WELCOME VERIZON RETIREES

Verizon retirees are eligible to receive exclusive benefits from Wachovia. As a member of the Verizon family, you’re entitled to preferred pricing on a wide variety of financial services, like premium interest rates on deposit accounts and discounts on loans.

You also have convenient online tools to help you better manage your financial life. With Free Online Banking, you have 24-hour access to your Wachovia accounts.¹ And to help you make more informed decisions, you’ll find financial guides and articles on such topics as buying a home and planning for retirement.

If you’re looking to buy or refinance a home, we have a streamlined process for you called Welcome Home Mortgage:

Welcome Home Mortgage Program
This program was created to help you navigate easily through an otherwise complex process. Welcome Home is exclusively offered through Wachovia Mortgage's Corporate Mortgage Services division in Wilmington, NC and provides quick loan decisions, closings, and the personal attention you deserve.

Upon closing your new mortgage, you'll be entitled to choose one of the following value-added benefits²:

$500 credit toward closing costs³
Free three day, two-night hotel vacation package to one of more than 850 destinations at Marriott, Hyatt and Wyndham properties⁴
One-year home warranty⁵

Additional benefits include:

Special discounted interest rates
Purchase or refinance loans
Free float-down feature on many products, if rates improve
Streamlined application by phone, online, or mail
Quick loan decisions
Extended rate lock periods available — up to 360 days⁶

Learn more about the Welcome Home mortgage, call us at (866) 776-3396, 8:30am to 10:00pm ET, Monday through Friday. Be sure to mention your special program number 94851.

Benefits For Your Entire Financial Life
Wachovia At Work^® is a financial ally—one that can open the door to a new world of options and make your financial life easier, such as:

Checking and savings accounts
Free Wachovia Online Banking with BillPay¹
Discounts on auto, personal, and home equity loans and home equity lines of credit
Preferred rates on credit cards
Brokerage services⁷

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All loans and lines of credit are subject to credit approval, verification, and collateral evaluation and are originated by Wachovia Mortgage, FSB, Wachovia Bank, N.A., Wachovia Financial Services, Inc., or where applicable, Wachovia Bank of Delaware, N.A. Products are not available in all states. Programs, rates, terms and conditions are subject to change without notice. Certain restrictions apply.

¹ Normal bank fees apply to linked accounts. Customer must obtain Internet access. Offer limited to personal accounts. A Web browser utilizing 128-bit encryption is required for Online Banking and BillPay. Information and pricing subject to change.

² You may choose one of the three options shown. Benefits are provided at loan closing or sent to the borrower after loan closing, depending on the option chosen. Only one option is available per mortgage loan (home equity loans and lines of credit excluded) and this offer may not be combined with any other Wachovia Mortgage offer. No cash will be provided. This offer is only valid on actual mortgage loans closed through Wachovia Mortgage's Corporate Mortgage Services division and will not be credited if your loan is denied or withdrawn. Offer is subject to change without notice. Other restrictions apply. Please see specific information regarding each option below and contact us for details.

³ Amount of credit will be the lesser of $500 or 1% of your loan amount and will be applied toward your Origination Fee, which is typically 1% of your loan amount. Any remaining credit will be applied toward borrower-paid closing costs as a credit at closing.

⁴ If you select the hotel vacation package you will receive a certificate after loan closing that is redeemable for a 3 day/2 night hotel stay at your choice of over 850 hotel properties. Accommodations vary by location. Transportation is not included. Reservations are subject to availability and reservation changes may require fees or result in forfeiture of your certificate. Certificate cannot be replaced if lost or stolen and may be transferable. Please see myhomeandaway.com for more information.

⁵ Not all home systems and appliances are covered. Systems and appliances must be in good working condition on the effective date of coverage. Certain restrictions, exclusions and limitations apply. The Cross Country Home Services Warranty Plan is issued by HomeSure Services, Inc., Fort Lauderdale, FL, except in the following states where it is issued by the identified entity: in Alabama, Florida, Illinois, Iowa, Nevada, New Hampshire, New Mexico, New York, North Carolina, Oklahoma, South Carolina, Texas, Utah, Vermont, Washington, Wisconsin and Wyoming by HomeSure of America, Inc., Fort Lauderdale, FL; in California by HomeSure Protection of California, Inc., Fort Lauderdale, FL; and in Arizona and Massachusetts by HomeSure of Arizona, Inc, Fort Lauderdale, FL. The Home Protection Plan in Virginia and Oregon is issued by HomeSure of Virginia, Inc., Fort Lauderdale, FL. Services are provided by independent trades-people/contractors. Please see contract for actual terms and conditions. Benefits may vary by state.

⁶ A non-refundable extended rate lock fee will be required if extended rate lock is selected.

⁷ 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.

Wachovia Bank, N.A. and Wachovia Bank of Delaware, N.A. are Members FDIC. Only deposit products are insured.

Wachovia At Work and Wachovia are registered service marks of Wachovia Corporation.

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