Reality 2004 2004-2007 2004 2007 20
Page 230 and 231: 40.00% 35.00% 30.00% 25.00% 20.00%
Page 232 and 233: Reality 2004 2004-2007, 2004 2007,
Page 234 and 235: • While many conservatives believ
Page 236 and 237: TAB TRENDS IN LOSS MITIGATION
Page 238 and 239: Patrick Carey Chief Executive Offic
Page 240 and 241: TAB NON PROFIT’S ROLE IN EARLY IN
Page 242 and 243: Larry L. Gilmore 5502 Willow Grove
Page 244 and 245: 2007….What Happened? � Lack of
Page 246 and 247: 2,500,000 2,000,000 1,500,000 1,000
Page 248 and 249: HOPE NOW Alliance Membership Counse
Page 250 and 251: Borrower Outreach Letters � Servi
Page 252 and 253: Date Cities State Servicers Borrowe
Page 254 and 255: HOPE Hotline...888-995-HOPE � Nat
Page 256 and 257: HOPE NOW Results � Since July 200
Page 258 and 259: Percent Increase in Loan Modificati
Page 260 and 261: TAB RESPONSIBLE SUSTAINABLE LENDING
Page 262 and 263: Ernest E. Baskette, Jr. Mr. Baskett
Page 264 and 265: Shelley Metz-Galloway Vice Presiden
Page 266 and 267: What is… “the art of influencin
Page 270 and 271: Wells Fargo Sustaining the History
Page 272 and 273: Why Responsible Lending? Responsibl
Page 274 and 275: Thank you Shelley Metz-Galloway Vic
Page 276 and 277: What is Self-Help? • Self-Help is
Page 278 and 279: www.self-help.org 4 4
Page 280 and 281: Lease-Purchase Mortgage Product �
Page 282 and 283: Lease-Purchase Pilot Structure Loan
Page 284 and 285: Pilot in Peachtree Hills, Charlotte
Page 286 and 287: Peachtree Hills - Foreclosure Distr
Page 288 and 289: Homes are still in decent shape Exp
Page 290 and 291: Supportive Services • Homebuyer c
Page 292 and 293: 4 th Annual Mortgage Lending Indust
Page 294 and 295: MLI Emerging Markets and Diversity
Page 296 and 297: A new, innovative, comprehensive an
Page 306 and 307: Tactics and Strategies to Preserve
Page 308: TAB BEST IN INDUSTRY DINNER
Page 311 and 312: FOR IMMEDIATE RELEASE Wednesday, Oc
Page 313 and 314: Fourth Annual Minority Lending Awar
Page 315 and 316: Affordable Housing, CRA & Strategic
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What is ACCESS? Standard First Mort
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Create a Competitive Edge • Secon
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Leverage MI to Create a Competitive
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ACCESS is Easy for You and Your Cus
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Questions: National Homebuyers Fund
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Town Hall Meeting: Consumer Protect
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Lori Jones Gibbs Lori Jones Gibbs i
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Stella Adams Stella Adams is the fo
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Maria Kong Maria Kong has been a dy
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Strategic Markets and Diversity Con
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