| More than 100,000 Bank of America associates 
                                    provide financial products, services, ideas 
                                    and solutions to customers and clients in 50 
                                    states and the District of Columbia. Their 
                                    consumer and commercial banking operations 
                                    serve more than one in four households in 
                                    the United States, transacting with more 
                                    than 150 customers per second. 
 Forbes named Bank of America among the "Best 
                                    of the Web" and Global Finance magazine 
                                    ranked them the world's best consumer 
                                    Internet bank. Card issued by FIA Card 
                                    Services, NA
 
                            Our AssessmentCommunication is extremely important when dealing 
                            with a lender to avoid problems and to make sure 
                            that the cardholder knows all of the services and 
                            options available to them. Having bilingual 
                            communications is a positive step in that direction.
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