PRESS RELEASES

December 15, 2004
Wachovia Opens Representative Office in Russia

December 13, 2004
Wachovia Introduces Remote Desktop Capture

November 16, 2004
Wachovia Securities Names George Johns Head of Financial Institutions Investment Banking Group

November 08, 2004
Wachovia Introduces Lockbox Service for High-volume, Low-dollar Remittance Clients

November 02, 2004
Wachovia Leaders to Attend the 25th Annual AFP Conference

October 28, 2004
Wachovia Introduces Accounts Receivable Conversion Capability for Retail Lockbox Customers

October 27, 2004
Wachovia Introduces National Deposit Program

October 07, 2004
Wachovia Leaders to Attend Annual Sibos Conference in Atlanta

September 23, 2004
Wachovia Bank's International Division Announces Enhancements to CyberImport

September 23, 2004
Wachovia Securities Names Elton Vogel Managing Director, Co-head of Leveraged Finance Origination

September 08, 2004
Wachovia Subsidiary Congress Financial of Canada Announces a Strategic Alliance With Scotiabank

August 26, 2004
Wachovia Capital Partners Invests $20 Million in American Renal Associates and Offers an Additional $10 Million in Growth Capital

August 10, 2004
Wachovia Names Certoman CIO for Corporate and Investment Bank

May 27, 2004
Lisa Beeson Joins Wachovia Securities Mergers and Acquisitions Group

May 05, 2004
Wachovia Sponsors Two Treasury Services Expos in Florida

May 04, 2004
Wachovia's International Division Announces Agreement With eTraderoom

April 29, 2004
Wachovia Securities Names Ben Williams Head of Newly Formed Global Capital Markets Group

April 27, 2004
Mark C. Lamarre Named Head of Equity Private Placements Group at Wachovia Securities

April 15, 2004
Wachovia Securities Hires Industry Veteran Dennis Kraft to Head Consumer Asset-backed Securities Research

April 15, 2004
Wachovia Treasury Services to Participate in TEXPO 2004 Conference

April 14, 2004
Wachovia Hires Barry Bobrow as Head of Asset-based Syndicate

April 06, 2004
Wachovia Securities Expands Structured Credit Products Business With New Hires on the Marketing, Structuring and Trading Desks

March 16, 2004
Wachovia Securities Hires Stephen Gallagher to Co-head Investment Grade Credit Trading

March 01, 2004
Steve Cummings Named Head of Wachovia's Corporate & Investment Banking Group Effective May 1

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

February 23, 2004
Wachovia Bank Establishes Strategic Alliance With First Data Subsidiary, REMITCO, to Process Retail Lockbox Remittances

February 12, 2004
Wachovia Provides Financing for Jamaican Infrastructure Development Project

February 05, 2004
John Ciccarone Hired by Wachovia's Global Payment Services Group as US Dollar Payments and Americas Region Market Consultant

February 03, 2004
Wachovia Securities Hires Christopher Floyd as Part of High Grade Corporate Bond Sales Expansion

January 05, 2004
Wachovia's Global Financial Institutions Americas Group Hires Carlos Singer

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