Home Equity Loans and Lines

¹ Consult your tax advisor concerning interest deductibility.

² While consolidation may decrease your overall monthly payment obligations, refinancing pre-existing debt with a home equity loan/line will require you to give Wachovia a security interest in your home and may increase the total number of monthly debt payments, as well as the aggregate amount paid by a borrower over the term of the mortgage loan.

³ 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 April 1, 2008, the Prime Rate was 5.25%. 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 0.15% reduction to the margin. If you have auto draft on the new line, you will receive a 0.10% 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 average $600 but usually range from $120 to $2,150. Because taxes vary by state, your costs could be higher. Adequate homeowner's insurance is required and flood hazard insurance may be required.

Wachovia At Work is a registered trademark of Wachovia Corporation.

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 Bank, National Association and Wachovia Bank of Delaware, National Association. Members FDIC. Only deposit products are FDIC insured.

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