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Media Contact:   Sarah Holden (704) 383-7157 September 14, 2001 FIRST UNION AND WACHOVIA OFFER SPECIAL LOAN HELP IN WAKE OF THE ATTACKS ON SEPTEMBER 11, 2001 CHARLOTTE, NC - Wachovia Corporation (NYSE: WB), through its subsidiaries First Union National Bank and Wachovia Bank, N.A., is offering a special loan program to those impacted by the attacks on September 11, 2001. For the next 45 days, consumers can obtain an unsecured loan between $3,000 and $15,000 with no origination fee at 9.99% APR. The loan's maximum term is 36 months and the first payment will be deferred for 60 days. The banks also are offering consumers the option of deferring a payment on any existing consumer installment loans. The company has established special hotlines to assist those impacted. For information on new loans at the special rate mentioned above, consumers can call 1-800-761-4221 or contact their local branch. To inquire about deferring payment on existing consumer installment loans, First Union customers should call 1-800-334-3601; Wachovia customers should call 1-800-346-6512. These offers apply only to those impacted by the attacks on September 11, 2001. Wachovia Corporation, created through the September 1, 2001, merger of First Union and Wachovia with pro forma assets of $322 billion as of June 30, is a leading provider of financial services to 19 million retail and corporate customers throughout the East Coast and the nation. The company operates full-service banking offices in 11 East Coast states and Washington, D.C., and offers full-service brokerage with offices in 47 states and global services through more than 30 international offices.

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