PRESS RELEASES

December 1999
November 1999
October 1999
September 1999
August 1999
July 1999
June 1999
May 1999
April 1999
March 1999
February 1999
January 1999

December 1999

December 31, 1999
HIGH TECH & PROFESSIONAL SERVICES CONTINUE TO FUEL MARYLAND'S ECONOMY

December 30, 1999
FIRST UNION ANNOUNCES INTERNET REQUIREMENTS FOR AGGREGATOR COMPANIES IN AN EFFORT TO ADDRESS CUSTOMER SECURITY AND PRIVACY CONCERNS

December 27, 1999
HIGH TECH SERVICES & AN IMPROVING FACTORY SECTOR WILL DRIVE NEW JERSEY'S ECONOMY IN 2000

December 22, 1999
WACHOVIA ANNOUNCES MANAGEMENT CHANGE IN CAPITAL MARKETS

December 22, 1999
WACHOVIA BANK CARD SERVICES PURCHASES CREDIT CARD PORTFOLIO

December 21, 1999
FIRST UNION PLEDGES INITIAL $250,000 TO CAPITAL FUND FOR MINORITY-OWNED HERITAGE COMMUNITY BANK

December 21, 1999
WACHOVIA CEO AGREES TO EXTENDED EMPLOYMENT CONTRACT

December 14, 1999
WACHOVIA ANNOUNCES EAST FLORIDA EXPANSION

December 13, 1999
WACHOVIA COMPLETES PRIVATE EQUITY OFFERING FOR BTI

December 09, 1999
ELEVEN MAJOR U.S. BANKS SET TO PARTICIPATE IN SPECTRUM

December 08, 1999
FIRST UNION INVESTS $19.5 MILLION IN BRIGHTLANE.COM

December 06, 1999
FIRST UNION TO HOST INTERNET BILLING SERVICES WITH SUN - NETSCAPE ALLIANCE 'S NEW SPECTRUM-COMPATIBLE IPLANET(TM) BILLERXPERT SOLUTION

December 06, 1999
SUN - NETSCAPE ALLIANCE 'S NEW INTERNET BILLING CONSOLIDATION APPLICATION TO HELP MAKE INTERNET

December 01, 1999
FIRST UNION SECURITIES ANNOUNCES ONLINE FOREIGN EXCHANGE

November 1999

November 24, 1999
MILLER TO RETIRE, CHERRY TO BECOME VIRGINIA BANKING CEO

November 16, 1999
FIRST UNION NOW OFFERS ONLINE MORTGAGE APPROVAL WITHIN MINUTES

November 05, 1999
FIRST UNION ESTABLISHES ALLIANCE WITH NATIONAL ASSOCIATION OF WOMEN BUSINESS OWNERS

November 04, 1999
FIRST UNION ANNOUNCES $5 BILLION LENDING GOAL TO WOMEN BUSINESS OWNERS; WEB SITE PROVIDES ACCESS TO INFORMATION, RESOURCES

November 02, 1999
JAMES R. BORIS ANNOUNCES RETIREMENT; DANIEL J. LUDEMAN ASSUMES POSITION AS HEAD OF RETAIL SECURITIES

November 01, 1999
WACHOVIA OFFERS INTERNET ACCESS FOR RETIREMENT PLAN PARTICIPANTS

November 01, 1999
WACHOVIA REALIGNS MANAGEMENT IN SOUTH CAROLINA

October 1999

October 29, 1999
WACHOVIA OFFERS BROWSER-BASED TRADE SERVICES

October 25, 1999
FIRST UNION'S GLOBAL CASH MANAGEMENT DIVISION INTRODUCES WHOLESALE LOCKBOX IMAGE DELIVERY ONLINE

October 22, 1999
FIRST UNION'S GLOBAL CASH MANAGEMENT DIVISION ANNOUNCES FIRST PRODUCTION CUSTOMER FOR ELECTRONIC BILL PRESENTMENT & PAYMENT

October 22, 1999
IJL WACHOVIA, UNC CREATE STUDENT INVESTING PROGRAM

October 22, 1999
WACHOVIA ANNOUNCES DIVIDEND FOR THE FOURTH QUARTER OF 1999

October 21, 1999
WACHOVIA OFFERS EXTENSIVE ONLINE CONSUMER CREDIT RESOURCE

October 19, 1999
FIRST UNION CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

October 14, 1999
FIRST UNION REPORTS 3RD QUARTER 1999 EARNINGS PER SHARE OF 84 CENTS

October 13, 1999
WACHOVIA ANNOUNCES THIRD QUARTER EARNINGS

October 12, 1999
FIRST UNION CHILDREN'S CAP ACCOUNT GOES HI-TECH; INTERACTIVE WEB SITE TEACHES KIDS ABOUT FINANCIAL RESPONSIBILITY

October 07, 1999
FIRST UNION REACHES ONE MILLION RETAIL ONLINE CUSTOMER MILESTONE; MORE THAN DOUBLES ONLINE CUSTOMER BASE IN 1999

October 07, 1999
WACHOVIA TO PURCHASE CANTON, GA.-BASED BANKING COMPANY

September 1999

September 28, 1999
FIRST UNION SERVES TEXAS WITH CORPORATE TRUST OFFICE

September 28, 1999
FIRST UNION'S TOP TRAINING EXECUTIVE WINS CORPORATION'S TOP AWARD

September 27, 1999
FIRST UNION'S VAUGHAN HONORED AT CORPORATE LEADERSHIP EVENT

September 24, 1999
WACHOVIA ESTABLISHES FLORIDA HEADQUARTERS

September 21, 1999
FIRST UNION MARKS 100 DAYS TO YEAR 2000; LAUNCHES CUSTOMER AWARENESS CAMPAIGN

September 17, 1999
WACHOVIA ANNOUNCES SPECIAL ASSISTANCE FOR HURRICANE VICTIMS

September 15, 1999
FIRST UNION OFFERS SPECIAL LOAN HELP IN THE EVENT OF DAMAGE FROM HURRICANE FLOYD

September 09, 1999
FIRST UNION SELECTED AS ONE OF THE 50 BEST COMPANIES FOR LATINAS TO WORK FOR IN THE U.S.

September 09, 1999
STATE STREET TO ACQUIRE WACHOVIA'S INSTITUTIONAL TRUST AND CUSTODY BUSINESS

September 02, 1999
WACHOVIA COMPLETES MERGER WITH BARRY, EVANS, JOSEPHS & SNIPES INC.

September 01, 1999
FIRST UNION ECONOMIC ANALYSIS: GEORGIA POSTS SOLID ECONOMIC GROWTH IN SECOND QUARTER

September 01, 1999
FIRST UNION NAMED AMONG '100 BEST COMPANIES FOR WORKING MOTHERS'

September 01, 1999
WACHOVIA COMPLETES MERGER WITH OFFITBANK

August 1999

August 26, 1999
FIRST UNION INSTITUTIONAL DEBT MANAGEMENT CLOSES $550 MILLION PRIVATE PLACEMENT; BRINGS ASSET TOTAL TO $1.5 BILLION

August 25, 1999
FIRST UNION ANNOUNCES NEW APPOINTMENTS TO GENERAL BANK LEADERSHIP

August 24, 1999
FIRST UNION RAISES PRIME RATE

August 16, 1999
WACHOVIA TO EXPAND SERVICES AT NEW SOUTHPARK OFFICE

August 09, 1999
FIRST UNION ANNOUNCES LEADERSHIP ORGANIZATION

August 04, 1999
WACHOVIA ANNOUNCES SELECTION AS PRIMARY BANK FOR UNC ONE CARD, EXPANSION OF CAMPUS CARD PROGRAM

July 1999

July 29, 1999
FIRST UNION GLOBAL CASH MANAGEMENT INTRODUCES TELLER POSITIVE PAY NEW PRODUCT EXPANDS FRAUD PROTECTION FOR CUSTOMERS

July 29, 1999
FIRST UNION NAMES G. KENNEDY THOMPSON PRESIDENT

July 23, 1999
PRENDERGAST ELECTED DIRECTOR OF WACHOVIA

July 23, 1999
WACHOVIA INCREASES THIRD QUARTER 1999 DIVIDEND

July 15, 1999
FIRST UNION GLOBAL CASH MANAGEMENT TO PILOT FOUR INNOVATIVE AUTOMATED CLEARING HOUSE PRODUCTS

July 14, 1999
FIRST UNION REPORTS 2ND QUARTER 1999 EARNINGS OF 90 CENTS PER SHARE

July 14, 1999
WACHOVIA ANNOUNCES SECOND QUARTER EARNINGS

July 08, 1999
WACHOVIA TO PURCHASE CHARLOTTE-BASED INSURANCE GROUP

July 07, 1999
WACHOVIA CELEBRATES Y2K READINESS IN JULY

June 1999

June 25, 1999
CORPORATE ATTORNEYS COUNSEL BLACK LAWYERS ON DEVELOPING BUSINESS OPPORTUNITIES

June 23, 1999
FIRST UNION'S CAPITAL MANAGEMENT GROUP PREPARES FOR CONTINUED GROWTH; NAMES DENNIS FERRO CHIEF INVESTMENT OFFICER

June 23, 1999
FIRST UNION, CHASE, WELLS FARGO TO FORM NEW COMPANY TO DRIVE RAPID GROWTH IN ELECTRONIC BILLING

June 21, 1999
WACHOVIA NAMES HAMRICK REGIONAL EXECUTIVE IN RICHMOND

June 09, 1999
FIRST UNION INSTITUTIONAL DEBT MANAGEMENT CLOSES $545 MILLION PRIVATE PLACEMENT

June 09, 1999
WACHOVIA CREATES NEW TECHNOLOGY SUBSIDIARY

June 01, 1999
WACHOVIA SADDENED BY DEATH OF JOHN F. WATLINGTON JR.

May 1999

May 26, 1999
GRUBE NAMED WACHOVIA'S SOUTHERN REGION EXECUTIVE IN N.C.

May 25, 1999
FIRST UNION 1999 EARNINGS OUTLOOK REVISED TO $3.40 TO $3.50 PER SHARE A YEAR OF TRANSITION, CONSOLIDATION AND STRATEGIC FOCUS

May 13, 1999
COCKMAN TO SERVE AS WACHOVIA'S WESTERN REGION EXECUTIVE IN VIRGINIA

May 13, 1999
OFFITBANK, A LEADING WEALTH MANAGEMENT COMPANY, TO MERGE WITH WACHOVIA

May 13, 1999
WACHOVIA NAMES CHERRY VIRGINIA BANKING PRESIDENT

May 06, 1999
COPPEDGE TO LEAD WACHOVIA BANK IN FLORIDA

May 06, 1999
TIDWELL NAMED GEORGIA BANKING PRESIDENT AT WACHOVIA BANK

May 04, 1999
FIRST UNION GLOBAL CASH MANAGEMENT TEAMS WITH SUN-NETSCAPE ALLIANCE TO BUILD INTERNET INFRASTRUCTURE

April 1999

April 29, 1999
WACHOVIA RECEIVES PATENT FOR IMAGING SYSTEM

April 28, 1999
MARK TREANOR TO BECOME FIRST UNION'S GENERAL COUNSEL; MARION COWELL TO RETIRE FOLLOWING 27 YEARS OF SERVICE

April 27, 1999
PIGGOTT NAMED WACHOVIA PRINCIPAL OF THE YEAR IN NORTH CAROLINA

April 26, 1999
FIRST UNION TO ACQUIRE EVEREN

April 23, 1999
DAVIS, KELLY, MCLEAN AND TRUSLOW ELECTED SENIOR EVPS AT WACHOVIA

April 23, 1999
MCDOWELL TO LEAD REGIONAL CORPORATE FINANCIAL SERVICES AT WACHOVIA

April 23, 1999
WACHOVIA DECLARES SECOND QUARTER 1999 DIVIDEND

April 23, 1999
WACHOVIA NAMES CHIEF OPERATING OFFICER AND VICE CHAIRMEN

April 23, 1999
WACHOVIA NAMES SPENCE CAROLINAS BANKING EXECUTIVE

April 23, 1999
WELLS TO HEAD CONSOLIDATED CONSUMER BANKING DIVISION AT WACHOVIA

April 21, 1999
FIRST UNION EXPANSION CREATES LARGEST CORPORATE CHILD CARE CENTER IN US

April 15, 1999
FIRST UNION REPORTS OPERATING EARNINGS OF $1.00 PER SHARE

April 14, 1999
WACHOVIA ANNOUNCES FIRST QUARTER EARNINGS

April 01, 1999
FIRST UNION GLOBAL CASH MANAGEMENT TO OFFER ELECTRONIC COMMERCE REAL-TIME PROCESSING VIA STERLING COMMERCE

April 01, 1999
WACHOVIA COMPLETES MERGER WITH INTERSTATE/JOHNSON LANE

March 1999

March 29, 1999
FIRST UNION INVESTMENT ADVISOR COMMENTS ON DOW'S RECORD ALTITUDE

March 19, 1999
FIRST UNION DESCRIBES RESTRUCTURING PLAN AND REAFFIRMS EARNINGS OUTLOOK FOR 1999

March 16, 1999
FIRST UNION GLOBAL CASH MANAGEMENT INTRODUCES DUAL FUNDS TRANSFER CAPABILITIES IN SINGLE INTERNET PRODUCT

March 02, 1999
FIRST UNION'S GLOBAL CASH MANAGEMENT DIVISION LAUNCHES ELECTRONIC CHECK PROCESSING AT POINT OF SALE

February 1999

February 02, 1999
FIRST UNION CLOSES $50 MILLION REVOLVING CREDIT FACILITY FOR MAJOR PHILADELPHIA AREA-BASED TRANSPORTATION COMPANY

January 1999

January 26, 1999
FIRST UNION ELIMINATES GAIN ON SALE TREATMENT

January 25, 1999
$13 MILLION COMMITMENT FOR LOCAL INITIATIVES SUPPORT CORPORATION TO SUPPORT COMMUNITY DEVELOPMENT

January 18, 1999
FIRST UNION CHOOSES VASCO'S DIGIPASS SECURITY TOKENS FOR SECURE INTERNET AND PC CASH MANAGEMENT SERVICES: SIXTH LARGEST U.S. BANK EXPECTS 15,000 CORPORATE CUSTOMERS THIS YEAR FOR SECURE PAYMENT AND TRANSACTION INITIATION SERVICES

January 14, 1999
FIRST UNION'S 1998 OPERATING EARNINGS HIT RECORD $3.7 BILLION

January 05, 1999
FIRST UNION INSTITUTIONAL DEBT MANAGEMENT CLOSES $425 MILLION PRIVATE PLACEMENT

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