CREDIT CARDS

Whether you're in the office, on the road, or working from home, your new Wachovia Business Credit Card is an easy way to make business purchases. With a credit limit well-suited for your growing business, the Wachovia Business Credit Card will allow you to have working capital available to you when you need it most.

With this card, you'll have the essentials like built-in fraud protection, no annual fee, 24-hour help from a dedicated business Credit Card Specialist, and free cards for all of your employees. Plus, you'll find some important perks you might not expect from your typical business credit card.

Reward Yourself
With your new Wachovia Business Credit Card, you have the option to enroll in Wachovia Possibilities Rewards^®, our no-fee rewards program. Earn points on all of your qualifying purchases and redeem them for cash back, travel, merchandise, gift cards, and more.¹Plus, you can combine points earned on all of your Wachovia business and personal credit and check cards to redeem for rewards faster.

Features and Services
The Wachovia Business Credit Card gives you all the features and services your business demands, including:

No annual fee
0% fixed APR on balance transfers for 12 months from account opening²
Attractive purchase rates ranging from Prime + 1.99% to 7.99%^{3, 4}
No-fee cards for employees with the ability to set limits to control employee spending
Consolidated monthly statement
Integrated online banking and reporting with Wachovia Business Online to easily manage your finances
Late fee and overlimit fee each waived once every 12-month period^{5, 6}
Assistance from dedicated business Credit Card Specialists, 24 hours a day, seven days a week
Zero Liability for any unauthorized purchases on your card
No-fee overdraft protection when you link this card to your Wachovia Business Checking Account⁷

To apply for a Wachovia Business Credit Card, visit your nearest financial center or call us at (800) 566-3862 and select the "New Account" option between the hours of 8:00am and 9:00pm ET, Monday through Friday.

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¹ A "Qualifying Purchase" is any signature-based, Internet purchase, phone or mail-order purchase, or bill payment made with an enrolled Wachovia Business Check Card, Wachovia Business Credit Card, or both. 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.

² Promotional Balance Transfer APR: A 0% fixed APR for 12 months from Account Opening Date ("Account Opening") on balance transfers made at Account Opening or transfers made using promotional convenience checks; thereafter, your variable Standard Purchase Rate applies. Promotional rates end 12 months after Account Opening. Promotional convenience checks will arrive with your Welcome Kit and must be used within 90 days of Account Opening to receive promotional rate. The 0% fixed promotional APR applies only to balance transfers and not to purchases or cash advances. The fixed promotional rate may increase if your account is consistently past due or you make your monthly payments late.

³ The Prime Rate was 5.00% as published in The Wall Street Journal as of May 23, 2008. Rates are subject to change without notice. For the most recent information, contact a Wachovia Credit Card Specialist at (888) 476-5287, 24 hours a day, seven days a week.

⁴ Prime + 1.99% APR available for qualifying accounts only. Be sure to review Rate and Fee Information.

⁵ After the first waived late fee, each occurrence is $15 for balances up to $99.99; $29 for balances $100-999.99; $39 for balances of $1,000 or more.

⁶ After the first waived overlimit fee, $20 per billing cycle in which overlimit incident occurs, if account is overlimit at time statement is produced.

⁷ Your Wachovia Business Credit Card will not be charged an overdraft fee. Your Wachovia Business Checking account will assess a fee.

Wachovia Card Services, N.A., Equal Credit Opportunity Lender