• Earn valuable rewards

• No preset spending limit

• Concierge Service

WELCOME TO THE BANK OF AMERICACONCIERGE™ CREDIT CARD

A Class Above Platinum.Miles Above Other Cards.

CONC-BR1-0702

* No preset spending limit does not mean unlimited spending. Each charge thatcauses your balance to exceed your revolving credit access line will beevaluated based on your account spending, payment history and yourexperience with other creditors. Your minimum payment each month will be2.5% of your balance within your revolving credit line access plus any amountover your revolving credit line access. We reserve the right to decline anauthorized request for any transaction at any time for any reason. We also mayrequest additional information from you at any time to evaluate a transactionrequest or your use of the account generally.

With acceptance of this product, your current account balance (whereapplicable) will be transferred to this account and your account will be closed.

The Bank of AmericaConcierge™ Credit Card...

It’s like having your own personalbenefits, personal travel agent and

personal assistant all in one credit card.

Accept our Upgrade Invitation

today by calling1.800.732.9194 or returning the enclosed R.S.V.P.

Concierge™ RewardsA Class Above Platinum.Miles Above Other Cards.

An array of exceptional rewardsand services to compliment

your busy lifestyle.

Choose from:

• Air travel rewards

• Travel, retail and dining certificates from leading merchants

• Brand name merchandise rewards

• 24/7 Concierge Service

For more details on these distinctiverewards, simply see inside.

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Upgrade to the new Bank of America

Concierge™ Credit CardCongratulations for being selected to receive theextraordinary services of Concierge™. The Bank of AmericaConcierge™ Credit Card is a class above Platinum with avast array of exciting rewards that go beyond other creditcards. Plus Concierge™ gives you the freedom to chooseyour rewards, the power to control your spending, and the protections you need for peace of mind.

No preset spending limit andextraordinary benefits

When you accept your new Concierge™ Credit Card, you’llenjoy the freedom of a generous credit line with no preset dailyspending limit* and a low APR. And that’s just the beginning...

◆ Concierge Service available 24 hours a day, seven days a week can help with restaurant reservations, giftarrangements, travel information, vacation planning,event tickets and more

◆ Zero Liability Policy helps protect against unauthorized use of your credit card for safe Internet, telephone and in-store transactions when you notify us promptly

◆ Travel Accident Insurance, Emergency Assistance,Warranty Manager Service, Lost Luggage Insurance andNo-Charge Auto Rental Insurance

◆ Guaranteed airport parking at select locations throughout the United States

◆ Quarterly statements and a year-end account summary

◆ Online bill payment and account access atwww.bankofamerica.com

◆ Verified by Visa Service helps youprotect online purchases with apersonal password

Enjoy your choice of rewardsUnlike other reward credit cards, theConcierge™ Rewards Program gives you the freedom to choose. You’ll earnone point for every dollar in purchases — up to 90,000 pointsannually. As your points add upyou can...

◆ Earn free tickets on any majorairline with no blackout dates,no seat restrictions and noconfusing ‘zone travel’ limitations — even fly duringbusy holiday seasons

◆ Choose free premium brand name merchandise,including Calphalon® cookware, Weber® grills or Ping® golf clubs

◆ Redeem your points for luxury rooms at Hyatt®,Radisson® and other hotels

◆ Receive rental car certificates from names like Hertz®

◆ Select valuable gift certificates from restaurants and merchants including Nordstrom®, Morton’s andThe Home Depot®

At Your Service

Upgrade today with a toll-free call to

1.800.732.9194

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