Email that Educates. Free Email Series for You.

Whether you’re saving for college, buying your first home or planning your retirement, Wachovia can help. Register for our free financial education series, and you will receive emails full of practical, in-depth information to help you assess your finances, understand your options, and realize your goals. No matter what stage of life you are in, Wachovia can help you plan for the future.

Debt Consolidation

In over your head with credit? Debt consolidation may be a way to regain control over your finances. In our debt consolidation series, Wachovia Mortgage Corporation will provide you with information about home equity loan options that can be used to help you get out from under your debt. Topics include:

•Do You Need to Consolidate?

•Assessing Your Situation

•Debt Consolidation Options

•Home Equity Lending

•The Plan

Women and Retirement

Are you planning for your financial future? Women have unique retirement needs and this five email series is focused on the essential steps every woman must take to ensure a comfortable retirement. Topics include:

•Why Retirement Planning is Essential for Women

•Goal Setting

•Investment Concepts

•Income Opportunities During Retirement

•Guidelines for Retirement Planning Based on Stage of Life

Investment Education

Whether you are saving for retirement or college, this series developed by Wachovia Securities, the nation's third largest full service retail brokerage firm with more than $645 billion in client assets, (as of 3/31/05), will guide you through the process of goal setting and progress tracking. Create your own curriculum from a list of topics including:

•The Value of an Advisor

•Saving for College

•Paying for College

•Assessing Your Retirement Needs

•Which IRA is Right For You?

•Five Critical Steps

Buying Your First Home

Buying a home can be a confusing and intimidating process, especially if it is your first time. This email series will explain, in simple terms, some important information you need to be aware of when planning to purchase your first home. Topics include:

•Home Ownership is Within Your Reach

•The Cost of Purchasing A Home

•How Much Can I Borrow?

•Choosing a Mortgage

•Choose a Real Estate Agent

•The Closing

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.

Lending Services are available through banking and non-banking subsidiaries of Wachovia Corporation, including, but not limited to Wachovia Bank, National Association and Wachovia Bank of Delaware, National Association. All loans are subject to credit approval. Wachovia Bank and Wachovia Bank of Delaware are equal housing and opportunity lenders.

Equal Credit Opportunity Lender

Securities and Insurance Products:

Not Insured by FDIC or any Federal Government Agency May Lose Value Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate

Wachovia Securities is the trade name under which Wachovia Corporation provides brokerage services through two registered broker-dealers: Wachovia Securities, LLC, member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, member NASD/SIPC. Each broker-dealer is a separate non-bank affiliate of Wachovia Corporation.