MORTGAGES

¹ A refundable float-down fee and non-refundable extended rate lock fee will be required.

² The standard application fee will be charged at closing. You may be required to pay any credit report and appraisal fees before these items are ordered. This offer is valid only when mentioned at the time of application with Wachovia Mortgage.

³ Amount of credit will be the lesser of $250 or one percent of your loan amount and will be applied toward your Origination Fee, which is typically one percent of your loan amount. Offer is for a limited time and may change without notice. Offer is limited to one credit per loan and cannot be combined with other Wachovia Mortgage offers. Offer is valid only on actual loans closed and no amount will be credited if the loan is denied or withdrawn. Other restrictions may apply. Program subject to change at any time without notice.

⁴ Crown Banking is a variable-rate (rate may change after account opening) interest checking account with a minimum opening deposit of $100 required. The minimum balance requirement and monthly service fees are waived for eligible mortgage customers during the life of their Wachovia Mortgage loan. If the mortgage loan is paid off, or if you fail to originate your Wachovia mortgage, all standard minimum balance requirements and monthly service fees will apply.

Wachovia at Work is a registered trademark of Wachovia Corporation.

Mortgage loans are originated by Wachovia Mortgage, FSB, and are subject to credit approval, verification, and collateral evaluation. Products are not available in all states and are subject to change without notice. A prepayment fee may apply. Certain restrictions apply.

Wachovia Bank, N.A. and Wachovia Bank of Delaware, N.A. are Members FDIC. Only deposit products are FDIC insured.