WACHOVIA VISA^® PLATINUM WITH REWARDS CARD

¹ 0% fixed APR for 12 months from the Account Opening Date ("Account Opening") on balance transfer transactions; thereafter your variable Standard Purchase Rate applies to any outstanding balance. Balance Transfer transactions must occur within three months of Account Opening to receive the promotional rate. The 0% fixed promotional APR applies only to balance transfers, and balance transfers and purchases made by using the Promotional Convenience Checks that arrive with your Welcome Kit ("Welcome Kit checks"), and not to card purchases or cash advances. Welcome Kit checks used three months after Account Opening, to do a balance transfer or make a purchase, will post to your account at the Standard Cash Advance APR. The fixed promotional rate may increase if your account is consistently past due or you make your monthly payments late. See "Rate and Fee Information" in the link provided above. Promotional rates end 12 months after Account Opening.

² When you link this card to your Wachovia checking account, your Wachovia Credit Card account will not be charged an overdraft fee. The checking account will assess a fee.

³ A "Qualifying Purchase" is any signature-based, Internet purchase, phone or mail-order purchase, or bill payment, contactless purchase (purchases made by holding your Visa card or other device up to a secure reader instead of swiping your card) or small dollar purchase for which you are not required to sign, made with an enrolled Wachovia Check Card, Wachovia Credit Card, or both., which is processed or submitted through the Visa U.S.A. Inc processing system. A Qualifying Purchase does not include a purchase made using a Personal Identification Number, balance transfers, cash advances, purchases of money orders or other cash equivalents. Use of Convenience Checks and fees or finance charges do not earn points. Additional restrictions apply.

Subject to approval. Issued by Wachovia Card Services, N.A., Equal Credit Opportunity Lender