DEBT RATINGS

Several ratings agencies, including Moody's, Standard & Poor's and Fitch, spend considerable time with Wachovia's management reviewing financial performance and strategic objectives. This section contains their most current ratings information available for Wachovia, and may not reflect intra-quarter changes. Great care is taken in obtaining the information in this report and, while it is generally considered to be reliable and accurate, its accuracy cannot be guaranteed.

Note: On April 1, 2002, the former Wachovia Bank, N.A. was merged into and under the charter of First Union National Bank with the resulting title Wachovia Bank, N.A.

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