PERSONAL FINANCE FAQS

By selecting Transfer Funds within Online Banking, you can have individual loan payments deducted from your Wachovia account or your account at another financial institution.  This free service is available 24 hours a day, seven days a week.

Simply log in to Online Banking and select View Statements in the Customer Service box on the right-hand side of the My Accounts page. Select your mortgage loan from the account drop-down list to view the statements for your loan. You can select either the most recent statement or one of your past statements, which you can then print or save for your records.

If you're not yet enrolled in Online Banking, viewing online statements is another excellent reason to sign up. To get started, enroll now .

Yes. Our Automatic Loan Payment service allows you to have your loan payments deducted from your checking or savings account at most financial institutions, with no service fee. You can set up this service through Online Banking once you have enrolled.

Yes. You can wire funds to reduce your principal or payoff your loan. Most banks and financial institutions can assist you with the wire transactions. Wires received by 4:00pm ET (3:00pm CT), will be posted the same day. After 4:00pm ET (3:00pm CT), they will be posted the following business day.

You will need the following information for the wire transaction:

• The American Banking Association (ABA Routing) number is: 053000219
• Your loan number
• The property address
• The borrower's name
• The Beneficiary Number, which is:  11052011 (This number is required to route your wire transaction to the appropriate receiver.)

Address the wired funds to:
World Savings
Attention: Payoff Department
4101 Wiseman Blvd.
San Antonio, TX 78251-1201

Please mail your payment to:

World Savings
PO Box 60505
City of Industry, CA 91716-0505

Please mail all overnight payments to:

World Savings
2525 Corporate Place, Suite 250
Monterey Park, CA 91754

Yes, you may make additional payments one of three ways.

1. You can make a loan payment online and include additional principal with your payment or make a separate principal-only payment. You can have your payments deducted from your Wachovia account or from your account at another financial institution via Online Banking.
   
   
2. If you have set up an Automatic Loan Payment, you can add to the amount regularly deducted from your savings or checking account, via Online Banking. You can also mail or fax a signed, written request to include more principal in each Automatic Loan Payment. Remember to include your loan number in the request.

   Mail to:
   World Savings
   Attention: Cashiering Department
   P.O. Box 659568
   San Antonio, TX 78265-9568

   Fax: (210) 509-1121

3. If you make your payment by check, you may increase the amount you submit with your payment.
   
   Whichever way you choose, your regular payment amount is applied to the full principal and interest of your loan. Any extra you submit is applied to outstanding fees, deferred interest and principal.
   
   Note: Your loan may have a prepayment fee provision that limits how quickly you may pay off your loan during the first three to four years. Please check your original loan documents for any prepayment fee or call Customer Service for assistance at (800) 642-0257, Monday through Friday, 8:00am to 8:00pm, Saturday 8:00am to 5:00pm, CT.

A principal-only payment is a payment that is applied entirely to reduce the principal balance of your loan. The maximum per transaction principal-only payment you may make is $4,999.99. Making a principal-only payment is one of the free services available in Online Banking.  

Note: Your loan may have a prepayment fee provision that limits how quickly you may pay off your loan during the first three to four years. Please check your original loan documents for any prepayment fee or call Customer Service for assistance: (800) 642-0257, Monday through Friday, 8:00 am to 8:00 pm, Saturday 8:00 am to 5:00 pm, CT.

Yes. To do so, please send us:

• A signed, written request.
• A non-refundable $150 processing fee.
• A voided check for the account from which the payments will be deducted. (Please note: Automatic deductions are mandatory on Equity Builder^sm loan programs.

If you have questions about converting to an Equity Builder^SM, please call Customer Service at (800) 642-0257, Monday through Friday, 8:00am to 8:00pm, Saturday 8:00am to 5:00pm, CT.

Mail to:

World Savings
Attention: Loan Modifications
P.O. Box 659558
San Antonio, TX 78265-9558

Your biweekly mortgage payments are automatically deducted from your designated bank account every other Monday.

Below are links to the biweekly payment calendars. The correct calendar for you is the one that follows the sequence of your current biweekly payments.

Click the appropriate link below to view and print your payment calendar.

• 2008 Equity Builder^SM Biweekly Payment Calendar A 
• 2008 Equity Builder^SM Biweekly Payment Calendar B