FEES THAT MAY APPLY

Activity	Fee
Loading funds:	There is no cost to initially fund a Wachovia Dinero Directo card. The service charge thereafter is only $10 per load.
ATM Withdrawals:	The first withdrawal per funding transaction is free. Any withdrawal thereafter is $1. (Note: The minimum and maximum withdrawal amount will depend on the ATM.* Cardholder may have to complete multiple ATM transactions to access the entire balance on the card.)
Wachovia Conversion Rate:	3% per transaction of withdrawal in other currency.
ATM Balance Inquiries¹:	Two free per month. Any inquiry thereafter is $.50.
Online Balance Inquiries:	Free. Go to wachoviadinerodirecto.com
Inactive Fee:	$2 per month after 6 months of no account activity.

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* Some international ATMs will not support balance inquiries.

Wachovia Bank, N.A., and Wachovia Bank of Delaware, N.A., are Members FDIC.