Privacy Statement

Privacy At A Glance

Tattersall Advisory Group, INC (“TAG”), a wholly owned subsidiary of Wachovia (1), is dedicated to protecting your privacy and providing you with the highest level of service. As technology continues to transform the way information is collected and distributed, we want you to know that we have implemented important procedures and practices designed to safeguard the privacy and security of financial information about you.

• We employ safeguards to protect customer information and to prevent fraud.
• We carefully manage information about you among the companies that make up Wachovia. By understanding your complete relationship with us, we can provide you with more personalized and efficient service.
• We do not provide customer information to other companies for their own marketing purposes. However, we have agreements with a limited number of companies to jointly offer financial products and services to you.

How You Can Help Protect Your Privacy

• Do not share your account information, passwords, user ID’s, PINs, code words or other confidential information with others.
• Do not provide confidential information by telephone to unknown callers.
• Do not provide confidential information online unless you initiated the contact, know the party with whom you are dealing, and provide the information through a secure channel.
• When conducting business over the Internet, always use a secure browser and exit online applications as soon as you finish using them, and make sure you have virus protection and a firewall and update them regularly.
• Protect and properly dispose of your account records.
• If you believe you are a victim of fraud or identity theft, please contact us at 888-647-3648 for assistance, which may include placing holds on your accounts. Also, see the “Identity Theft Assistance” section of our Privacy Statement for additional information.

How Protect Information About You

• We train our employees to protect information about our customers.
• We continually enhance our security tools and processes.
• We protect customer data and accounts by asking you for information that only you should know when you contact us. We follow these and other procedures in our financial centers, on the phone and via the Internet.

How We Protect Your Privacy Online

Protecting information about our customers online is an essential part of our service to you.

• Our systems use technologies such as firewalls (which are designed to protect systems from intrusion) and encryption (scrambling of information).
• We validate your identity through confidential access codes before we allow online access to your accounts.

For more information on our Internet Security and Privacy policies, please visit www.wachovia.com/privacy.

How We Gather Information to Understand Your Financial Needs

The information we gather about you helps us to better understand your financial needs and to provide more personalized, efficient service to you.

The information we gather comes from a variety of sources, including:

• Information you provide to us (such as information on applications about assets and income).
• Information related to your transactions with Wachovia (such as account balance and payment history).
• Information we obtain from others at your request (such as information about assets held at another institution for inclusion in a financial plan).

We carefully manage all the information gathered about you as described in the following section.

How We Manage Information to Serve Your Needs

Other than limited exceptions like those below, we do not provide information about our customers to companies outside of Wachovia Corporation. You do not need to request this confidentiality; it is our standard practice.

In order to serve your needs, we may provide all of the information we gather to:

• Service providers that perform business operations for us (such as tax preparation).
• Others only as permitted or required by law (such as to protect against fraud or in response to a subpoena).

We select very carefully the companies that provide services on our behalf, or offer you financial products and services. Also, we only provide them with information that we believe is necessary to fulfill their responsibilities or to provide a financial service to you. These companies are prevented by legal agreement from using this information for their own purposes or selling this information to others.

*Other Applicable Laws

The practices described above are in accordance with federal law. You may have other protections under applicable state laws, such as Vermont and California. To the extent these state laws apply, we will comply with them when we share information about you. For example, Vermont law places additional limits on sharing information about Vermont residents. As long as they remain residents of Vermont, we will not share information we collect about Vermont residents to companies outside of Wachovia, except:

• To companies that perform marketing or other services on our behalf;
• Contact information (like name and address), and transaction information (such as your payment history) to other financial institutions with which we have joint marketing agreements;
• With the authorization or consent of the Vermont resident; or
• As permitted or required by law.

We also will not share credit information about Vermont residents received from others within Wachovia except with the authorization or consent of the Vermont resident.

Please note that we are committed to providing you with superior service. Occasionally, we may need to contact you to resolve a problem or to service your accounts.

Identity Theft Assistance

Monitoring your credit for accuracy is an important step to take in protecting yourself from fraud and identity theft. By law, you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies. To learn more or request a copy of your credit report, visit www.annualcreditreport.com or call 877-322-8228.

If you believe you may be a victim of identity theft:

1. Contact Wachovia at 888-647-3648 to place holds on your accounts, obtain a free copy of Wachovia’s Customer Fraud Assistance Package or for other assistance. The materials in the Customer Fraud Assistance Package are also available at www.wachovia.com/privacy.
2. Contact the Social Security Administration’s Fraud Hotline at 800-269-0271 to report fraudulent use of your identification information.
3. Report the incident as quickly as possible to any one of the credit reporting agencies:
   Experian 888-397-3742
   Equifax 800-525-6285
   Trans Union 800-680-7289
4. You should review a current credit bureau report to identify any unauthorized accounts or inquiries and ask the credit reporting agency about placing a Victim Alert Flag on your files.
5. File a police report in your local jurisdiction and retain the report number and the name of the officer who took the report.
6. File a complaint with the Federal Trade Commission (FTC) by contacting the FTC’s Identity Theft Hotline: 877-IDTHEFT.

How to Limit Direct Marketing from Other Companies

To limit the instances in which credit reporting agencies share your information with companies wishing to offer you pre-approved credit solicitations, you can call 888-567-8688 (the Credit Reporting Industry Pre-screening Opt Out Number) or visit www.optoutprescreen.com.

To limit the marketing you receive by mail and by e-mail from companies outside of Wachovia, you may contact the Direct Marketing Association (DMA) at the addresses below and request that your information be placed on its do not contact lists. You must include your name, address, telephone number and signature with your request.

Mail Preference Service
Direct Marketing Association
P.O. Box 643
Carmel, NY 10512

DMA Email Preference Service: dmaconsumers.org/optoutform_emps.shtml

To limit telemarketing calls from companies outside of Wachovia, you may add your telephone number to the National Do Not Call list through the following Web site:

www.donotcall.gov

Registration with the National Do Not Call list will not affect the preference you may have provided to Wachovia regarding being contacted by telephone about Wachovia products and services. To direct Wachovia not to contact you by telephone to offer its products or services, please see the section titled “Your Choices as a Customer”.

We Strive to Maintain Accurate Information

We strive to maintain complete and accurate information about you and your accounts. If you ever believe that our records contain inaccurate or incomplete information about you, please let us know immediately. We are committed to resolving any inaccuracies as quickly as possible.

Credit Reporting Agencies

If you believe we have reported inaccurate information about your account to any credit reporting agency, please let us know in writing. Be sure to include your complete name, current address, Social Security Number, telephone number, account number, type of account, specific item of dispute and the reason you believe the information is wrong. Send your notice to: Wachovia Bank, N.A., P.O. Box 3117, Winston-Salem, NC 27102. We will investigate your concern and correct any inaccuracies we find. We will inform you of any actions we take.

If You Have Questions, Contact Us

We welcome the opportunity to answer any questions you may have about this statement or the safeguarding and confidentiality of customer information. Please visit our Web site at www.wachovia.com/privacy, visit a Wachovia financial center, or call us at (804) 289-2663.