2004 PRESENTATIONS

December 07, 2004
WACHOVIA CEO KEN THOMPSON PRESENTS AT GOLDMAN SACHS ANNUAL BANK CEO CONFERENCE
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November 17, 2004
WACHOVIA CEO KEN THOMPSON PRESENTS AT THE BANK ADMINISTRATION INSTITUTE'S RETAIL DELIVERY CONFERENCE
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November 15, 2004
WACHOVIA CEO KEN THOMPSON PRESENTS AT MERRILL LYNCH BANKING & FINANCIAL SERVICES INVESTOR CONFERENCE
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November 04, 2004
WACHOVIA'S BEN JENKINS TO PRESENT AT BANCANALYSTS ASSOCIATION OF BOSTON CONFERENCE
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October 28, 2004
WACHOVIA SPECIAL MEETING OF SHAREHOLDERS
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October 15, 2004
WACHOVIA'S 3rd QUARTER 2004 EARNINGS PER SHARE UP 16% TO 96 CENTS
Record net income of $1.26 billion fueled by strong execution in core businesses

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September 22, 2004
GENERAL BANK PRESIDENT BEN JENKINS PRESENTS AT THE FOX-PITT, KELTON CONFERENCE
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September 13, 2004
WACHOVIA CEO KEN THOMPSON PRESENTS AT LEHMAN BROTHERS CONFERENCE ON SEPTEMBER 13
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September 08, 2004
WB INVESTOR UPDATE
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August 23, 2004
INVESTOR UPDATE
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August 19, 2004
WACHOVIA-SOUTHTRUST MERGER UPDATE
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July 26, 2004
MERGER INTEGRATION PLANNING
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July 15, 2004
WACHOVIA'S 2^nd QUARTER 2004 GAAP EARNINGS UP 23% TO 95 CENTS PER SHARE
Net income of $1.25 billion fueled by continued momentum in core businesses
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June 21, 2004
WACHOVIA AND SOUTHTRUST TO MERGE IN STOCK-FOR-STOCK TRANSACTION
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June 17, 2004
WACHOVIA GENERAL BANK PRESIDENT PRESENTS AT PIPER JAFFRAY RETAIL BANKING SYMPOSIUM
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May 11, 2004
CEO KEN THOMPSON PRESENTS AT UBS 2004 GLOBAL FINANCIAL SERVICES CONFERENCE
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April 20, 2004
ANNUAL MEETING OF SHAREHOLDERS
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April 19, 2004
WACHOVIA'S 1st QUARTER 2004 GAAP EARNINGS UP 24% TO 94 CENTS PER SHARE
Record $1.25 billion net income fueled by strong market-related revenue and continued momentum in core businesses
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March 03, 2004
WACHOVIA TREASURER TOM WURTZ PRESENTS AT JP MORGAN FINANCIAL SERVICES CONFERENCE
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January 28, 2004
WACHOVIA CFO BOB KELLY PRESENTS AT SMITH BARNEY FINANCIAL SERVICES CONFERENCE
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January 15, 2004
WACHOVIA'S 4TH QUARTER 2003 GAAP EARNINGS UP 26% TO 83 CENTS PER SHARE
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