a compelling combination cautionary statement this presentation contains forward looking statements within the meaning of private securities litigation reform act 199 5 including without limitation i about benefits merger between first union corporation and wachoviacorporation future financial operating results cost savings enhanced revenues accretion to reported earni ngs that may be realized from ii with respect s wachovia plans objectives expectati ons intentions other are not historical facts iii identified by words such as beli eves expects anticipates estimates intends targets projects similar expressions these based upon current beliefs expectations management subject significant risks uncertainties actual differ those set forth in following factors among others could cause materially anticipated or otherexpectations expressed 1 risk businesses will integrated successfully integration more difficult time consuming costly than