STEVE CUMMINGS

Steve Cummings

Professsional Role:  Head, Corporate and Investment Banking

Corporate Title:  Managing Director of Corporate and Investment Banking

Responsible for:  Providing executive leadership to Corporate and Investment Banking including Investment Banking, Mergers & Acquisitions, Fixed Income, Equities, Real Estate, Principal Investing, Capital Finance, Treasury Services, and Global Financial Institutions and Trade Services

Joined the company: 1998

In current position since:2000

Previous Positions at Wachovia:

• Co-head of Capital Markets
• Chairman and CEO of Bowles Hollowell Conner

Office Location: Charlotte, NC

Education:

• B.A. in Administrative Science, Colby College
• M.B.A., Columbia College

Professional and Community Affiliations:

• Board member, Hospice & Palliative Care Charlotte Region, Children's Scholarship Fund
• Former member and board chair of Camp Thunderbird branch of Charlotte YMCA
• Former member of the Metropolitan Board of Charlotte-Mecklenberg YMCA, North Carolina Child Advocacy Institute

Full Name: Stephen E. Cummings

In addition/Special info:

• Cummings began his investment banking career in 1979 in the corporate finance division of Kidder Peabody in New York. He joined Bowles Hollowell in 1984 and was elected chairman and chief executive office in 1993. Bowles Hollowell merged with First Union in 1998.

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