At Wells Fargo, we believe that to be successful as a company, we must consider a broad set of stakeholders in our decisions and actions, beyond shareholders. This is not in lieu of shareholders — in fact, we believe a broader focus will enhance our returns to shareholders over time. Consumers and businesses want to do business with a company that actively supports employees, customers, and communities — especially those most in need. In the pages that follow, you’ll find an overview of the environmental, social, and governance (ESG) work underway at Wells Fargo. This includes the work we are doing to build a sustainable, inclusive future in the communities we serve. These efforts span housing affordability, small business growth, financial inclusion, addressing climate change, and other initiatives. We consider this work a sustained, long-term commitment. We know that there is much work to do, and Wells Fargo is well-positioned to make a difference.