FILE - In this Wednesday, Dec. 19, 2012, file photo, a man walks past a Wells Fargo location in Philadelphia.  Wells Fargo, the biggest U.S. mortgage lender, says it earned a record $4.9 billion in the fourth quarter, up 25 percent from the same period a year before. Revenue rose 7 percent, to $21.9 billion, beating the $21.3 billion expected by analysts polled by FactSet. (AP Photo/Matt Rourke, File)
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