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Media Contact:   Jennifer Darwin (704) 383-8149 September 29, 2003 Wachovia Mortgage Corporation Educates First-time Homebuyers Through Informative E-mail Campaign Participants Eligible for One-Time Credit of $99 Toward Application Fee CHARLOTTE, N.C. - Wachovia Mortgage Corporation has launched an e-mail campaign targeted at first-time homebuyers. The First Home E-mail Series aims to educate consumers on what they need to know about the home buying process. Once registered, consumers will receive a series of six e-mails designed to explain the home buying experience in everyday terms. Topics covered include: the financial advantages of buying a home, choosing the right mortgage and finding a real estate agent. "Buying a home can be confusing and a little scary," said Joan Sommerer, vice president and manager of the Strategic Solutions area of Wachovia Mortgage's Direct Lending. "We know there are many factors to consider when buying a house and would like to make the process easier for our customers with this series." Consumers can register for the free program by accessing www.wachovia.com/firsthome or by logging on to wachovia.com and clicking on the banner that says: "First Home E-mail Series" located throughout the site. Participants do not have to be Wachovia customers to use the program. If they register before Nov. 15, 2003, customers are automatically eligible for a one-time credit of $99 to be used toward their application fee at closing. This email series has been offered three previous times and attracted more than 6,600 subscribers. One feature that has been added this year is more in-depth information on the products available to low- and moderate-income homebuyers, including some that offer up to 100 percent financing. "We want to help make homeownership a reality for everyone," said Sommerer. "This information and the $99 application credit can help people achieve that goal and realize that homeownership is within their reach." 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 $364 billion and stockholders' equity of $32 billion at June 30, 2003. The company operates full-service banking offices in 11 East Coast states and Washington, D.C., and offers retail brokerage services in 48 of the 50 states. Global services are provided through more than 30 international offices. Online banking and brokerage products and services are available through wachovia.com. Wachovia Mortgage Corp. is an equal housing lender.

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