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Media Contact: Leah Dering
704-383-0551

February 24, 2004
Wachovia Hires Ann Givens as International Business Line Manager in Treasury Services Group

CHARLOTTE, N.C. - Wachovia announced today that Ann Givens has joined Wachovia's Treasury Services Division as Senior Vice President and business line manager for International Treasury Services and the Global Financial Institutions group. Givens will report to Michael Daley, Senior Vice President and manager of Wachovia's Treasury Services Product Solutions.

“Ann’s extensive experience in international banking, together with her proven ability to produce results, will make her a great asset for Wachovia,” Daley said. “We are pleased to have Ann on our team as we continue our success in servicing the global financial institutions marketplace and grow our international treasury business.”

Givens will be responsible for treasury product management, development and sales support for Wachovia’s Global Financial Institutions and International Treasury groups. She will be based in Philadelphia.

Givens joins Wachovia from ABN Amro, where she was most recently the Global Head of Working Capital for the automotive industry. Previously, Givens was North American Regional Manager for Working Capital Sales and Implementations, also at ABN Amro. Givens has worked as a director at Deutsche Bank in London and in Amsterdam for ABN Amro as Senior Advisor for Working Capital Corporates. Givens earned her BA in economics and business from Hollins University in Virginia.

About Wachovia’s Treasury Services Division

In a recent survey of middle and large corporate customers by independent surveyor Phoenix Hecht, 15 out of 18 of Wachovia’s treasury service products ranked “A” or “A+”. Additionally, ten of the bank’s 12 key treasury product capabilities are ranked in the top three for market share in Ernst & Young’s survey. Wachovia’s Information and Access product, Wachovia Connection®, ranked first in that survey. Recently, Wachovia Connection® was also voted the “Best Corporate/Institutional Online Cash Management Service in North America” by Global Finance, and the most recent Bank Leader Survey placed Wachovia’s Treasury Services Number 2 for “Overall Satisfaction” and “Overall Quality of Customer Service”.

About Wachovia

Wachovia Corporation (NYSE:WB) is one of the largest providers of financial services to retail, brokerage and corporate customers throughout the East Coast and the nation, with assets of $401 billion, market capitalization of $61 billion and stockholders’ equity of $32 billion at Dec. 31, 2003. Its four core businesses, the General Bank, Capital Management, Wealth Management, and the Corporate and Investment Bank, serve 9 million households, including 900,000 businesses, primarily in 11 East Coast states and Washington, D.C. Its broker-dealer, Wachovia Securities, LLC, serves clients in 49 states. Global services are provided through 32 international offices. Online banking and brokerage products and services also are available through Wachovia.com.

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