ANNUITY COMPARISON CHART

Have questions about which annuity is best for you? Our Financial Advisors are here to help. To set up an appointment, call Wachovia Securities at (866) 411-0899, 8:30am to 5:00pm ET, Monday through Friday.

Variable annuities are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your Financial Advisor. Read it carefully before you invest. Annuities are available through insurance subsidiaries of Wachovia Corporation and other underwriters. Not available in all states. Variable annuities are long-term investments suitable for retirement funding and are subject to market fluctuations and investment risk.

Features	Fixed	Variable	Retirement Income
Rates of Return	Slower tax-deferred growth than variable annuities, but a fixed rate of return	More potential for tax-deferred growth than fixed annuities, and greater control over how money is invested, but a greater element of risk	Provides a guaranteed* stream of income for a period of time selected by the policy owner
Risk Factors	Locked in for one or more years, minimum guarantee Principal guaranteed by insurance company	Risk associated with each sub-account	Same as Fixed or Variable, depending on what type of contract you select
Sales Charges	None, 100% of your money goes to work for you immediately	Varies	None for fixed; varies for variable
Tax-Deferral	Yes	Yes	Yes
Avoids Probate	The insurance company	The policy owner	For fixed contracts—the insurance company For variable contracts—the policy owner

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05/05

* Guarantees are made by the issuing insurance company and are based on their claims-paying ability.

All products contained within this Web site may not be offered at a Wachovia branch.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate

Annuity products are offered through Wachovia Insurance Agency, Inc. a non-bank affiliate of Wachovia Corporation, and are underwritten by unaffiliated insurance companies.

Variable annuity products are also offered through Wachovia Securities, LLC, member NYSE/SIPC, a registered broker-dealer and a separate, non-bank affiliate of Wachovia Corporation.