| 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 
                            Assessment:Pets provide many benefits to humans. They comfort 
                            us and they give us companionship. Taking good care 
                            of pets, especially as they age, can be expensive. 
                            The Pet Rewards™ 
                            Visa® from Bank of America gives the pet owner a way 
                            of offsetting those costs just by using the card.
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