1st Quarter 2008 Your Year to Save

Wachovia is Committed to Helping You Save

 

Everyone knows that saving is important. Yet a recent study by Wachovia and the Consumer Federation of America found that only 44 percent of Americans believe they’re saving or have saved enough for their short- and long-term financial goals.

At Wachovia, we believe having personal savings can provide peace of mind and put you on strong financial footing.

Introducing Way2Save
To help jumpstart your savings, Wachovia introduces an exciting new savings program - Way2SaveSM. This program makes it easy to save by automatically transferring $1 from your Wachovia checking account into your Way2Save account when you make a Check Card purchase or an electronic payment, such as an automatic debit or online bill payment.* Depending on how often you use your Check Card, and your number of online payments, you could build up hundreds of dollars in your Way2Save account before you even realize it.

Get Paid to Save
Way2Save encourages you to keep saving with attractive yields and an anniversary bonus – a 5.00% Annual Percentage Yield (APY) and a 5 percent bonus in the first year**. To build the balance in your Way2Save account even faster, you can set up a recurring weekly, biweekly or even monthly transfer totaling up to $100 per month.

Here's How it Works
If you make 20 Check Card purchases monthly, pay 5 bills online monthly and set up a monthly recurring transfer of $25 with Way2Save, you can expect to save $645 in the first year, and almost $2,000 over three years.

And, there's no need to worry about the $1 transfers overdrawing your checking account. If a transfer would cause your checking account to be overdrawn, or if your overdraft protection was initiated, the Way2Save transfer will not occur.

Can You Access Your Money Whenever You Want?
Yes! Just like any other savings account, you will have full access to the funds in the Way2Save account.

Ready to Start Saving?
Apply for your Way2Save account now to begin your savings habit and start getting paid to save. Visit www.wachovia.com/way2save or stop by your local Wachovia Financial Center or call 800-WACHOVIA (800-922-4684).

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* Excludes online payments that post to your account as paper checks.

**Customers enrolled in the program earn a 5 percent annual bonus in year one, up to $300, and a 2 percent annual bonus in years two and three, up to $300. Bonuses are calculated on an annual basis for the first three years on eligible balances. The eligible balance is equal to the savings contributions for the current year (i.e., the sum of the $1 transfers and up to $1,200 of the recurring transfers) or the WaySave account balance, whichever is less. The Annual Percentage Yield (APY) for year one of the program is 5.00% and 2.00% for years two and three. The Way2Save account is a variable rate account and the rate is subject to change after account opening. Fees may reduce earnings.

Wachovia Bank, N.A. and Wachovia Bank of Delaware, N.A. are Members FDIC.

This newsletter does not constitute legal, accounting, tax or other professional advice. We recommend you contact your own legal, accounting, tax or professional advisor as neither Wachovia nor the publisher assumes responsibility for your relying on the information provided.

© 2008 Wachovia Corporation. All rights reserved.