Novemver 20, 2007

Scott E. Webster
Jean Allen Webster
204 Charlotte Drive
Dugspur, VA 24325

RE: Office of the Comptroller of the Currency ("OCC") Case# 732217

Wells Fargo Home Mortgage ("WFHM") loan number 708-0143905453
Borrower: Scott E. Webster and Jean D. Allen Webster
Property Address: 18 Fair Street, Cold Spring, NY 10516

Dear Scott E. Webster and Jean Allen Webster:

This letter is in response to your complaint filed with the OCC, dated November 19, 2007, which was forwarded to WFHM Executive Resolution team regarding your loan experience.

WFHM responded to this issue on October 25, 2007. I have enclosed a copy of this correspondence for your records. Due to pending litigation, all questions must be directed to our attorney's office, Steven J. Baum, P.C. (716) 204-2400.

If you have any additional questions or need clarification regarding the information provided, please contact me directly at (515) 231-6969 or at telephone number (800) 840-5812. I am available Monday through Friday, between the hours of 8:00 a.m. to 5:00 p.m. Central Time.

Sincerely,


(signed)
Michelle Winter
Executive Communications Coordinator
Wells Fargo Home Mortgage

cc: OCC
Enclosure: response letter dated October 25, 2007