PRODUCT COMPARISON CHART

	Generally suitable for	Features and advantages include
Full Service 401k	Larger companies (100 or more employees) that want full-service bundled 401k plan.	Flexible range of plan design options May be primarily employee funded Pretax contribution advantages May include employer contributions, subject to vesting schedules Full range of investment options from leading fund families; company stock; self-managed accounts Employee communications and education support
Profit Sharing Plan	Companies of any size that want the flexibility to change contributions annually and to focus employees on profits	Employer funded, with choice of formulas, up to certain limits per employee Deductible up to 25% of payroll Flexibility in plan design includes vesting schedules Broad choice of investment options, including major fund families, company stock, and self-managed accounts
Money Purchase Plan	Companies that want to commit to the same percentage contribution each year	Employer funded, at a fixed contribution rate, up to certain limits per employee Deductible up to 25% of payroll May allow for loans and vesting schedules

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06/05

Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.

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