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PRESS RELEASES


Media Contact:   Mary Eshet
(704) 383-7777

Media Contact:   Christy Phillips Brown
(704) 383-8178

Investor Contact:   Alice Lehman
(704) 374-4139

Investor Contact:   Ellen Taylor
(704) 383-1381

Investor Contact:   Jeff Richardson
(704) 383-8250

September 20, 2004
Wachovia General Bank President on Panel at Fox-Pitt, Kelton Financial Services Conference

CHARLOTTE, N.C. - Ben Jenkins, president of Wachovia's General Banking Group, will participate in a panel discussion on retail banking on Wednesday, September 22, 2004, at the Fox-Pitt, Kelton Financial Services Conference. This event will be available via live audio webcast beginning at 7:30 a.m. ET through Wachovia's Investor Relations home page at www.wachovia.com/investor. A replay of this webcast will not be available.

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 $418.4 billion, market capitalization of $58.3 billion and stockholders' equity of $32.6 billion at June 30, 2004. Its four core businesses, the General Bank, Capital Management, Wealth Management, and the Corporate and Investment Bank, serve 12 million client relationships (including households and businesses), primarily in 11 East Coast states and Washington, D.C. Its full-service retail brokerage firm, Wachovia Securities, LLC, serves clients in 49 states. Global services are offered through 33 international offices. Online banking and brokerage products and services also are available through Wachovia.com.

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