Wachovia Convenient Banking Options

We’ve got ways to help you manage your accounts even if there’s not a Wachovia Financial Center in your area yet. While we continue to add more branches, you can use any of the following:

Wachovia ATMs

No longer just for getting cash. Now you have the ability to make deposits, obtain a printout of your last monthly statement, transfer money between accounts, make payments to a Wachovia loan or credit account, check account balances, and even reorder checks. It’s like having your own private branch.

Wachovia customers can make cash withdrawals or check account balances without paying at Wachovia and SouthTrust ATMs. And as a special welcome to our Texas customers, Wachovia will not charge customers for using other banks’ ATMs and will rebate the other banks’ ATM fees up to $6 per month. This means if you use another bank’s ATM and are charged a fee, we not only don’t charge you a Wachovia fee, but we refund any usage fee (up to $6.00 per month) you incur from the other bank. If you are an existing Wachovia customer in Texas, call 800-WACHOVIA to have the fee waiver added to your existing personal checking account today.

Check Card

Your free Wachovia Visa® Check Card is more convenient than cash or checks and can be used at millions of Visa locations worldwide. Purchase amounts are deducted from your checking account, and all transactions are detailed on your monthly checking account statement with the merchant name, date, and amount.

Online at wachovia.com

Online Banking
With Online Banking, you’re in control of when and where you manage your accounts. Whether it’s at home, the office, or on the road, Online Banking lets you view your account activity, transfer funds between eligible accounts, and check balances, whenever it’s convenient for you.

Online Services for Business
Wachovia also offers secure and convenient online banking options, including free Online BillPay, for business customers. To learn more about Wachovia's Online Services for Business, please visit our demos at wachovia.com/sbonlinedemos.

Online Brokerage
Access your investments. Get real-time quotes. Place orders and confirm trades. Keep track of the market. Research a company—or an entire industry. Online Brokerage lets you do all this and more anytime² from anywhere you have Internet access. It’s the easiest way to stay on top of the market and your investments.

You can enroll any type of Wachovia Securities brokerage account in Online Brokerage, including a Command Asset Program, IRA, or standard brokerage account.

If you don’t have a brokerage account with us, visit the Personal Finance Investing Center to help you select a Wachovia Securities account that’s appropriate for you. View Types of Accounts

If you already have a Wachovia Securities brokerage account, you can enroll it now. Our enrollment is secure, safe, and easy. Enroll an Account Online

Telephone

With Wachovia, you can manage your finances over the telephone - 24 hours a day, 7 days a week. Just call 800-WACHOVIA (800-922-4684) to receive a free financial check-up, open a new account, apply for a loan, discuss your current accounts, or simply manage your finances with the automated service.

Wachovia’s automated telephone service also allows you to quickly and easily manage your accounts for free, including transferring funds, reviewing statement activity, and reordering checks. And of course, if you prefer to discuss your accounts, you can access a representative at any time.

Mail

You can make deposits through regular US Mail or via an Express Mail courier such as UPS, Federal Express, etc. We’ll send you a deposit receipt back in the mail, along with a reusable Bank by Mail wallet and pre-addressed courtesy envelopes to make future deposit mailings even more convenient. Deposits are processed the same day they are received. Cash deposits, however, are not accepted.

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Accounts/cards subject to approval.

1 Market volatility and volume may delay system access and trade execution. System may not be available for certain periods of time.

2 This unrealized gain/loss report represents a portfolio of securities that may include securities owned by you based on our records of transactions, processed through us or supplemental information supplied by you. The securities listed may not represent actual holdings in your account or in accounts with other brokerage firms. Prices are as of the date shown and may not reflect the value at which securities should be sold. The prices indicated are obtained from sources we consider reliable, but are not guaranteed. Please consult your tax advisor with any questions you may have about your personal tax liability. This report does not in any way supersede the proper use of your Wachovia Securities client statements and trade confirmations, which Wachovia Securities considers the only official and accurate records of your account activity.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate

Wachovia Securities is the trade name under which Wachovia Corporation provides brokerage services through two registered broker/dealers, which are non-bank affiliates of Wachovia Corporation: Wachovia Securities, LLC, member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, member NASD/SIPC. (11/04)

Wachovia Securities Statement of Financial Condition.

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CONVENIENT BANKING OPTIONS

Wachovia ATMs

Check Card

Online at wachovia.com

Telephone

Mail