"What has made our company so successful for 151 years?" asks Wells Fargo Chairman and CEO Dick Kovacevich. "I believe there are two important reasons. First and foremost, our people. We have the most committed, talented, experienced, innovative and caring people in our industry. The second reason is that for 15 years we've demonstrated that our business model — diversified financial services, not just banking — and earning all our customers' business does work."