Link and terms have been updated on 08/12/06



LINK

This limited-time offer for a $50 statement credit applies to any new Charles Schwab Bank Visa� credit card account opened as a result of this offer. To qualify for this offer, you must apply for the Schwab Bank credit card by�September 30, 2006, and your new account must be used to make any purchase or cash advance transaction (including balance transfers, which may include a transaction fee) that posts by�November 15, 2006. Limit one (1) statement credit per person and per account. The Schwab Bank credit card offer is subject to application approval by FIA Card Services, N.A. If you have had an open Schwab Bank credit card account or applied for a Schwab Bank credit card account within the past 180 days, you are not eligible for this offer. After qualifying, a $50 promotional credit will appear on your Schwab Bank credit card statement in 8�12 weeks.

Individualized BankCard services ("IBS"), a division of MBNA America Bank, N.A., is the issuer and administrator of the Charles Schwab Bank Visa credit card. Schwab Bank and MBNA are concerned about your privacy. Please review both of our privacy policies. For more information about the rates, fees, other costs, features and terms of the benefits associated with the use of the Charles Schwab Bank Visa credit card, call IBS toll-free at 866-724-9223; write to P.O. Box 15020, Wilmington, DE 19850; or refer to the disclosures accompanying the online credit card application. Benefit details accompany new account materials.