WORLD SAVINGS FAQS

Financial Centers

When will World Savings branches become Wachovia Financial Centers?
How were World Savings customers notified about the merger?
Can customers access or transact on their World Savings accounts at Wachovia Financial Centers?
Can customers use their World Savings ATM/Check Cards at Wachovia’s ATMs?
When will a Wachovia customer be able to transact on their Wachovia account (deposit, withdrawal, loan payment, etc.) at a World Savings branch, and vice versa?

Products and Services

Will World Savings continue to pay competitive interest rates on CDs?
Will ATMs be available at World Savings branches again?
Will World Savings customers continue to receive checking statements with checks (if that’s their preference) and will the statements stay on the current cycle?
Can customers still use World Savings' Online Banking?
Will World Savings customers’ loan numbers change?
Will World Savings customers be able to continue making automated loan payments?
Can World Savings customers continue to send payments to the same address, and can they continue to make payments in World Savings branches?
If World Savings customers have problems with their World Savings loans, what telephone number should they call for assistance?
Can World Savings customers view their World Savings statements through Online Banking?
Can World Savings customers make payments through Online Banking?
Will World Savings continue to offer the same loan products?
What is the status of the Atlas Funds?

Financial Centers

When will World Savings branches become Wachovia Financial Centers?
A detailed conversion plan is being developed and is likely to take effect beginning in the fourth quarter of 2007 for the Western and Central regions. The Eastern region financial centers will begin converting in the first quarter of 2008. Customers will receive advance notice prior to any changes to their accounts or the replacement of signs on World Savings branches.

How were World Savings customers notified about the merger?
News of the merger was announced in May 2006, and copies of that announcement and other press releases are on World Savings' and Wachovia's Web sites. Additional press releases related to the merger will continue to be posted on both companies' Web sites. Customers will be notified by mail well in advance of account changes that may occur during conversion.

Can customers access or transact on their World Savings accounts at Wachovia Financial Centers?
No. World Savings customers will not be able to transact on their accounts at a Wachovia Financial Center until accounts are converted to Wachovia's computer system, beginning in the fourth quarter of 2007. However, ATMs of both banks will be available to customers of both banks beginning October 2, 2006 to make cash withdrawals and obtain balance transactions without paying a surcharge or transaction fee.

Can customers use their World Savings ATM/Check Cards at Wachovia’s ATMs?
Immediately following consummation of the merger, customers of Wachovia and World Savings can withdraw cash and obtain account balances from each company's ATMs without surcharge or transaction fees. World Savings customers living or traveling in states where Wachovia is located will be able to withdraw cash from any of Wachovia's 5,100 ATMs. However, World Savings customers will not be able to make deposits at Wachovia ATMs until World Savings accounts are converted to Wachovia's computer system in the fourth quarter of 2007.

When will a Wachovia customer be able to transact on their Wachovia account (deposit, withdrawal, loan payment, etc.) at a World Savings branch, and vice versa?
Not until World Savings' accounts are converted to Wachovia's computer system.

Products and Services

Will World Savings continue to pay competitive interest rates on CDs?
Because interest rates are determined by market conditions such as the rates offered by other financial institutions, the returns earned on loans and other investments, and the state of the economy in general, we cannot guarantee what interest rates will be paid on CDs in the future.

However, as always, customers can be confident that World Savings is committed to the same strong relationship with customers that it has maintained in the past.

Will ATMs be available at World Savings branches again?
Yes. The plan is to install ATMs at all World Savings branches.

Will World Savings customers continue to receive checking statements with checks (if that’s their preference) and will the statements stay on the current cycle?
There will be no immediate changes to any accounts or products, including checking statements. Any enhancements or changes in the future will be communicated to customers well in advance.

Can customers still use World Savings' Online Banking?
World Savings customers will still be able to use online banking until their accounts have converted over to Wachovia.

Beginning October 15, 2007, customers with checking, savings or Money Market accounts in AZ, CA, CO, IL, KS, NV or TX, or Mortgage/Equity Line of Credit (ELOC) accounts in any state regardless of where it was opened, serviced or maintained, will be prompted to go to Wachovia Online Services when they log in to World Savings Online Banking. At that site, they will be prompted to set up a Wachovia User ID and password. Once the online credentials have been set up, they will be prompted to go to wachovia.com where they will log in for the first time and be able to access their accounts.

Customers with accounts in FL, NJ or NY will continue to use worldsavings.com to access their accounts until online conversion in the 1st quarter of 2008. Additional communications will be distributed in early 2008.

Note: During systems conversion beginning on Wednesday, October 10, 2007 at 10:30pm PT until the morning of Monday, October 15, 2007 at 4am PT, online services at worldsavings.com will be unavailable to customers who have accounts in AZ, CA, CO, IL, KS, NV or TX, or Mortgage/ELOC accounts in any state regardless of where it was opened, serviced or maintained.

Will World Savings customers’ loan numbers change?
There will be no change to customers’ loan numbers at this time. Customers will be advised in writing in advance of changes to their loan numbers.

Will World Savings customers be able to continue making automated loan payments?
Yes. All of the information required to complete loan payments will stay the same.

Can World Savings customers continue to send payments to the same address, and can they continue to make payments in World Savings branches?
Yes. Customers should continue to send their loan payments to the current address on their statement. And, yes, customers can continue to make payments at any World Savings branch.

If World Savings customers have problems with their World Savings loans, what telephone number should they call for assistance?
World Savings customers may call the Loan Service Customer Service toll-free number at (800) 642-0257.

Can World Savings customers view their World Savings statements through Online Banking?
Yes, customers with a checking, savings or Money Market account in AZ, CA, CO, IL, KS, NV or TX or Mortgage/ELOC accounts in any state regardless of where it was opened will be able to view Online Statements for their deposit accounts and mortgages.

For checking, savings and Money Market accounts, 60 days of account activity will be viewable upon conversion to Wachovia. Online statements begin to accumulate as of the date accounts were converted to Wachovia. For mortgages, 60 days of account activity and up to 16 months of statements will be available upon conversion.

Can World Savings customers make payments through Online Banking?
Yes, customers with accounts in AZ, CA, CO, IL, KS, NV or TX will have the choice to enroll in Online BillPay when they set up their online credentials for Wachovia Online Services on or after October 15, 2007.

Online BillPay will also be available to customers who have accounts in FL, NJ and NY when those accounts are converted the 1st quarter of 2008. Additional communications will be distributed in early 2008.

Will World Savings continue to offer the same loan products?
Yes. The same loan products will continue to be offered, and new innovative loan products will be developed in the future.

What is the status of the Atlas Funds?
Most Atlas Funds merged with corresponding Evergreen Funds during May 2007. The exception is the Atlas Strategic Income Fund, which merged with the Oppenheimer Strategic Income Fund. For more information, customers should speak to the Wachovia Securities Financial Advisor in the closest World Savings branch. If that branch does not have a Financial Advisor, here's how you can request assistance:

Regarding all Funds except the Strategic Income Fund, please call Evergreen Investments, 1-800-343-2898
Regarding the Strategic Income Fund, please call OppenheimerFunds, 1-800-225-5677

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