STEVE CUMMINGS

Steve Cummings
Head, Corporate and Investment Banking
Wachovia Corporation

Provides executive leadership to:  Corporate and Investment Banking (including Investment Banking, Fixed Income, Equities, Capital Finance, Treasury Services, Global Financial Institutions and Trade Services)

Full name:  Stephen E. Cummings

Joined the company:  1998

In current position since:  2000

Previous positions at the company:  Co-head of Capital Markets; chairman and CEO, Bowles Hollowell Conner

Education:  B.A. in administrative science, Colby College
M.B.A., Columbia University

Born:  May 27, 1955

Community leadership:  Board member, Hospice & Palliative Care Charlotte Region, Children’s Scholarship Fund; former member and board chair, Camp Thunderbird branch of Charlotte YMCA; former member, Metropolitan Board of Charlotte-Mecklenburg YMCA, North Carolina Child Advocacy Institute

In addition:  Cummings began his investment banking career in 1979 in the corporate finance division of Kidder Peabody in New York. He joined Bowles Hollowell in 1984 and was elected chairman and chief executive officer in 1993. Bowles Hollowell merged with First Union in 1998.

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