Subject: Enjoy a Low Rate Balance Transfer

From: "Bank of America"<[email-masked]>
Date: Wed, 09 Mar 2005 14:40:52 -0500 (EST)

Account ending in: 8662 |

Dear DAVID C HARRIS,

You can transfer balances from your high-rate cards to your Bank of America credit card before April 30, 2005 and save a bundle on interest.

Click Here to Receive Your Low Rate Balance Transfer Today

After you enter our secure website, simply type in your information and click “Transfer Balances.” It takes just a few minutes. You may also be eligible for a credit line increase.2

Transfer your balances now. Go to www.easybt.com. It’s the fastest way to start saving money on interest.

But hurry, you must act before April 30, 2005.

Click Here to Receive Your Low Rate Balance Transfer Today

DO NOT REPLY TO THIS POST-ONLY EMAIL, THIS IS NOT A MONITORED BOX. If the above links do not work in your browser, please visit www.easybt.com.

1. The Annual Percentage Rate for Balance Transfers processed online before April 30, 2005 is a variable rate, currently 5.25% as of January 31, 2005 (corresponding to a Daily Periodic Rate of 0.01096%) and shall remain in effect for the life of the transferred balance (providing you do not become subject to the Penalty Rate provision of the Cardholder Agreement). Your APR may vary monthly and is calculated by adding a margin of 0 to the Prime Rate listed in the Wall Street Journal effective on the last day of the prior month.  All other terms of your Cardholder Agreement remain unchanged. By making a balance transfer, you understand that future payments will be applied to promotional offers prior to any existing or new regular balances on the account.

2. To request a credit line increase without a balance transfer or if you do not receive a credit line increase with this offer please contact us at 1.800.732.9194.

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Bank of America E-mail, 6th Floor, 101 North Tryon Street, Charlotte, NC 28255-0001

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