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Most notable in this category is Wells Fargo , which has traditionally�and infamously�focused on sales and required much lower advertising budgets than its peers. Decisions on the number, location and format of branches should be based on analyzing a number of key factors, including: competitive intensity; market size, growth and composition; current branch usage; short-term costs; and longer-term savings. Learn more about this low introductory rate. However, customers remain committed to branches.