In boom times and in bear markets, it's all about customers. That's Carrie Tolstedt's view. "I'm proud of our team's passion and commitment to helping customers," says Wells Fargo's senior evp for community banking. "There's no greater compliment from a customer than giving us more business." Despite the economic environment, community banking experienced double-digit growth in product sales in 19 of its 23 states during the first half of 2008.

Tolstedt is responsible for retail and business banking, including consumer and business deposits, Business Direct accounts, and Wells Fargo's national home equity group. Her corporate-wide responsibilities encompass enterprise marketing, including advertising, brand management, customer research, and merchandising, and diverse growth markets.

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