VISION AND VALUES

Wachovia's vision is to be the best, most trusted and admired financial services company. Our Operating Committee — after receiving ideas and feedback from employees — adopted the following statement of the company's values in the spring of 2002:

Integrity

Trust and honesty are essential to us. We do what we say we will do. We communicate with candor. We admit our mistakes. We are people who can be trusted.

Respect and Value the Individual

We embrace diversity, seeking new ideas and listening and learning from each other. We appreciate the unique capabilities and contributions of each person. We foster personal growth. We are at our best when fully engaged with our families, friends and communities.

Teamwork

We achieve far more as a team than as individuals. We do not tolerate those who put their own self-serving interest above those of our customers, colleagues and shareholders.

Service

We are passionately committed to service. Through our dedication to service, we create value for customers, communities and shareholders.

Personal Excellence and Accountability

We are committed to the highest level of personal performance. Each of us takes our roles and responsibilities seriously.

Winning

As a team, we play to win. We are optimistic, confident and driven by a sense of urgency and a desire to excel. We are focused on the long-term success of Wachovia.

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