DETAILS OF RATE, FEE, AND OTHER COST INFORMATION

As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement sent with the card. Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.

Annual Percentage Rate (APR) for Purchases	Standard APR: 9.99% for Platinum Plus^® accounts, or 15.99% for Preferred accounts. The account you receive is determined based on your creditworthiness. See explanation ¹ below for Default APR.
†Other APRs	Balance Transfers: 0% Introductory APR applies to Balance Transfers through your first twelve statement Closing Dates (the Promotional Period). When the Promotional Period ends, the Standard APR for Balance Transfers is 9.99% for Platinum Plus accounts, or 15.99% for Preferred accounts. The Promotional Period will end sooner if your payment is late or the account balance is over the credit limit. See ¹ and ² below for explanation. Cash Advances: 0% Introductory APR applies to Direct Deposits that are not processed online (non-online Direct Deposits) and Check Cash Advances through your first twelve statement Closing Dates (the Promotional Period). When the Promotional Period ends, the Standard APR for non-online Direct Deposits and Check Cash Advances posted to your account either during the Promotional Period or before January 19, 2008 is 9.99% for Platinum Plus accounts, or 15.99% for Preferred accounts. Non-online Direct Deposits and Check Cash Advances posted to your account on or after January 19, 2008 and after the end of the Promotional Period will be subject to the Standard APR for Direct Deposits and Check Cash Advances of 19.99% for both Platinum Plus and Preferred accounts. The Promotional Period will end sooner if your payment is late or the account balance is over the credit limit. See ¹ and ² below for explanation. The Standard APR for Bank and ATM Cash Advances and for online Direct Deposits is 19.99% for both Platinum Plus and Preferred accounts. Cash Equivalents posted to your account on or after January 19, 2008, will be Cash Advances subject to the Standard APR for Bank and ATM Cash Advances. Cash Equivalents include the purchase of money orders, foreign currency, and travelers checks from a non-financial institution, person-to-person money transfers, bets, lottery tickets, casino gaming chips and, as of January 19, 2008, will include fines and bail bonds. Default APR: Up to 29.99% for all Purchase, Balance Transfer, and Cash Advance balances if late or overlimit for both Platinum Plus and Preferred accounts. See ¹ below for explanation.
Grace period for repayment of balance for Purchases	At least 20 days from the statement Closing Date (provided you fully paid your New Balance Total from the previous statement by its Payment Due Date). See ■ below for explanation.
Annual fee	None.
Method of computing the balance for Purchases	Average Daily Balance (including new transactions).
Transaction fee for Purchases	Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted either during the Promotional Period for Purchases or before January 19, 2008: 3% of each such purchase (minimum $10). Cash Equivalents posted to your account on or after January 19, 2008 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents as noted below.
Foreign Transactions	Transaction fee for any transaction made in a foreign currency: 3% of the U.S. Dollar amount of each such transaction. This fee will be in addition to any other applicable fee.

Transaction fee for Balance Transfers, non-online Direct Deposits, and Check Cash Advances: 3% of each such cash advance (minimum $10). See ³ below for explanation.

Transaction fee for Bank and ATM Cash Advances and online Direct Deposits: 3% of each such cash advance (minimum $10).

Transaction fee for Overdraft Protection Bank Cash Advances (if enrolled): 3% of each such cash advance (minimum $10).

Transaction fee for Cash Equivalents: 3% of each such cash advance (minimum $10).

Late-payment fee: Based on your balance as of the day the fee is assessed- $15 if $100 or less; $29 if between $100.01 and $250; $39 if over $250.

Over-the-credit-limit fee: Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if over $1000.

¹ Each time your minimum payment is late (i.e., not received by 5 p.m., ET, on its Payment Due Date), or the account balance is over the credit limit, we may increase each of your account's Standard APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances.

If your account has balances with different APRs, payments are applied to the balance with the lowest APR before any payments are applied to balances with higher APRs. This means that balances with higher APRs are not reduced until balances with lower APRs have been paid off.

² The Introductory APR does not apply to Purchases, Bank and ATM Cash Advances, or online Direct Deposits. When a Promotional Period ends, the Standard (non-introductory) APR for your account is applied to new and outstanding balances (consisting of Balance Transfers, non-online Direct Deposits, and Check Cash Advances). If your payment is late or the account balance is over the credit limit, either the Standard APR or the Default APR will be applied to those balances as of the first day of the billing cycle in which the payment was late or the balance exceeded the credit limit. We reserve the right to change the Standard APRs and the Default APR on your account. REMINDER: To preserve the grace period for new purchases, pay your New Balance Total in full and on time. The 0% APR does not apply to Purchases.

■The number of days between your statement Closing Date and your Payment Due Date (the grace period) may vary from one Billing Cycle to another.

³ We include Transaction Fees when computing finance charges. Incurring Fees results in an APR exceeding 0% for the billing statement on which Fees appear. The Daily Periodic Rate (DPR) will remain 0% as disclosed.

AGREEMENT
I have read the terms and terms and pricing disclosures for this account and by electronically transmitting this application, I indicate my agreement with each of the terms and conditions. I understand that I will be bound by each of the terms of the Credit Card Agreement, including arbitration.
I have read this application, and everything I have stated is true. I am at least 18 years of age or I am at least 21 years of age if a permanent resident of Puerto Rico. I authorize FIA Card Services, N.A. (hereinafter "you" or "your") to review my credit and employment histories and any other information in order to approve or decline this application, service my account and manage your relationship with me. I consent to your sharing of information about me and my account with the organization, if any, endorsing this credit card program. I authorize you to share with others, to the extent permitted by law, such information and your credit experience with me. In addition, I may as a customer later indicate a preference to exempt my account from some of the information-sharing with other companies ("opt-out"). If I accept or use an account, I do so subject to the terms of this application, the "Details of Rate, Fee, and Other Cost Information," and the Credit Card Agreement as it may be amended; I also agree to pay all charges incurred under such terms. Any changes I make to the terms of this application will have no effect. I understand that based on my creditworthiness my application may be approved for a Preferred account. The APRs and benefits for Preferred accounts differ from Platinum Plus accounts. I accept that on a periodic basis an account may be considered for automatic upgrade at your discretion. I consent to and authorize you, any of your affiliates, or your marketing associates to monitor and/or record any of my phone conversations with any of your representatives.

The information contained in this advertisement was accurate as of 10/1/2007. The information may have changed after that date. To find out what may have changed you may contact FIA Card Services, N.A., for specific information by calling 1-800-932-2775 or by writing to P.O. Box 15020, Wilmington, DE 19850. TTY users, please call 1-800-833-6262.

§ WORLDPOINTS^®. Earn 1 point per dollar of new net retail purchases charged to your credit card with WorldPoints. Balance transfers, cash advances including purchases of money orders or other cash equivalents, out-of-network payments made through the Bill Pay Choice™ service, purchases made by or for a business or for a business purpose, fees, finance charges and unauthorized/fraudulent transactions do not earn points. Points have no cash value except as described in connection with cash rewards, may not be used to pay any credit card balance, and are valid for 5 years. TRAVEL REWARDS have point and corresponding maximum dollar value (“MDV”) requirements. Miscellaneous costs not included. Rewards subject to availability. Air. Points and MDV needed to travel within the 48 continental states (including Washington, D.C.): 25,000/$400; 48 states to Canada, Mexico, or PR: 35,000/$600; 48 states to AK, HI, or Caribbean: 45,000/$600; 48 states to Europe: 60,000/$800; 48 states to Central or South America, Asia, Africa, or the South Pacific: 85,000/$1,150: the respective Point and MDV values also apply should travel begin in AK, HI, or PR and end within the 48 states or D.C. MDV includes all taxes and destination fees except the September 11th Security Fee. First- and business-class rewards available upon request. Unless redeeming for first- or business-class fare, ticket will be lowest coach class fare available through the WorldPoints redemption center. Special air arrangements require payment of additional points and processing fee. Additional terms apply. Car. Rent any car for any number of days with pickup and return to the same rental location within the U.S. For every 5,000 points you redeem for an eligible car rental, you receive a ($50) credit toward the rental cost. 5,000 Points = $50 MDV. 7-day advance reservations required and arrangements subject to availability. Credit, age, and driver requirements apply. Miscellaneous costs are your responsibility. Additional terms apply. Hotel. For every 5,000 points you redeem, you receive a ($50) credit toward the nightly cost of the accommodations. 5,000 Points = $50 MDV. 7-day advance reservations required and accommodations subject to availability. No minimum stay required. Miscellaneous costs are your responsibility. Additional terms apply. MERCHANDISE AND GIFT CERTIFICATE REWARDS. Online merchandise catalog has widest selection; abridged pamphlet mailed upon request. Featured items may not reflect actual rewards. Goods of equal or similar value may be substituted if reward is unavailable. Rewards shipped prepaid. CASH REWARDS available online or by telephone. Cash reward check values and required Points: $12.50/2,500; $25/5,000; $37.50/7,500; $80/10,000; $120/15,000; $160/20,000; $250/25,000; $350/35,000 and $500/50,000. Check issued upon request of Customer, made payable as described in complete Rules, and mailed within 14 business days of request. Check expires 90 days after date of issue. No yearly limit: to qualify, account must have active charging privileges. Unless authorized by us, points and rewards may not be combined with discounts or other programs, including airline or credit card programs, in the U.S. or abroad. Independent third parties manage, the Merchandise and Gift Card/Certificate Rewards portion of the Program. An independent third party travel agency, registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington (6011237430) and other states, as required, manages the Travel portion of the Program. The Cash Rewards portion of the Program is managed by FIA Card Services, N.A. The MyConcierge Rewards portion of the Program is managed by Les Concierges, Inc. We are not responsible for errors and /or omissions in any Program document. Program terms may change. Program void where prohibited by law. For more information, visit www.bankofamerica.com/worldpoints. Details accompany new account materials. All cardholders receive WorldPoints benefits. The WorldPoints program is managed in part by independent third parties, including a travel agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87892086); Washington (6011237430) and other states, as required.

§§ Zero Liability: So long as your account is in good standing, you have exercised reasonable care in safeguarding your card, and you have not reported two or more unauthorized events in the past twelve months, unauthorized purchases are not your responsibility.
MasterCard Global Service™, MasterAssist^® Travel Assistance Services, Master RoadAssist^®: Certain exclusions, restrictions and limitations apply. Details available when you receive your card.

*BALANCE TRANSFERS. If the total amount you request exceeds your credit line, we may either send full or partial payment to your creditors in the order you provide them to us or we may send you Cash Advance Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur finance charges from the transaction date. Balance Transfers are subject to transaction fees in the amount of 3% of the transaction (minimum $10). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A.

**Certain restrictions apply to each benefit. Details accompany new account materials. Preferred card benefits differ from Platinum Plus benefits (i.e., coverage amounts vary and some benefits are not available).

MasterCard is a federally registered service mark of MasterCard International Inc., and is used by the issuer pursuant to license.

FIA Card Services, N.A., is the issuer and administrator of this credit card program.