Annual Percentage Rate
(APR) for purchases

Standard APR: Classic: 12.99% to 16.99% variable^a, Classic with Rewards: 14.99% to 16.99% variable; Platinum: 7.99% to 12.99% variable; Platinum with Rewards: 9.99% to 14.99% variable; Signature: 6.99% to 12.99% variable. For Wachovia employees, the Standard APR will be reduced by 1% for the duration of Wachovia employment or retirement.

Other APRs

Promotional Balance Transfer APR: A 0% fixed APR for 12 months from the Account Opening Date ("Account Opening") on balance transfers made at Account Opening or transfers made using the Promotional Convenience Checks^b that arrive with your Welcome Kit ("Welcome Kit Checks"); thereafter, your variable Standard Purchase Rate applies to any outstanding balance. Promotional rates end 12 months after Account Opening.  Welcome Kit checks must be used within 90 days of Account Opening to receive the promotional rate.  Welcome Kit Checks used after 90 days of Account Opening or separately ordered Convenience Checks, will post at your Standard Cash Advance APR. The 0% fixed promotional APR applies only to balance transfers and not to card purchases or cash advances. The fixed promotional rate may increase if your account is consistently past due or you make your monthly payments late. See explanation.^c

Standard Cash Advance APR: 19.74% to 21.99%; for Wachovia employees, Standard Cash Advance APR will be reduced by 1% for the duration of Wachovia employment or retirement.

Default/Penalty APR: 24.24% for all balances if your account is consistently past due or you make your monthly payments late. See explanation below.^c

Variable rate information

Your APRs may vary and are calculated as follows:

Standard Purchase APR: Classic: Prime + 7.99% to 11.99%; Classic with Rewards: Prime + 9.99% to 11.99%; Platinum: Prime + 2.99% to 7.99%; Platinum with Rewards: Prime + 4.99% to 9.99%; Signature: Prime + 1.99% to 7.99%.

Standard Cash Advance APR (including Promotional Convenience Checks used later than 90 days after account opening): Prime + 12.49% to 15.99%; but not less than 19.74%, regardless of changes to the Prime Rate.  For Wachovia employees, Prime + 11.49% for the duration of Wachovia employment or retirement; but not less than 18.74% regardless of changes to the Prime Rate.

Default/Penalty APR: Prime + 16.99%; but not less than 24.24%, regardless of changes to the Prime Rate.

Grace period for repayment
of purchase balances

At least 25 days from the statement Closing Date on new purchases (provided you have paid your previous Balance in full by the Payment Due Date). See explanation below.^d

Method of computing the
balance for purchases

Average Daily Balance

Annual Fee

$0, for most cards, otherwise $29

Minimum finance charge

$0.50

Transaction Fees

Balance Transfer fee: 3% of the amount of each Balance Transfer or Promotional Convenience Check transfer transaction ($10 minimum, $75 maximum).

Cash Advance fee: Classic, Platinum and Signature: 3% of the amount of the transaction ($5 minimum), including Welcome Kit checks used after 90 days of Account Opening or separately ordered checks, except no fee for Signature cash advances made at a Wachovia ATM.

Overlimit fee: The first instance in every rolling consecutive twelve month period will be charged and subsequently waived; thereafter (i.e., after the first instance), $20 each time the outstanding balance exceeds the Credit Limit during a billing cycle. See Cardmember Agreement and Disclosure Statement ("Cardmember Agreement") for further details. Signature: none.

Late Payment fee: The first instance in every rolling, consecutive twelve-month period will be charged and subsequently waived, then $15 for late payment on balances up to $99.99; $29 for late payment on balances from $100 to $999.99; $39 for late payment on balances of $1000 or more.

Returned Payment fee: $20 for each returned check or rejected draft.

Currency Exchange fee: 1% of the U.S. dollar amount of the transaction whether or not a foreign currency is converted.

Quasi-Cash fee (purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips): 3% of the transaction amount ($5 minimum).

Wire transfer fee: 3% of the transaction amount ($5 minimum).

Rates, fees, and terms may change: We may change the account terms, including the APRs or fees, at any time for any reason. If we change the terms of your account, you will receive advance notice and have a right to opt out in accordance with applicable law.

^a Variable rates are based on the Prime Rate. The Prime Rate ("Prime") is the highest prime rate published in the "Money Rates" section of the Eastern edition of The Wall Street Journal as of the 25th date of the previous month ("Index Date"). In the event that a rate is not published on the 25th of the month, the rate published most recently prior to that date will be the effective rate. Prime Rate changes will take effect on the first day of the billing cycle that begins on or after the first day of the month following the Index Date. Disclosed variable rates and fees were accurate and based on the Prime Rate of 5.00% in effect as of May 23, 2008 and may have changed. To receive the most recent information, contact a Wachovia Credit Card Specialist at the toll free number: (866) 201-5702.

^b Wachovia Wealth Management clients and Wachovia Securities clients will receive five (5) Promotional Convenience Checks with their Welcome Kits. All others will receive three (3) Promotional Convenience Checks with their Welcome Kit within two weeks of receiving their cards. Promotional Convenience Checks must be used within 90 days of Account Opening to receive promotional rates.

^c If you fail to make the Minimum Payment Due, by the Due Date shown on your monthly statement, for two (2) consecutive billing cycles, or if you fail to make the Minimum Payment, by the Payment Due Date, three (3) times during a rolling consecutive twelve (12) months, we may increase any and all of your APRs (including any introductory or promotional APR) to the Default APR. The Default APR will not decrease below 24.24%, regardless of the changes to Prime Rate. The Default Rate will remain in effect until six (6) consecutive on-time Total Minimum Payments are received, after which time the APRs will revert to your account's Standard APR for Purchases and Cash Advances (non-promotional APRs). See Cardmember Agreement and Disclosure Statement ("Cardmember Agreement") for further details.

^d The number of days between your statement Closing Date and your Payment Due Date (the grace period) may vary from one billing cycle to another. There is no Finance Charge on new purchases made in a billing period if: 1) you pay the total previous Balance (as shown on the monthly statement) in full by the Payment Due Date; or 2) the previous Balance was zero or a credit balance. There is no period within which you can avoid periodic Finance Charges on Cash Advances or Transaction Fees.

By applying for this credit card with Wachovia Card Services, N.A. ("We," "Us," "Our"), you agree to the following:

1. You authorize us to obtain credit reports in connection with your request for an account. If an account is opened, we may obtain credit reports in connection with additional extensions of credit, upgrade of the product or change in terms, the renewal, review or collection of your account, or in connection with another legitimate purpose.

2. If an account is opened, you will receive a Cardmember Agreement with your card(s). All terms and conditions of your account are contained in your Cardmember Agreement and Disclosure Statement and the Cardmember Agreements and Disclosure Statement Supplement. You agree to these terms by using your account or by not closing the account within three (3) days of receiving the Cardmember Agreement.

3. You authorize us to apply your payments and credits to balances with lower APRs (such as purchases) before balances with higher APRs (such as cash advances).

4. You certify that you are the person to whom this offer was addressed, that you are of age to legally contract, and that you have read and reviewed all terms, conditions and disclosures provided. You certify that the information you provide in connection with obtaining this credit card is complete and accurate. You understand that omission of information requested may be reason for denial.

5. Our agreement with you will be governed by Georgia and applicable Federal laws. Claims and disputes will be subject to arbitration.

6. To take advantage of this offer you must meet our credit qualification criteria. Your initial credit limit will be determined by a review of your application, your credit history, and your ability to repay. If you are approved, your credit limit will be at least $500.

7. Your account will not be used for business purposes.

Total transfer requests cannot exceed the available credit limit. Wachovia will process your Balance Transfer requests in the order you specify. It can take approximately four (4) weeks to process your request. You should continue to make payment to each creditor until the transfer appears on your statement. Finance Charges will begin on the date the balance transfer posts to your Wachovia account. If you have a dispute with a creditor and pay that disputed balance with a transfer from your new Wachovia Credit Card, you may lose certain dispute rights.

No pre-set spending limit does not mean unlimited spending is allowed. Each charge that causes your balance to exceed your Credit Limit (or "Revolve Limit") will be evaluated based on card usage and performance, other account relationships with us, if applicable, and your experience with other creditors. Your Total Minimum Payment each month will include the amount by which your balance exceeds your Revolve Limit. We reserve the right to decline an authorization request for any transaction at any time for any reason. We also may request additional information from you at any time to evaluate a transaction request or your use of the account generally.

This is an abbreviated summary. If you are approved and accept a Classic with Rewards, Platinum with Rewards or Signature Credit Card account, you will be automatically enrolled in the Wachovia Possibilities Rewards Program ("Program"). All cards issued in association with this Credit Card account will earn points towards the same Program Rewards Account. Points will be earned based on net dollars of purchases at rate of: two (2) points per dollar for Classic with Rewards, four (4) points per dollar for Platinum with Rewards, and six (6) points per dollar for Signature. Please allow up to eight (8) weeks for points for transactions outside the U.S. or through non-electronic means to appear in your Rewards Account. Balance transfers, cash advances, purchases of money orders or other cash equivalents, use of Convenience Checks and fees or finance charges do not earn points. The total number of purchase points that may be earned on your Credit Card is 1 million per year, based on your account anniversary date. Points expire after five (5) years. Points may be redeemed for cash back, free travel or merchandise certificates and gift cards which may be redeemed with participating merchants. For complete details on the Program, refer to the Program Terms and Conditions available when you log in with your Wachovia Credit Card account number at www.wachoviapossibilities.com.