OP - you're wasting your time here mate... you need to be flying in and out of the Philippines with suitcases full of cash offloading PHP at 10% better rate than anyone else can manage... you'll make a fortune.
Wells Fargo?... weren't they part of the American Sub Prime Mortgage nonsense lending shed loads of money to people who had absolutely no hope or intention of paying it back and helping to trash the global financial system?... The Land of the Free and the Home of the Brave - allegedly.
Dude, what's with all the hostility? All I am trying to do is tell other posters that I found a convenient way to get money at a decent rate before you go. I think that's a helpful tip.
Don't be a travel snob.