`Wachovia Auto Owner Trust
Series 2004-A
2004 Annual Statement to Securityholders
Distribution Summary



                                                  Original         Beginning                                                   Current                         Ending
                                   Certificate  Certificate        Certificate                                                 Realized       Total            Certificate
         Class             Cusip      Rate        Balance           Balance                Interest         Principal           Loss      Distribution         Balance
           A-1           92975UAA9 1.569000%      450,000,000.00   450,000,000.00           1,931,705.43    424,814,362.44           0.00  426,746,067.87      25,185,637.56
    Factors per Thousand                                            1000.00000000            4.29267873       944.03191653                   948.32459527         55.96808347

           A-2           92975UAB7 2.490000%      598,000,000.00   598,000,000.00           7,072,845.00                0.00         0.00    7,072,845.00     598,000,000.00
    Factors per Thousand                                            1000.00000000           11.82750000         0.00000000                    11.82750000       1000.00000000

           A-3           92975UAC5 3.190000%      544,000,000.00   544,000,000.00           8,242,959.98                0.00         0.00    8,242,959.98     544,000,000.00
    Factors per Thousand                                            1000.00000000           15.15249996         0.00000000                    15.15249996       1000.00000000

           A-4           92975UAD3 3.660000%      278,000,000.00   278,000,000.00           4,833,030.00                0.00         0.00    4,833,030.00     278,000,000.00
    Factors per Thousand                                            1000.00000000           17.38500000         0.00000000                    17.38500000       1000.00000000

             B           92975UAE1 3.030000%       80,000,000.00    80,000,000.00           1,151,400.00                0.00         0.00    1,151,400.00      80,000,000.00
    Factors per Thousand                                            1000.00000000           14.39250000         0.00000000                    14.39250000       1000.00000000

             C           92975UAF8 3.340000%       50,000,000.00    50,000,000.00             793,250.02                0.00         0.00      793,250.02      50,000,000.00
    Factors per Thousand                                            1000.00000000           15.86500040         0.00000000                    15.86500040       1000.00000000

    Certificates            n/a    0.000000%                0.00               0.00         5,041,839.62                0.00         0.00    5,041,839.62                  0.00




   Totals                                       2,000,000,000.00 2,000,000,000.00         29,067,030.05     424,814,362.44           0.00  453,881,392.49 1,575,185,637.56


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                   Collateral Information


                           Periodic Information
Beginning Collateral Balance                      2,002,714,605.98
Ending Collateral Balance                         1,580,192,424.07
Beginning Number of Loans                             127,404
Ending Number of Loans                                113,814
Number of Loans Paying Off                            13,590
Cumulative Realized Losses                          1,960,874.43
WAC                                                   5.631%
WAM                                                     43.00




                           Original Information
Collateral Balance                                2,002,714,605.98
Number of Loans                                       127,404




Delinquent:
30 Days                                               6,283,230.97
60 Days                                               1,430,657.43
90 + Days                                               492,167.99
Total                                                 8,206,056.39




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            Additional Account Activity


                      Reserve Account
Beginning Balance                           25,033,932.57
Interest Earnings                              107,543.53
Deposits                                    11,880,146.08
Draw                                                 0.00
To Certificateholders                        1,467,292.64
Ending Balance                              35,554,329.54




                 Yield Maintenance Account
Beginning Balance                            4,564,385.16
Interest Earnings                               14,533.10
Draw                                        (1,030,239.02)
Ending Balance                               3,548,679.24




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