Dear "TyRANTosaur",

Thank you for your inquiry dated 2/16/07 regarding Other. We will be
happy to assist you.

Your concerns are very important to us.

We appreciate you taking the time to submit your comments and
suggestions. Please be aware that we are only providing banking to
legal aliens.

Bank of America prides itself on looking for innovative ways to extend
credit to individuals who have demonstrated sound financial management,
but may be challenged with building credit, such as life-long cash
users, or rebuilding their credit histories.

Like many of our programs, this credit card initiative is meant to
educate existing customers about building a solid credit history. We
use the same criteria to extend credit across our entire customer base.
Customers who sign up for this particular credit card program must meet
the following requirements:

- Have an existing deposit account.
- Have either a Social Security Number, SSN, or proof of United States
government federal taxpayer status, such as a federal government
Taxpayer ID Number, TIN. The USA PATRIOT Act customer ID requirements
are fulfilled for all Bank of America customers.

Given we have 5,700 banking centers throughout the country, this is a
very small pilot that educates and helps existing Hispanic customers
understand how to develop good credit history in 51 Los Angeles banking
centers.

Because you are an important customer to us, we would greatly
appreciate
the opportunity in keeping your account relationship with Bank of
America.

We are committed to keeping your customer information confidential,
safe, and secure while you are using Online Banking. If you are
concerned about the security and confidentiality of your account,
please
send us another message and we will be glad to assist you with any
concerns.

For any further assistance, please contact us at 1.800.432.1000.

We apologize for any inconvenience this may have caused. We value you
as a customer and appreciate your business. If we may be of further
assistance, please contact us again by e-mail. Thank you for choosing
Bank of America.

Sincerely,

Shane Edwards
Bank of America