PROGRAM HIGHLIGHTS

¹ If qualifier requirements are not met in any statement period, a $15 monthly service fee will apply.

² The You're Covered Card is only available to new Wachovia At Work customers.

³ 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, FSB. Amount of credit will be the lesser of $250 or 1% of your loan amount and will be applied toward your Origination Fee, for loans less than $25,000, which is typically 1% 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 Offer is valid only on actual loans closed and no amount will be credited if the loan is denied or withdrawn.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. Please contact a Mortgage Consultant for specific guidelines.

⁴ Based on your status as a Wachovia At Work customer, you will receive a 0.05% rate reduction on a new loan. If you have a qualifying Wachovia deposit account, you will receive a 0.50% rate reduction. If you have auto draft from a qualifying Wachovia deposit account, on the new loan, you will receive a .25% rate reduction. This discount will terminate if auto draft is cancelled.

⁵ The Annual Percentage Rate (APR) is based on the Prime Rate as published in The Wall Street Journal, Eastern Edition, plus or minus a margin. As of December 1, 2008, the Prime Rate was 4.00%. The margin is determined by your credit score, line options, line amount, property state location and available equity. The APR contained in your Prime Equity Line Agreement ("your APR") will be based on your individual circumstances and changes to the Prime Rate as of the date of loan origination. Based on your status as a Wachovia At Work customer, on a new line, you will receive a 0.05% reduction to the margin. If you have a qualifying Wachovia deposit account, on a new line, you will receive a 0.50% reduction to the margin. If you have auto draft on the new line, you will receive a 0.25% reduction to the margin. This discount will terminate if auto draft is cancelled. Your APR may increase or decrease after consummation, based on changes to the Prime Rate, in accordance with the terms of the Prime Equity Agreement. Your APR will not exceed 18%. You may have to pay closing costs which may range from $142 to $1785. Because taxes vary by state, your costs could be higher. Adequate homeowner's insurance is required and flood hazard insurance may be required. Other restrictions may apply. Program subject to change at any time without notice.

All loans and lines of credit are subject to credit approval, verification and collateral evaluation. Loans originated by Wachovia Mortgage, FSB, Wachovia Bank, N.A. or Wachovia Bank of Delaware, N.A. Products not available in all states and are subject to change without notice. You cannot combine these offers with other Wachovia offers.

Wachovia Securities is the trade name used by two separate, registered broker-dealers and nonbank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member FINRA/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA/SIPC.

Wachovia At Work is a registered trademark of Wachovia Corporation.





Wachovia Bank, N.A., Wachovia Card Services, N.A., and Wachovia Bank of Delaware, N.A., are Members of FDIC and Equal Credit Opportunity Lenders.