Wachovia Tennessee

As part of our merger process for Tennessee, we will be converting SouthTrust financial centers to serve you under the Wachovia name and brand. Once this process is complete, you will have full service access to your accounts at over 3,000 financial centers and 5,300 ATMs from Florida to Texas to Connecticut.

Here is some pertinent information regarding the conversion and how it will affect you. Should you have additional questions after viewing the information, please call the number shown to speak with a customer service representative.

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Further information regarding the proposed merger is available in the joint proxy statement/prospectus, and the information contained in this Q&A is subject to, and qualified in its entirety by reference to, the joint proxy statement/prospectus. Shareholders are urged to read the joint proxy statement/prospectus regarding the proposed merger.

Additional Information Regarding Proposed Merger with SouthTrust
The proposed merger between Wachovia and SouthTrust will be submitted to Wachovia's and SouthTrust's shareholders for their consideration. Shareholders are urged to read the definitive joint proxy statement/prospectus regarding the proposed transaction and any other relevant documents filed with the SEC, as well as any amendments or supplements to those documents, because they will contain important information. You will be able to obtain copies of all documents filed with the SEC regarding the proposed merger, free of charge, at the SEC's Internet site www.sec.gov. You will also be able to obtain these documents, free of charge, at www.wachovia.com or at www.southtrust.com.

TENNESSEE