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Media Contact:   Leah Dering
704-383-0551

December 13, 2004
Wachovia Introduces Remote Desktop Capture
Eliminating transportation costs and improving cash flow

CHARLOTTE, N.C. - Wachovia announced today the introduction of a new receivables service, Remote Desktop Capture, which enables Wachovia clients to capture and transmit images of paper checks for deposit.

Remote Desktop Capture allows clients worldwide to capture images at their business locations via a small desktop scanner. These images are then transmitted to Wachovia via a secure Internet connection for posting and subsequent clearing through either bank-to-bank image exchange or substitute checks.

"Currently, it's both time-consuming and expensive to prepare and transport paper checks for deposit. As a result, we are always examining these processes to create new and innovative ways to manage these costs," said Ranjana Clark, Executive Vice President and Head of Wachovia's Treasury Services Division. "We are excited about the efficiencies Remote Desktop Capture will bring to our corporate and correspondent clients."

Intercam Casa de Cambio, one of Mexico's well-regarded non-bank financial institutions specializing in international payments and currency exchange, has successfully completed implementation of the new Wachovia service. "We always look for ways to control costs and improve cash flows," said Eduardo Garcia Lecuona, CEO of Intercam. "We see Wachovia's Remote Desktop Capture as an answer to these issues and are pleased to realize the savings in time and money this service provides."

Remote Desktop Capture also enables Wachovia corporate and correspondent clients to adapt to a changing industry.

"As the payments world continues its migration from paper to electronic processing in response to the Check 21 legislation in the U.S., Remote Desktop Capture is the next logical progression for a leading global payments bank like Wachovia to provide its customers," said Michael Heavener, Executive Vice President and Head of Wachovia's International Division.

About Wachovia

Wachovia Corporation (NYSE:WB) is one of the largest providers of financial services to retail, brokerage and corporate customers, with retail operations from Connecticut to Florida and west to Texas, and retail brokerage operations nationwide. Its four core businesses, the General Bank, Capital Management, Wealth Management, and the Corporate and Investment Bank, serve approximately 14 million client relationships (including households and businesses), primarily in 15 states and Washington, D.C. Its full-service retail brokerage firm, Wachovia Securities, LLC, serves clients in 49 states and Washington, D.C. Global services are offered through 33 international offices. Online banking and brokerage products and services also are available through wachovia.com.

Wachovia had assets of $436.7 billion, stockholders' equity of $33.9 billion and market capitalization of $61.4 billion at Sept. 30, 2004. SouthTrust acquired by Wachovia on November 1, 2004, had assets of $53.8 billion and stockholders' equity of $4.7 billion at Sept. 30, 2004.

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