The Wachovia Business Equity Line1. Who Thought Taking Something Away Could Add So Much?

Special Introductory Rates as Low as Prime Minus 1.50% for Three Months2
A Wachovia Business Equity Line allows you to use your residential real estate to qualify for short- or long-term credit. Other advantages include: • Business Equity Line is in your business’s name – helping keep business and personal expenses separate 3 • Line amounts ranging from $10,000 to $2.5 million • Overdraft protection for your business checking account • Access to your credit over 15 years • No annual fee 4
To learn more about a Wachovia Business Equity Line, please contact:

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1 All loans and lines of credit are subject to credit approval, verification and collateral evaluation. Initial decision will be subject to your meeting specific underwriting requirements and final approval will be based upon your satisfying certain other requirements. All loans and lines of credit are originated by Wachovia Bank, National Association, or where applicable, Wachovia Bank of Delaware, National Association. Products not available in all states and are subject to change without notice. 2 During the first three months that the account is open (introductory period), the variable rate which would otherwise apply will be discounted by -0.50%. Upon expiration of the introductory period, the variable rate will increase by 0.50% and be based on the Prime Rate as published in The Wall Street Journal, Eastern Edition (which was 8.25% as of February 1, 2007) plus or minus a margin which is determined by your credit score, line options, line amount, property state location and available equity. If you have a qualifying Wachovia deposit account (checking, savings, money market and Command Asset Program), 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. Reduction will terminate if auto draft is cancelled. The interest rate contained in your Business Equity Line Agreement may be different than the advertised interest rate based on your individual circumstances and changes to the Prime Rate as of the date of loan origination. Your interest rate may increase or decrease after consummation, based on changes to the Prime Rate, in accordance with the terms of the Business Equity Line Agreement. Adequate homeowner's insurance is required, and flood hazard insurance may be required. 3 Loans to sole proprietorships must be in the name of the individual who is the sole proprietor. 4 There is no annual fee to have a Business Equity Line; however, you will have to pay closing costs. Offer expires 5/15/2007 and is only available in California. Member FDIC ©2007 Wachovia Corporation 071054