PRODUCT COMPARISON CHART

For a business just starting a retirement plan or plans, with up to approximately $500,000 in retirement plan assets.

• Affordable, easy to set up
• May be primarily employee funded
• Pretax contribution advantages
• May include employer contributions or matching contributions, subject to vesting schedules
• Flexible plan design, including loans
• Wide range of investment options

For individual business owners that only employ family members*.

• Online plan establishment
• IRS-approved prototype plan document
• Online plan disclosures
• Toll-free administrative support
• Daily account valuation
• All required compliance testing
• All required tax reporting
• Quarterly and annual plan account statements

Small businesses who want to save for retirement as well as offer a retirement plan for their employees

• Tax-deferred earnings for employees
• Tax deductible contributions
• Quick, easy setup
• Wide range of investment products
• Professional guidance from a Wachovia Securities Financial Advisor available

For business with retirement plan assets between $500,000 and $3 million.

• A wide range of investment options
• A suite of customized multi-media tools
• Full-service, 24/7 support
• Fully automated, multi-fund family trading
• Compliance testing and reporting
• Participant statement production and fulfillment
• Sponsor and participant communications