Command Asset Program

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©2007 Wachovia Securities,LLC 86527 544998 Rev 10 (25/pkg) 06/06 Command Asset Program 1207-73035 Clear Choices. Countless Benefits. New Growth Opportunities.

They 9re All Within Reach. You 9ve searched high and low. And with Wachovia Securities, your Financial Advisor and our Command Asset Program, you 9ve found it: a powerful relationship tool to connect your entire financial world.

Bringing It Full Circle The beauty of the Command Asset Program is its simplicity. This single relationship links investing and banking activity * for maximum convenience and flexibility. Consider it a full circle of opportunity with premium benefits and exceptional services at every turn.

1 Visa Platinum Credit Card with Rewards 2 Expense Coding Annual Summary and Tax Package Investment Advice Command Asset Program Retirement Planning Margin Loans Gain/Loss Reporting 3 Check Card Unlimited Check Writing and Free Checks 1 Online Banking and BillPay I n v e s t i n g B a n k i n g Access Online *Banking services are offered through Wachovia Bank,National Associationand Wachovia Bank of Delaware,National Association, separate affiliates of Wachovia Securities and subsidiaries of Wachovia Corporation. Wachovia Securities is the trade name used by two separate,registered broker-dealers and nonbank affiliates of Wachovia Corporation providing certain retail securities ... more. less.

brokerage services: Wachovia Securities,LLC,Member NYSE/SIPC,and Wachovia Securities Financial Network,LLC,Member FINRA/SIPC. 1/08 The Wisdom of Improved Organization One Comprehensive Statement Our comprehensive monthly statement is one of the program 9s most innovative features. It 9s all there in black and white: account earnings,portfolio holdings,ATM transactions 4 the full range of your investing and banking activity,categorized and organized each month. With the Command Asset Program,you and your Financial Advisor can easily identify potential financial opportunities throughout the year. Statement highlights include: 3 2 " Portfolio Asset Allocation 4 A pie chart gives a clear illustration of your asset allocation by investment type. " Total Value Comparison 4 A 12-month bar graph convenientlyallows you to compare the total value of your account assets andtrack your financial progress. " Expense Tracking Summary 4 Details the amount of money spent in a range of categories,from mortgage payments to medical expenses to charitable contributions. In addition to 22 pre-set expense codes,you may create up to nine codes that you can use whenever you write a check. " Gain/Loss Summary 3 4 Shows year-to-date realized and unrealizedgains or losses on securities in your investment account. WACHOVIA SECURITIES JOHN SMITH Page 1 of A C C O U N T S T A T E M E N T January 1 - January 31, 200 6 : l o n a p s E n E : s e i r i u q n I g n i k n a B r o F : r o s i v d A l a i c n a n i F r u o Y 9 9 9 9 - 9 9 9 ) 9 9 9 ( 9 9 9 9 - 9 9 9 ) 9 9 9 ( E O D N H O J 9 9 9 9 - 9 9 9 ) 9 9 9 ( T E E R T S N I A M T S E W 3 2 1 ANYWHERE, VA 12345 (123) 456-7890 Your Managed Program: Managed Program Line Y our Manager: Name Line Copies of this statement have been sent to an interested party. Y our Style: Style Line Portfolio Summar y Portfolio Assets Value on Dec 31Value on Jan 31 Cash and Money Market Funds9,999,999,999.999,999,999,999.99999.9999.99 Bank Deposit Sweep Option*9,999,999,999.999,999,999,999.99999.9999.99 Stocks and Options9,999,999,999.999,999,999,999.99999.9999.99 Preferreds/Fixed Rate Cap Secs9,999,999,999.999,999,999,999.99999.9999.99 Fixed Income Securities9,999,999,999.999,999,999,999.99999.9999.99 Open End Mutual Funds9,999,999,999.999,999,999,999.99*** 999.9999.99 Closed End Mutual Funds9,999,999,999.999,999,999,999.99999.9999.99 Unit Investment Trusts9,999,999,999.999,999,999,999.99999.9999.99 Managed Futures/Hedge Funds 9,999,999,999.999,999,999,999.99999.9999.99 Annuities/Insurance **9,999,999,999.999,999,999,999.99999.9999.99 % 0 0 1 9 9 . 9 9 9 9 9 . 9 9 9 , 9 9 9 , 9 9 9 , 9 $ 9 9 . 9 9 9 , 9 9 9 , 9 9 9 , 9 $ s t e s s A l a t o T 9 9 . 9 9 9 , 9 9 9 , 9 9 9 , 9 9 9 . 9 9 9 , 9 9 9 , 9 9 9 , 9 e c n a l a B n i g r a M Net Portfolio Value$9,999,999,999.99$9,999,999,999.99 *** Your portfolio includes unpriced securities not reflected in Portfolio Value. Asset Allocation (Portfolio Assets) Negative values are not included in "% total assets." Other Assets/Liabilities 9 9 . 9 9 9 , 9 9 9 , 9 s t n e m t s e v n I t c e r i D 9 9 . 9 9 9 , 9 9 9 , 9 s l a t e M s u o i c e r P 9,999,999.99 9 9 . 9 9 9 , 9 9 9 , 9 s t e s s A a i v o h c a W r e h t O 9 9 . 9 9 9 , 9 9 9 , 9 s e i t i l i b a i L a i v o h c a W r e h t O 9 9 . 9 9 9 , 9 9 9 , 9 $ 9 9 . 9 9 9 , 9 9 9 , 9 $ s e i t i l i b a i L / s t e s s A r e h t O l a t o T 9,999,999.99 9,999,999.99 ** Annuities are held directly by the issuing insurance company, not in the brokerage account. Annuities are not covered by SI PC. These positions reflect purchases made through us or information supplied to us; they are displayed for informational purposes only. If you no longer own any of these investments, please tell us so we can update this section. These assets are not included in the net portfolio value, and are not protected by SIPC. Value/Cost on Jan 31 Other Off Premise Assets 9,999,999.99 9,999,999.99 Please contact your Financial Advisor for details. Sub / Branch / Rep / Account No. / CAP Account No. 999 / 9999 / 9999 / 99999999 / 9999999999 Command Asset Program 9,999,999.99 Est. Ann. Income % Total Assets Value/Cost on Dec 31 * The Bank Deposit Sweep Option consists of monies held in an interest-bearing deposit account. These assets are not held in your securities brokerage account and therefore not covered by SIPC. Such monies are eligible for FDIC insurance, up to $100,000 pe r di Cash and Money Market Funds Bank Deposit Sweep Option Closed End Mutual Funds 02/05 03/05 04/05 05/05 06/05 07/05 08/05 09/05 10/05 11/05 12/05 01/06 account. Our comprehensive monthly statement is one of the most innovative features of the Command Asset Program. Wachovia Securities does not provide tax or legal advice. Command Asset Program Statement Link Service By linking statements from other Wachovia Securities accounts in your household to your Command Asset Program,your statements arrive each month in one envelope with a cover page summary. It 9s clean,easy and makes tracking all your accounts simple. You 9ll get a comprehensive overview of your household 9s financeswith trust accounts,IRAs and other investment accounts organized and summarized in the same document. This allows you to quicklycompare the total value of multiple accounts over time. By gaining a clearer understanding of your entire financial situation each month,you and your FinancialAdvisor can determine the appropriate allocation strategies for your future. The Annual Summary and Tax Package 4 As tax season approaches,Command Asset Program clients arearmed with an indispensable financial management tool: our Annual Summary and Tax Package. This package provides an enhanced tax statement and an annual summary in one concise document. Above all,it saves time and money as you compile yourend-of-year tax information and plan new investment strategies for the coming year. The Annual Summary and Tax Package includes: " Table of Contents 4 Quickly locate the information you need. " Summary of Reportable Tax information. 5 4 " Consolidated Forms 1099. " Asset Earnings Summary 4 Breaks your portfolio earnings into taxable and tax-exempt categories. 5 " Gain/Loss Summary 3 4 Compiles the last year 9s realized and unrealized gains and losses. " Portfolio Assets Report 4 Provides both a summary and detailed descriptions of a year 9s worth of investments. " Expense Tracking Summary 4 Shows the amount of money spent in a range of categories,from mortgage payments to medical expenses to charitable contributions,for the entire year. "Account Activity Recap 4 Includes a summary of all checks and Check Card transactions made in the last year. " A Report of Other Assets and Liabilities 4 May include IRAs,credit cards and loans. Choosing Wisely: Unlimited Investing Opportunities Personal Investment Advice Your Command Asset Program gives you unlimited access to professional investment advice and research. Your Financial Advisor is available to help you make sound investment decisions to help you reach your short- and long-term goals. From stocks,bonds,mutual funds and other securities,your Financial Advisor will help you construct a strategy that's appropriate for you. Account Protection Your cash and securities are protected through the Securities Investor Protection Corporation (SIPC) and the Client Asset Protection Company (CAPCO). The Securities Investor Protection Corporation (SIPC) protects clients of its members up to $500,000 (including $100,000 for claims for cash),and Wachovia Securities has arranged for additional commercial coverage of the remaining net equity balance,if any,in your accounts at no charge. The commercial insurer for this coverage is Customer Asset Protection Company (CAPCO). Wachovia Securities and 13 other securities firms formed CAPCO in 2003. Neither insures the quality of investments or protects against losses from fluctuating market value. For more information on SIPC coverage,please see the explanatory brochure available at www.sipc.org. Cash Sweep You can help ensure your money is always working for you with an automatic sweep of available cash balances into the cash sweep option. This may include employer, social security,and other direct deposits as well as dividends, interest and trade settlements. Command Credit Line 6 and Overdraft Protection You can automatically access this credit line against the value of your marginable securities by simply writing a check or using your Check Card. Loan interest is minimized as deposits credited to your account automatically pay down the credit line. This feature also provides overdraft protection for your Command Asset Program. 7 6 9 Online Services Access Online 9 Log on any time for instant access to your Wachovia Securities account at wachoviasec.com and view the latest news and researchreports. This comprehensive interactive site includes: " Real-time quotes and account information. " Detailed position information across 19 categories. " Electronic confirms with up to 400 days of history. " Market,Execution and Portfolio Alerts. " Portfolio Tracker 4 Provides access to streaming quotes, breaking news,charts and market indices on your desktop even after you log out. " Access to OneStop,our account aggregation service. Free Online Banking with BillPay and Mobile Banking 10 Wachovia 9s Online Banking with BillPay is offered at no charge toCommand Asset Program clients. You can view up-to-date accountinformation,check balances,transfer funds and view images of posted checks anytime,anywhere you have Internet access 4 24 hours a day. Paying monthly bills is easy with Online BillPay. Schedule almostany payment to individuals and companies,from one-time bills to repeating payments like your mortgage. In addition,you can easily download account information to Quicken ® or Microsoft ® Money. Convenient management of your finances is just a few keystrokes away. Online Check Imaging You can view images of cancelled checks easily and conveniently online. 8 Choosing Wisely: Valuable Banking Features With Wachovia Securities and the Command Asset Program, you also have access to premium banking choices,including: Unlimited Free Checking 1 with Expense Tracking You 9re entitled to unlimited check writing privileges,and there 9s never a monthly service fee. In addition,Command Asset Program clients receive free standard checks. 1 Use expense tracking codes on your checks to categorize expenditures. Visa ® Check Card Use your Check Card wherever Visa cards are accepted, pay no monthly service fee and access your funds at more than 500,000 ATMs worldwide. Each transaction is deducted from your account daily and is recorded on your monthly statement. If you use another bank 9s ATM,we 9ll refundup to five service fees each month. 7 Earn Wachovia Possibilities Rewards SM points every time you sign for qualifying purchases. 8 To receive this benefit, you must enroll your Check Card in the Wachovia Possibilitiesprogram at www.wachoviapossibilities.com or by calling 888-440-7000. Wachovia Securities Credit Card 2 with Wachovia Possibilities Rewards SM This exclusive no-annual-fee card is the perfect complement to your Wachovia Securities relationship. You 9ll earn points with every qualifying purchase 8 or transaction you make with the card. When you enroll a Wachovia Securities Check Card,you can combine points earned on your Credit Card and Check Card and redeem them for travel, merchandise,gift cards and more. 11 10 The Wisdom of a New Business Partnership: Command Asset Program for Business Today 9s business environment is more complicated than ever. So it makes sense to simplify your company 9s finances with the Command Asset Program for Business. This integrated investing and banking relationship offers many of the same programs and services as the Command Asset Program but is tailored to the unique demands of a growing business. Your Wachovia Securities Financial Advisor will assist you and your business every step of the way with unlimited investment advice and recommendations of special features available toCommand for Business clients,including: " Visa Business Credit Card 2 4 Enjoy a low percentage rate and no annual fee. Subject to credit approval (fee may apply for rewards program). " Consolidated Monthly Statement 4 Conveniently tracks all company investing and banking activity. " Sweep Feature on Cash 4 Enhances the earning potential of your business. " Command Credit Line 6 4 Borrow against the value of the marginable securities held in your account. " Range of Investment Choices 4 Both short- and long- term,with tax-advantaged opportunities. 12 The Wisdom in Planning for your Future: Command Asset Program IRA When you retire,you may live longer and have a more active retirement than was enjoyed by previous generations. At the same time,the old ways of financing a comfortable retirement 4 company pension plans and Social Security 4 are providing less than ever before. This means you 9ll have to make extra efforts to help your retirement savings last. A Command Asset Program IRA can help to get you there. With the Command Asset Program IRA,you can take advantage of several potential benefits including: " The ability to contribute up to the maximum annual IRA contribution amount per year,of which all,or a portion,may be tax-deductible. 11 " A consolidated statement containing all of your IRA investments in one easy-to-read document. " The flexibility to change investments as your needs change or the market shifts. " Check writing privileges if age 59 1/2 or older. 12 With all of these benefits,you 9ll also find that your Command Asset Program IRA can provide tax-advantaged earnings with a broad range of investment choices. 13 1 Check writing and check order fees apply to Command Asset Program for Business. For Command Asset Program IRA,must be over 59 1 / 2 to receive checks. 2 Subject to credit approval. Credit Cards issued by Wachovia Bank,N.A. an Equal Credit Opportunity Lender. A Business Visa credit card is available for Business Accounts. Contact your Financial Advisor for details. 3 Gain/loss data shown on your account statement is for your information only and is not a substitute for your own records and the year-end form 1099. Cost data and acquisition dates provided by you are not verified by Wachovia Securities. Please consult with your tax advisor to determine the tax consequences of your securities transactions. 4 Available for certain personal and business accounts. Contact your Financial Advisor for details. 5 Consult with your tax advisor for specific guidance. 6 Margin borrowing may not be suitable for all investors. When you use margin,you are subject to a high degree of risk. Market conditions can magnify any potential for loss. The value of the securities you hold in your account,which will fluctuate,must be maintained above a minimum value in order for the loan to remain in good standing. If it is not,you will be required to deposit additional securities and/or cash in the accountor securities in the account may be sold. Please carefully review the margin agreement which explains the terms and conditions of the margin account,including how the interest on the loan is calculated. 7 Up to five non-Wachovia ATM uses per month refunded up to $2.00 per use. Subject to change. 8 A cQualifying Purchase d is any signature-based purchase,Internet purchase,phone or mail-order purchase,or bill payment made using an enrolled Wachovia Check Card and/or an activated Credit Card. A cQualifying Purchase d does not include a purchase made using a Personal Identification Number. Additional restrictions apply. 9 Access to the Service may be limited,delayed or unavailable during periods of peak demand,market volatility,system upgrades or maintenance,or electronic,communication or system problems; or for other reasons. 10 Account-related fees apply. Customer must have Internet access. Transfer of funds between accounts is available to checking,savings,money market, Command Asset Program and Prime Equity Line ® of Credit accounts. A Web browser utilizing 128-bit encryption is required for Online BillPay. Certain payments,such as court-directed alimony,tax or government payments,fines or penalties,cannot be made using Online BillPay. Mobile Service provider data transport charges apply. 11 Be sure to discuss the potential tax consequences of an IRA contribution with your tax advisor. 12 Withdrawals of earnings are subject to ordinary income tax. Withdrawals of earnings prior to 591/2 may be subject to a 10 percent federal tax penalty. 13 Please consult with your Financial Advisor to discuss what investment choices might be appropriate for you.

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