Here you’ll find answers to some of the most common questions about Wachovia Possibilities Rewards^SM. If you don’t see your question below, call 1-888-440-7000 or visit wachoviapossibilities.com for program information.

For Check Card customers (personal and business) previously enrolled in the Visa Extras program, now called Wachovia Possibilities Rewards^SM

Q: What is happening to Visa Extras?
A: We are changing the name from Visa Extras to Wachovia Possibilities Rewards. We have also added several hundred redemption items, enhanced the service and made it easier for you to find the rewards you want.

Q: How do I enroll in Wachovia Possibilities Rewards?
A: Since you were enrolled in Visa Extras, you are already enrolled in Wachovia Possibilities Rewards. Simply continue using your Check Card for everyday purchases to earn points toward great rewards like airline tickets, restaurant and retail gift cards, merchandise and other items.

Q: Do I still go to visaextras.com to redeem my points?
A: No; we have created a new website at wachoviapossibilities.com to better serve your needs. Visit often — exciting rewards are being added all the time.

Q: What happens to the points I’ve earned with Visa Extras?
A: Only the name of the program is changing, not your point balance. You still have all of your points. Simply go online to wachoviapossibilities.com to view your point balance and browse our enhanced online catalog.

Q: How do I earn points with Wachovia Possibilities Rewards?
A: Earning points with Wachovia Possibilities Rewards works the same way as before. Simply use your Wachovia Check Card for signature-based purchases, Internet purchases, and phone or mail-order purchases.
For Consumer Check Cards: You’ll earn one point for every dollar you spend.
For Small Business Check Cards: You’ll earn two points for every dollar you spend. These points can then be redeemed for great rewards like airline tickets, restaurant and retail gift cards, merchandise and other items. You can visit wachoviapossibilities.com to browse the hundreds of rewards that are available to choose from. Check back often — exciting rewards are being added all the time.

Q: Are all purchases eligible for earning points?
A: Any time you sign for purchases using your Wachovia Check Card, you are eligible for points. Purchases made using a Personal Identification Number (PIN) are not eligible to earn points, so remember to sign for purchases whenever possible.

Q: What if I use my Wachovia Check Card at a gas station and select “credit”, but don’t sign?
A: Any time you select “credit,” you are eligible to earn points.

For Check Card customers who haven’t enrolled in rewards

Q: How do I enroll in rewards on my Check Card?
A: You can enroll in Wachovia Possibilities Rewards by going to wachoviapossibilities.com and entering your Check Card number. It’s easy to enroll and it’s free. After enrolling, you can check this website anytime to view your point balance, browse the rewards catalog and redeem your points. We’ll also email you a monthly rewards statement so you’ll always know how many points you have.

For Credit Card rewards customers who have questions about the enhanced Wachovia Possibilities Rewards program

Q: How do I enroll in Wachovia Possibilities Rewards?
A: You are already enrolled in Wachovia Possibilities Rewards and earning points on your purchases, but you still need to activate your rewards account. Just go online to wachoviapossibilities.com or call customer service at 1 888-440-7000 to create your username, password and 4-digit security code. Then you can go online to view your point balance, browse the rewards catalog and redeem your points. We’ll also email you a monthly rewards statement so you’ll always know how many points you have.

Q: How do I earn points with Wachovia Possibilities Rewards?
A: Earning points is easy. Simply use your Wachovia Credit Card for signature-based purchases, Internet purchases, and phone or mail-order purchases. You can even use your Wachovia Credit Card to pay your bills and to set up recurring payments.

• If you have a Wachovia Visa Classic^® with Rewards card, you’ll earn two points for every dollar you spend — that’s better than most other Classic cards, which don’t offer rewards.
• If you have a Wachovia Visa Platinum^® with Rewards card, you’ll earn four points for every dollar you spend — that’s equal to most other rewards programs.
• If you have a Wachovia Visa Signature^® card, you’ll earn six points for every dollar you spend — that’s 50% more than other credit cards.

For customers with both a Credit Card with rewards and a Check Card enrolled in rewards who have questions about the Wachovia Possibilities Rewards program

Q: How do I combine points earned on my Credit Card and Check Cards?
A: Once you’re ready to combine points, simply call 1-866-201-5702 and a Card Specialist will help you. It’s fast and easy, and you will be able to view your total combined rewards points online within 1-2 business days.

Q: My wife and I have a joint checking account and we each have a Check Card. How do we combine our points?
A: Please note that in order to combine points, you must be the primary accountholder on each card. Joint checking accountholders with two separate debit cards cannot combine points. Because you are not the primary accountholder on your wife’s Check Card, the two separate debit cards are not eligible to combine their points. However, if you have any other Wachovia Check Card or Credit Card (personal OR small business) for which you are the primary accountholder, you may combine those points with your Check Card. Once you’re ready to combine points, simply call 1-866-201-5702 and a Card Specialist will help you. It’s fast and easy, and you will be able to view your total combined rewards points online within 1-2 business days.

Q: What is the difference between enrolling and activating in Wachovia Possibilities Rewards?
A: Enrolling: Your Check Card does not come with rewards so if you would like to add that as a feature to your card, you must enroll the card in Wachovia Possibilities Rewards. You may enroll at wachoviapossibilities.com and enter your Check Card number. After you are enrolled, you will begin earning points on every qualified purchase.
Activating: If you have a Wachovia Credit Card with Rewards, you begin earning points as soon as you begin using your card. However, if you wish to redeem your points for rewards, view your point balance online or receive a monthly email statement, then you must activate your rewards account. Simply go to wachoviapossibilities.com and enter your Credit Card number.

For rewards customers who are ready to redeem points

Q: How do I see my point balance?
A: Simply go to wachoviapossibilities.com and log in using your username and password that you created when you enrolled in or activated your account. You can also call 1-888-440-7000 and a helpful Rewards Specialist will be happy to assist you. Visit wachoviapossibilities.com often to view new rewards options.

Q: How can I get a catalog?
A: We encourage you to go to wachoviapossibilities.com and log in to view our catalog since we are adding new rewards all the time.

Q: I don’t have internet access. Can you send me a catalog?
A: Of course. We can send you our rewards brochure that provides a selection of the rewards categories and brands available for redemption. Let me confirm your address.… You can also call Wachovia Possibilities Rewards at 1 888-440-7000 and a helpful Rewards Specialist will be happy to discuss the rewards that are available to you.

Q: How do I redeem my points?
A: Just go to wachoviapossibilities.com and browse our online rewards catalog. There are hundreds of redemption items to choose from. You can also search for a specific reward, so if you have something particular in mind, you can find it quickly. Visit wachoviapossibilities.com often — exciting rewards are being added all the time. If you’d rather redeem over the phone, you can call 1-888-440-7000 and a helpful Rewards Specialist will be happy to assist you.

Q: What’s in the online rewards catalog?
A: Our online rewards catalog is filled with hundreds of redemption items in every point range — from 5,500 points to over 500,000 points. You can browse rewards by category, or if you have a specific reward in mind, you can use the search function. Either way, it’s easy to find the rewards you want. Remember to visit the online catalog often — we are adding exciting, new rewards all the time.

Q: What kind of rewards can I redeem for?
A: There are hundreds of redemption items in every point range starting at 5,500 points and going to over 500,000 points. Some examples redemption items include:

• Travel rewards such as airline tickets from most major airlines; free nights at hotels such as Marriott, Wyndham, The Ritz-Carlton; and luggage from Samsonite and Tumi



• Dining rewards such as gift cards to Starbucks, T.G.I. Friday’s, Chili’s, Bennigan’s, Morton’s, and Ruth’s Chris Steak House



• Office rewards such as gift cards to Staples and Levenger, and merchandise such as Canon printers, VTech phones and Panasonic fax machines



• Home rewards such as KitchenAid appliances, the Bose Wave music system and gift cards to The Home Depot, Williams-Sonoma and Pottery Barn



• Shopping rewards such as gift cards to Brooks Brothers, Neiman Marcus, Saks Fifth Avenue, Macy’s and Old Navy