1 These 2008-09 academic year benefit programs may be modified or discontinued at any time without notice. Program changes will not affect loans that qualify for the benefit prior to the time of the change. Borrower is responsible for payment of applicable taxes. Interest rate benefits terminate upon loan default and/or loan transfer to the guarantor or insurer. Auto-debit must be used for regularly scheduled payments of principal and interest to earn 0.25% rate reduction. Visit wachovia.com/studentsavings for complete details and eligibility requirements.