Privacy and Security Practices

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¹ Wachovia Corporation (or Wachovia), includes multiple companies, such as Wachovia Bank, N.A., Wachovia Mortgage, FSB, Wachovia Insurance Services, Inc. and Wachovia Securities, LLC. This Privacy Statement applies to all Wachovia companies unless a Wachovia company provides notice that a separate privacy statement applies to that company. This Privacy Statement describes how we handle and protect information and replaces any Privacy Statements previously provided. The Privacy Statement applies only to consumers who are customers or former customers of Wachovia and have established relationships with Wachovia in the United States. The policies and practices described in this Privacy Statement are subject to change, but we will notify you if there are significant changes. This Privacy Statement is issued as of January 2008.