PRESS RELEASES

"Visa Extras is not a one-time promotion," said Jeanine Tabaczynski, Senior Vice President of Wachovia's Access Products, "but instead will be a core feature of our Business Check Card. We are continually looking for ways to enhance the services we provide to our customers."

Business Check Card customers may enroll at www.wachovia.com/visaextras or www.visa.com/extras-business. Enrolled customers will earn one point for every dollar spent when they sign for their purchases. They will earn two points for every dollar spent over $4,000 annually.

Wachovia's Business Check Card combines the flexibility of an ATM card with the purchasing power of Visa. There is no monthly fee, and customers are protected by Wachovia's Zero Liability policy if their cards are lost or stolen.

"The Business Check Card helps our small business customers manage their business spending and cash flow more efficiently," said Tabaczynski. "We are proud to partner with Visa and reward our customers for the business they are already conducting."

About Wachovia

Wachovia Corporation (NYSE:WB) is one of the largest providers of financial services to retail, brokerage and corporate customers throughout the East Coast and the nation, with assets of $389 billion and stockholders' equity of $33 billion at Sept. 30, 2003. Its four core businesses, the General Bank, Capital Management, Wealth Management, and the Corporate and Investment Bank, serve 9 million households, including 900,000 businesses, primarily in 11 East Coast states and Washington, D.C. Its broker-dealer, Wachovia Securities, LLC, serves clients in 48 states. Global services are provided through more than 30 international offices. Online banking and brokerage products and services also are available through wachovia.com.

ATTENTION WACHOVIA CUSTOMERS: To enroll in Visa Extras, please type www.wachovia.com/visaextras into the address bar of your Internet browser or call (800) 960-8472.