19. Visa (V), much like MasterCard, acts as the payment processor of credit cards for financial institutions by facilitating the authorization, clearing and settlement of transactions on its proprietary networks. Last week, it said is setting aside $1.6 billion to cover potential costs from pending lawsuits over alleged price-fixing of fees, adding to the $2.7 billion it already earmarked for such expenses.20. Wells Fargo (WFC) is one of the nation's largest banks and is not seeing the severe problems of its competitors. It's on Goldman Sachs' "conviction buy" list for 2012 and is "buy"-rated at S&P.