Wachovia - AdviceTrack(®)

AdviceTrack gets - and keeps - employees on the path to meeting their financial goals by combining a personalized investment strategy with automatic savings increases. AdviceTrack has two features:

Managed Investing: A Complete, Personalized Strategy
AdviceTrack is designed to simplify the decision-making process. Participants who join the program can have a personalized investment strategy¹ created for them by experienced investment professionals who will monitor and rebalance the portfolio regularly.

Managed Saving: Automatic Increases in Contribution Rates
It’s easier for employees to save and invest more if they have an automatic solution working for them. This feature is designed to boost employee savings rates with automatic annual increases of 2% in plan contributions to a program maximum of 10%², a manageable amount your employees can commit to over time.

A Comprehensive Solution for Retirement Plan Participants
AdviceTrack allows plan sponsors to offer an attractive program for their employees that will help them achieve their retirement savings goals. For more information, call (800) 917-9343.

¹ AdviceTrack gives participants the opportunity to provide us with more information about their personal situation, including, but not limited to, other retirement plan assets, their partner's retirement plan assets and other outside assets available for retirement use. If the participant provides that information, we will use it to create an investment strategy that is more closely matched to their needs. Participants are not required to provide this information, but are strongly encouraged to do so. If the participant does not provide the additional information, we will develop an investment strategy for them that is based solely on the information available to us, which generally is limited to age, gender, assumed years to retirement, current salary, current savings rate and account balance. That strategy might be materially different from the one that we would have recommended if the participant had provided us with all the requested information.

Wachovia has retained Morningstar Associates, LLC as an independent financial expert in connection with providing investment advice in accordance with applicable laws. Morningstar Associates is a registered investment adviser and a subsidiary of Morningstar, Inc., neither of which is an affiliate of Wachovia. Any mention of Morningstar is a reference to Morningstar Associates, LLC.

² Participants who are permitted, under plan and legal limits, to contribute more than 10% annually to the plan must elect to do so on their own. All participant contributions are subject to applicable plan and legal limits.

³ Asset-based program fees apply to participant accounts managed under AdviceTrack.

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