WACHOVIA VISA^® PLATINUM WITH REWARDS CARD

The no-annual-fee Wachovia Visa® Platinum with Rewards card offers a variety of features designed to meet your individual needs. We have combined personalized service, greater convenience, and all the benefits of your Wachovia relationship into one great credit card.

Special introductory APR-0% fixed APR on balance transfers for six months^1, *
Attractive purchase rates- Ranging from Prime + 2.99% to 13.99%Rate and Fee Information
Rewards Program—Earn and redeem points for great rewards with Wachovia Possibilities Rewards^®
Automatically waived fees-Late fee² and over-limit fee³ each waived once within a rolling consecutive 12-month period
Personal attention-24-hour assistance from a Wachovia Credit Card Specialist
Purchasing power-Worldwide acceptance at more than 24 million locations
Identity protection-0% Liability for any unauthorized purchases on your card made through Visa network
Overdraft protection-No-fee overdraft protection when you link this card to your Wachovia Checking, Savings or other accounts⁴

The Possibilities Are Endless
Register your card in Wachovia Possibilities Rewards, our no-fee awards program. You can link all your eligible Wachovia cards into one rewards account and watch your points add up faster. You can also earn an average of 10 bonus points per $1 when you shop online through the Earn More Mall^SM on wachoviapossiblities.com. Then, redeem points for great rewards like travel, restaurant and retail gift cards, merchandise, and more.
Apply for a Wachovia Visa Card
Visit your nearest Financial Center or call us at (866) 327-6214, 24 hours a day, seven days a week.

* Introductory APRs do not apply to purchases or cash advances. Your rate may increase if your account is consistently past due and we can change the account terms, including fees, at any time for any reason. Payments are applied to low APR balances first.

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¹ 0% fixed APR for six months from the Account Opening Date ("Account Opening") on balance transfer transactions; thereafter your variable Standard Purchase Rate applies to any outstanding balance. Balance Transfer transactions must occur within three months of Account Opening to receive the promotional rate. The 0% fixed promotional APR applies only to balance transfers, and balance transfers and purchases made by using the Promotional Convenience Checks that arrive with your Welcome Kit ("Welcome Kit checks"), and not to card purchases or cash advances. Welcome Kit checks used three months after Account Opening, to do a balance transfer or make a purchase, will post to your account at the Standard Cash Advance APR. The fixed promotional rate may increase if your account is consistently past due or you make your monthly payments late. See "Rate and Fee Information" in the link provided above. Promotional rates end six months after Account Opening.

² After the first waived late fee, each occurrence is $15 for balances up to $99.99; $29 for balances $100-999.99; $39 for balances of $1,000 or more.

³ After the first waived Overlimit Fee, $20 each time the outstanding balance exceeds the Credit Limit during a billing cycle. No more than one Overlimit Fee will be charged in each billing cycle.

⁴ When you link this card to your Wachovia checking account, your Wachovia Credit Card account will not be charged an overdraft fee. The checking account will assess a fee.

Subject to approval. Issued by Wachovia Card Services, N.A., Equal Credit Opportunity Lender

WACHOVIA VISA® PLATINUM WITH REWARDS CARD

WACHOVIA VISA^® PLATINUM WITH REWARDS CARD