Pedro E. Bernal

PEDRO E. BERNAL is a Vice President and Apparel Analyst with Wachovia
Securities, Inc. Previously, he was an Associate Analyst with
Interstate/Johnson Lane. He has also held various management positions
with Wachovia Bank of North Carolina as a Personal Banker and Credit
Analyst. A member of the AIMR, Mr. Bernal holds a Bachelor’s degree in
Business Administration ‘ Finance from the University of North Carolina,
Chapel Hill. Married and a new father, he includes spending time with
his family and friends and finding bargains among his personal