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Brighter Planet™ Visa® Credit Card

Balance Transfer Offer: 0% for 12 billing cycles

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• Automatic point redemptions to help build renewable energy projects
• 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
• Card issued by FIA Card Services, N.A.

• Points are automatically redeemed monthly to help fund community-based renewable energy projects across the United States*
• Earn 1 EarthSmart™ point for every $1 spent in net retail purchases*
• Earn 50% more points with a match by Bank of America through December 2008§
• Earn 1,000 bonus points, which will fund an estimated 1 ton of carbon offsets after your first transaction to offset the creation and delivery of your credit card§§
• Earn 1,000 bonus points, which will fund an estimated 1 ton of carbon offsets for electing paperless statements§§§

You can make a difference. Visit brighterplanet.com to...

• Calculate your carbon footprint
• Learn ways to reduce your environmental impact
• Monitor clean energy projects funded from your card use
• Track your estimated carbon footprint reduction from your use
  of this card

1,000 EarthSmart™ points = an estimated 1 ton of carbon offsets which is roughly equal to...

• Taking one car off the road for an estimated 2,000 miles
• Powering and heating/cooling your home for approximately one month

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APR	9.99%
Annual Fee	$0
Intro APR	0.00% for 12 billing cycles on Balance Transfers
Rewards	Charity
Credit Needed	Good Credit
Approval Rate	Very poor