The event consisted of workshops that helped participants resolve credit
issues. Its four core businesses, the General Bank, Capital
Management, Wealth Management, and the Corporate and Investment Bank, serve 13
million household and business relationships primarily through 3,277 offices
in 15 states and Washington, D.

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In addition to working to educate potential homebuyers, Wachovia
originated almost $25 billion in mortgage loans last year, with nearly
$6 billion in loans directly benefiting lower-income families and
neighborhoods. Civil rights is not an issue of
preemption, it's a national priority.

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"At Wachovia, we believe that empowering people to make good financial
decisions is the key to increasing homeownership," said Mike Rizer, director
of Community Relations for Wachovia .
A third seminar, to be held in Atlanta, is currently being planned.
- Making $11 million in community development grants and in-kind
donations. Its full-service retail brokerage firm ,
Wachovia Securities, LLC, also serves clients through 693 offices in 49 states
and five Latin American countries. Global services are
offered through 33 international offices. The Center for Responsible
Lending disagrees, saying the Comptroller of the Currency should stop helping
them oppose Spitzer's legitimate attempt to enforce state law.

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Our Corporate and Investment Bank serves
clients primarily in 10 key industry sectors nationwide.org.

mutually deficient

curbing adhere

Wachovia also worked with 176 community mortgage partners to provide
homeownership counseling and mortgages to more than 1,000 first-time
homebuyers in 2004. NCRC's membership is committed to
eliminating the dual lending marketplace both in New York and across the
nation.

curbing actionable

"
Wachovia partnered with the North Texas Housing Coalition to deliver
"Operation WOW: Credit Boot Camp" at the Dallas Convention Center June 4.

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, To mark National
Homeownership Month, Wachovia Corp. is sponsoring seminars in June to educate
first-time homebuyers on credit issues and the home-buying process.
- Participating in Habitat for Humanity building projects in markets up
and down the East Coast. Their federal
regulator , the Office of the Comptroller of the Currency, agrees and sued
Spitzer.
The Comptroller sued the same day the Clearing House Association, a group
of banks including JPMorgan Chase, HSBC, and Wells Fargo, asked a federal
court to bar Spitzer from making them reveal the information. Predatory lenders do
most of their business in this market, which has exploded in the last decade.

bureaus actionable

Events focus on credit and homebuyer education

CHARLOTTE, N.
Spitzer asked the banks to explain why the numbers the federal government
requires them to make public each year show racial disparities in the banks'
mortgage lending. and these New York state groups: The Fair Housing
Justice Center of HELP USA, the Neighborhood Economic Development Advocacy
Project and the Foreclosure Prevention Project of South Brooklyn Legal
Services.

misrepresentation boycotting

Equifax representatives will provide credit training, and Wachovia Mortgage
Corporation will conduct a homebuyer education seminar . The program
includes lessons on homeownership and building and repairing credit.
The Center for Responsible Lending, a nonprofit, nonpartisan research and
advocacy group, opposes the federal agency's aggressive effort to overturn
decades of state and local governments enforcing their own fair-lending laws
and says federal law supports the center's position.

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C.3 billion and stockholders ' equity of $46.5 billion at
March 31, 2005.

netcheck boycotting

8 billion, market
capitalization of $80.C. "Unfortunately , the
Office of the Comptroller of the Currency has chosen to fight for turf instead
of fairness .

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CRL is affiliated
with Self-Help, one of the nation's largest community development financial
institutions .

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The banks contend that only the federal government has the power to
enforce even state laws against national banks.

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The counseling provides an easy way for prospective
homebuyers to get information and apply for mortgage loans.

ABOUT WACHOVIA
Wachovia Corporation (NYSE: WB) is one of the largest providers of
financial services to retail, brokerage and corporate customers, with retail
operations from Connecticut to Florida and west to Texas, and retail brokerage
operations nationwide.

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"Providing consumers with practical
advice on how to maintain good credit -- and correct credit problems --
prepares them to be successful borrowers and homeowners. Available through Wachovia mortgage consultants throughout the
East Coast or at 1-800-922-6267, these affordable mortgages offer low/no down
payments and flexible terms.4 million in down payment assistance to more than 400 low -
income homebuyers.
Predatory loans threaten working-class people with financial reverses and even
the loss of their homes and expose fragile neighborhoods to the blight of
foreclosures and boarded-up houses."
"We hope a commitment to freeing the credit marketplace of discrimination
is something every public official shares," said Halperin. We are disappointed by its choice of priorities ."
Among the groups joining the legal brief are the National Community
Reinvestment Coalition , the National Fair Housing Alliance, the National
Association of Consumer Advocates, AARP and the NAACP Legal Defense and
Educational Fund Inc.

actionable netcheck

The
seminars include training conducted by Equifax , one of the country's three
credit bureaus. Last year, Wachovia trained more than 10,000 lower-income
families and individuals through its financial literacy program.
Highlights of Wachovia's support for homeownership in 2004 include:
- Helping an average of 475 lower-income families buy a home each week. Online banking and brokerage
products and services also are available through Wachovia. WASHINGTON, The Center for Responsible Lending
joined today with 15 other groups in filing a brief supporting New York
Attorney General Eliot Spitzer's efforts to enforce discrimination laws
against national banks.
The numbers that concern Spitzer are disclosed annually by the banks under
the federal Home Mortgage Disclosure Act, which this year for the first time
required banks to tell how many high-priced loans they made last year.

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The event,
presented by the Homeownership Counseling Association of Delaware Valley, will
include workshops that focus on credit scoring and homebuyer education.com.

Center for Responsible Lending Says Federal Banking Regulator Should let Eliot Spitzer Enforce Anti-Discrimination Laws

Some banks contend a state official like Spitzer doesn't have the
authority to enforce state discrimination laws against them.

About the Center for Responsible Lending
The Center for Responsible Lending is a nonprofit, nonpartisan research
and policy organization dedicated to protecting homeownership and family
wealth by working to eliminate abusive financial practices.

qualifies hadd

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Wachovia had assets of $506. These
loans are defined as carrying interest rates and fees three or more percentage
points above comparable Treasury securities (or five or more percentage points
for junior liens like second mortgages).

qualifies misrepresentation

"If national banks are not
discriminating, they should have no problem providing information to the
attorney general.

predatory frauds

These special events are in addition to the company's ongoing consumer
education efforts."
Said John Taylor, president and CEO of the National Community Reinvestment
Coalition: "Whenever a systematic disparity in mortgage lending occurs, it's a
civil rights issue, plain and simple.
To read the brief, go to the center's website at
http://www.

frauds houseing

"Homeownership: Rising to the Challenge" will take place June 11 at the
Philadelphia Convention Center as part of Housing Expo 2005. We stand hand in hand with Eliot Spitzer to ensure equal access to
credit.

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Wachovia Renews Commitment to Homeownership With Free Seminars

- Providing $1.
African-Americans are three times more likely to get these higher-cost
loans, according to an analysis by the National Community Reinvestment
Coalition, which represents hundreds of community groups.
"There is no reason why banks should have an exemption from state
enforcement of civil rights laws," said Eric Halperin, senior policy counsel
at the Center for Responsible Lending.responsiblelending.