No Annual Fee Reward Credit Card Offers

1. Bank of America Accelerated Rewards™ American Express® Card

Earn Rewards Faster with 1.25 Points for Every Net Retail Purchase Dollar 0% Intro Annual Percentage Rate (APR)* on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles No Annual Fee and the Flexibility to Pay Over Time Redeem Your Points for Travel with No Blackout Dates, Discounts at Hotels, Cash, Brand-Name Merchandise, or Gift Certificates Access to Special Cardmember Offers from Participating American Express Merchants to Save on Shopping, Dining, Travel, Hotels, and Much More Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating 9.99%/15.99% 24.99% $0 20 Days (Min.)

2. Bank of America Visa Signature® WorldPoints™ Reward

No Annual Fee Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Earn 1 Point for Every $1 in Net Retail Purchases Absolute Fraud Protection Online Access and 24-Hour Service Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating 9.99% / 15.99% 19.99% $0 20 Days (Min.)

3. Brighter Planet™ Visa® Credit Card

1 EarthSmart Point for Every $1 Net Retail 1,000 EarthSmart Bonus Points with First Transaction 1,000 EarthSmart Bonus Points for Signing up for Paperless Statements For Every Two Base Points Earned Through December 2008, Bank of America Will Make a Matching Contribution of One Additional Point Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating 9.99% / 15.99% 24.99% $0 20 Days (Min.)

4. Bank of America World MasterCard® with WorldPoints™

Earn 1 Point for Every Net Retail Purchase Dollar Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates No Annual Fee Online Account Access and Point Management Absolute Fraud Protection Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating 9.99% / 15.99% 19.99% $0 20 Days (Min.)

5. Rainbow Platinum Plus® Visa® Card

For Every New Account That is Opened and Every Purchase Made With the Card, Bank of America Will Make a Contribution to the Rainbow Endowment - at no Additional Cost to You! The Rainbow Endowment is a Grant Making Organization that Funds the GLBT Communit Earn 1 Point for Every Net Retail Dollar and Redeem Your Points for Travel, Merchandise, Gift Certificates, and Cash No Annual Fee Online Account Access, Get Up-To-The-Minute Account Information, Schedule Payments Online, Review Statements and Much More Card Issued by FIA Card Services, N.A. Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating 9.9% / 15.99% 19.99% $0 20 Days (Min.)

6. Wyndham Rewards MasterCard(SM)

Earn 2 Points for Every $1 in Purchases Earn 13 Points for Every $1 Spent for Qualifying TripRewards® Hotel Stays Redeem Your Points for Hotel Stays, Dining, Shopping, and Auto Rentals No Annual Fee 24-Hour Online Access Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating 9.99% / 15.99% 24.99% $0 20 Days (Min.)

7. Bank of America Platinum Plus® Visa® Card

0% Introductory APR on Balance Transfers and Cash Advance Checks No Annual Fee No Balance Transfer Fees for Introductory Rate Get a Response in 60 Seconds Card Issued by FIA Card Services, N.A. Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating As low as Prime + 2.99 *See application for details $0 20 Days (Min.)

8. Home Advantage™ MasterCard® from Bank of America

0% Intro Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks Through Your First Twelve Billing Cycles Earn 1 Point For Every $1 in Net Retail Purchases at All Merchants Redeem Your Points for Cash Back, Travel With no Blackout Dates, Car Rental and Hotel Rewards, Brand Name Merchandise, or Gift Certificates Redeem Your Points as Extra Payments- Every Time You Earn 5,000 Points, You Can Redeem Them for Cash - Which Can be Applied Directly to Your Mortgage No Limit to The Number of Points You Can Earn Each Year Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating 9.99% / 15.99% 24.99% $0 20 Days (Min.)

9. BoatUS™ WorldPoints® Platinum Plus® Visa® Card

Earn 1 Point for Every Net Retail Purchase Dollar Spent and Redeem Your Points for Travel, Merchandise, Gift Certificates, and Cash Access to the MyConcierge(SM) Service, a Unique Personal Assistance Service Absolute Fraud Protection Against Unauthorized Use, Online and Offline No Annual Fee Card Issued by FIA Card Services, N.A. Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating 9.9% / 15.99% 19.99% $0 20 Days (Min.)

10. Bank of America WorldPoints® Platinum Plus® MasterCard®

Earn 1 Point for Every Net Retail Purchase Dollar Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates No Annual Fee Free 24/7 Concierge Service Absolute Fraud Protection Introductory Rate Applies Towards Overall Rating 0% APR for 12 Billing Cycles Balance Transfers Purchase APR Cash APR Annual Fee Grace Period Benefit Rating 9.99% / 15.99% 19.99% $0 20 Days (Min.)