BRIEF-Wells Fargo says expects efficiency initiatives will reduce expenses by about $

[ahlam1399]

BRIEF-Wells Fargo says expects efficiency initiatives will reduce expenses by about $

BRIEF-Wells Fargo says expects efficiency initiatives will reduce expenses by about $2 bln annually by year-end 2018
* As of 12/9/16, issued $3.2 million of refunds for"potentially unauthorized accounts that incurred fees andcharges" for May 2011 - June 2015

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