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Merrill Accolades TM American Express ® Card T R A V E L & R E W A R D S G U I D E SUMMER 2010

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Merrill AccoladesTM American Express® CardT R A V E L & R E W A R D S G U I D E

SUMMER 2010

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The Merrill Accolades™ American Express® Card was designed exclusively forour best clients. This premium credit card offers an unparalleled level ofservice, benefits and rewards—complementing the value your Financial Advisorbrings to you and exemplifying our commitment to helping you achieve the lifeyou always envisioned.

As you’ll see in this summer edition of your Travel & Rewards Guide, theMerrill Accolades American Express Card offers extraordinary travel privilegesand an expansive selection of rewards to choose from when you’re ready toredeem your earned WorldPoints® rewards. You’ll also enjoy everyday savingswith American Express retail offers and the added convenience of premiumconcierge services.

We hope you find this guide to be a valuable resource throughout the restof the year. To learn more about all your Card has to offer, speak with yourMerrill Lynch Financial Advisor.

Life’s rewards await you.

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What’s inside.

Travel Privileges....................1

Rewards ............................21

Plus, you’ll also find:

Retail Offers ......................33

Premium Concierge ............35

Terms & Conditions ............37

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Surround yourself in luxury and save when you take advantage

of your Card’s exclusive hotel privileges. As a Cardmember you

are entitled to a multitude of elite travel privileges. However,

as one of the select few who have the Merrill AccoladesTM

American Express® Card, your hotel privileges are even richer with

these exclusive hotel privileges that are only available to you.

Stay at one of the participating propertiesand as a Cardmember, you’ll receiveprivileges which may include:� Percentage off the Best Available Rate� Room upgrade� Late check-out� And more

Only for Cardmembers.

to elegance at luxury hotels worldwide.

1 Wild Dunes Resort, Charleston, NC – Destination Hotels & Resorts

EXCLUSIVE HOTEL PRIVILEGES

Hotels

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Destination Hotels & ResortsNo matter where your journey takes you within DestinationHotels & Resorts' distinctive collection, you'll find anunparalleled commitment to service, the finest attentionto detail, world-class cuisines and personal touches thatcreate a singular experience unique to each destination.

Stay at any Destination Hotels & Resorts propertyand as a Cardmember, you’ll receive:� 20% off the Best Available Rate� Room upgrade (subject to availability at time of arrival)� Late 2 p.m. check-out (subject to availability)

Would you prefer a complimentary breakfast for two and

a special guest amenity? See page 7 for the Destination

Hotels & Resorts Premium Hotel Privileges offer.

Morgans Hotel GroupMorgans Hotel Group offers stylish boutique hotelsaround the world in Boston, Las Vegas, London, LosAngeles, New York City, Miami and San Francisco.

Stay at any Morgans Hotel Group property and as aCardmember, you’ll receive:� 10% off Best Available Rate� Room upgrade� Late 3 p.m. check-out

BellagioContentment and opulence are the hallmarks of yourBellagio luxury hotel experience. A retreat unto themselves,the 3,933 guest rooms and suites are an extension of theAAA Five Diamond award-winning Las Vegas hotel.

Stay in a Deluxe room at the Bellagio and as aCardmember, you’ll receive:� 10% off Best Available Rate� Complimentary breakfast

Stay in a Suite or Penthouse at the Bellagio and as aCardmember, you’ll receive:� Access to the Executive Suite lounge� Complimentary limousine transportationbetween airport and hotel

� Late 4 p.m. check-out

E X C L U S I V E H O T E L P R I V I L E G E S

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Inn & Spa at Loretto, Santa Fe, NM

Hudson, New York, NY

Bellagio, Las Vegas, NV

Visit preferredoffers.com to learn more or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

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You’ll always be treated as a VIP with the premium hotel privileges program.

Stay at any participating property and as a Cardmember, you’llreceive privileges valued at up to $450, including:� Best Available Rate� Room upgrade (subject to availability)� Daily breakfast for two� Special guest amenity

Browse pages 4 – 10 for a preview to some of the participating hotels, or view and

search the complete selection at preferredoffers.com.

Savings, upgrades and moreat 600 hotels worldwide.

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Anantara Seminyak Resort & Spa, Bali – Global Hotel Alliance

PREMIUM HOTEL PRIVILEGES

Hotels

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M A N D A R I N O R I E N T A L H O T E L G R O U P

New York City, NY

Hong Kong, China

Riviera Maya, Mexico

Bermuda

Mandarin Oriental’s acclaimedcollection of luxury hotels awaitsyou. Perfectly located in the world’smost prestigious destinations,Mandarin Oriental welcomes youwith legendary service and exquisitefacilities, steeped in the values ofthe orient.

Whether you’re longing for theindulgence of a beachside retreat,the bustle of a major metropolis, orthe relaxation of a world-class spa,Mandarin Oriental hotels and resortsoffer the perfect retreat.

Stay at select Mandarin OrientalHotel Group properties and as aCardmember, you’ll receive:� Best Available Rate� Room upgrade (subject toavailability at time of booking)

� Daily breakfast for two� Special guest amenity

Visit preferredoffers.com to find all participating properties or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

P R E M I U M H O T E L P R I V I L E G E S

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Hotels

T H E P A L A Z Z O ® & T H E V E N E T I A N ®

The Palazzo®, an all-suite, five-diamondresort, is Las Vegas’ destination ofstyle and home to the highest caliberimage-makers and rule-breakers—allon the coolest corner of the Las VegasStrip, approximately four miles fromMcCarran Airport. Suites start at 650square feet, nearly twice the size of atypical Las Vegas hotel room.

Just steps away from The Palazzo isThe Venetian®. It’s clear from theminute you arrive that The Venetiantriumphs in recreating the glory ofVenice. With a spectacular setting andexclusive, over-sized all-suites, this isa five-diamond resort destinationwith something extra. Located on theworld-famous Las Vegas Strip, it’sapproximately four miles fromMcCarran Airport.

Stay at The Palazzo or The Venetianand as a Cardmember, you’ll receive:� Best Available Rate� Room upgrade (subject to availability)� Daily breakfast for two� Special guest amenity

P R E M I U M H O T E L P R I V I L E G E S

The Venetian, Las Vegas, NV

The Palazzo,Las Vegas, NV

Visit preferredoffers.com to learn more or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

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T H E R I T Z - C A R L T O N ®

Dove Mountain, AZ

Sanya, China

Lake Tahoe, CA

Half Moon Bay, CA

With more than 73 breathtakingproperties in 25 countries, TheRitz-Carlton sets the standard inelegance for travelers worldwide.They've been perfecting the art ofhospitality and have developed anapproach to luxury that has neverbeen duplicated.

Wherever life's great adventures takeyou—from the inspiring skylines ofgreat cities like Tokyo, Istanbul,Berlin and San Francisco to thewarm, sun-kissed beaches of Sanya,Miami and Mexico—wherever youchoose to stay, you'll experiencetheir unparalleled level of service,designed to make every leg of yourjourney extraordinary.

Stay at any of The Ritz-Carlton’s 73properties worldwide and as aCardmember, you’ll receive:� Best Available Rate� Room upgrade(subject to availability)

� Daily breakfast for two� Special guest amenity

P R E M I U M H O T E L P R I V I L E G E S

Visit preferredoffers.com to find all Ritz-Carlton properties or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

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Hotels

P R E M I U M H O T E L P R I V I L E G E S

Stay at select properties from the collections featured below and as a Cardmember, you’ll receive:

� Best Available Rate � Room upgrade (subject to availability)� Daily breakfast for two � Special guest amenity

Destination Hotels & ResortsWhether you are seeking world-class skiing, championshipgolf, a beach escape, an exclusive spa or the pulse ofthe city, Destination Hotels & Resorts offers a uniquecollection of properties located throughout the UnitedStates in key metropolitan and resort markets.

Would you prefer 20% off the Best Available Rate and a

late check-out? See page 2 for the Destination Hotels

& Resorts Exclusive Hotel Privileges offer.

Fairmont Hotels & ResortsA leader in the global hospitality industry, FairmontHotels & Resorts is an extraordinary collection ofluxury hotels that are one-of-a-kind properties wheresophisticated travelers can discover culturally richexperiences.

InterContinental Hotels GroupInterContinental connects well-traveled guests to what'sspecial about a destination by sharing local knowledge.Guests enjoy authentic experiences that will enrich theirlives and broaden their outlook.

Small Luxury Hotels of the WorldTM

Whether you’re seeking the sedate elegance of acountry house hotel, the pure indulgence of a sparetreat, the tranquility of a private island or the charmof a city sanctuary, guests at Small Luxury Hotelsof the World will encounter only the higheststandards of excellence.

MGM MIRAGETM

MGM MIRAGE, one of the world’s leading and mostrespected companies with significant holdings inhospitality, entertainment and gaming, owns andoperates numerous properties.

Visit preferredoffers.com to find all participating properties or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

The Mirage, Las Vegas, NV

Los Angeles Century City Hotel, CAInterContinental

Casa Bonita, Barahona, Dominican Republic

The Fairmont, San Francisco, CA

Terranea Resort, Rancho Palos Verdes, CADestination Hotels & Resorts

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The Peninsula HotelsPeninsula is a living legend with the name synonymouswith luxury, comfort and impeccable service. ThePeninsula Hotels set their sights high and theirstandards higher, always aiming to delight their guests.

The Preferred Hotel GroupPreferred Hotel Group is a global collection of distinctiveproperties united in their commitment to delighting themost important guest, you. Each one is a sophisticatedexpression of style and anticipatory service, celebratingtheir own individuality while delivering incomparableexperiences to discerning guests.

Raffles Hotels & ResortsRaffles Hotels & Resorts epitomizes enchantingexperiences, embodying global sophistication andresidential charm. The Raffles name spans across theglobe from exotic destinations to vibrant cities. Rated asamong the best in the world, its hotels and resorts areoften described as one of a kind.

Global Hotel AllianceGlobal Hotel Alliance is the world's largest alliance ofindependent hotel groups. Prominent brands, includingAnantara, The Doyle Collection, Kempinski, The Leela,Marco Polo, Pan Pacific and Parkroyal, promise to deliverexceptional service and local experiences around the world.

Swissôtel Hotels & ResortsSwissôtel Hotels & Resorts is a distinctive group ofdeluxe hotels for today’s discerning modern businessand leisure travelers, combining the renowned Swisstouch with a fresh, modern and contemporary design.Each Swissôtel offers personalized service with charmand efficiency.

The HoustonianHotel, Club & SpaA member ofPreferred Hotels& Resorts,Houston, TX

Anantara Seminyak Resort & Spa, Bali

Swissôtel, Sydney, Australia

Raffles Hotel, Singapore

P R E M I U M H O T E L P R I V I L E G E S

Stay at select properties from the collections featured below and as a Cardmember, you’ll receive:

� Best Available Rate � Room upgrade (subject to availability)� Daily breakfast for two � Special guest amenity

The Peninsula, Bangkok,Thailand

Visit preferredoffers.com to find all participating properties or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

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Skiing the Canadian AlpsThe Fairmont Chateau WhistlerHome of the 2010 Winter Olympics alpine ski events,Whistler offers exceptional slopes for skiers andsnowboarders alike. At the Fairmont Chateau, nestledat the base of Blackcomb Mountain, you’ll enjoy theability to ski-in and ski-out from your hotel—no shuttlerequired! You’ll also find a world-class spa andrestaurants waiting to help warm you up on cold winternights. In the summer, you’ll enjoy hiking, mountainbiking and golf. Combining luxury with breath-takingmountain views, the Fairmont Chateau is a year-roundfavorite destination for many travelers.

Golfing in IrelandThe Lodge at Doonbeg Golf ClubSmall Luxury Hotels of the WorldTM

Ireland is home to some of the finest golf courses in theworld. At the Lodge at Doonbeg Golf Club, you’ll enjoyconvenient, on-site access to the legendary Doonbeggolf course, designed by two-time British Open championGreg Norman. Accommodations include luxuriousocean-view suites, as well as charming hillside cottages.Award-winning chef Tom Colicchio, of New York City’sGramercy Tavern and Craft, has applied his culinarystyle and influence to the resort’s many dining menus.Spa options include massage, facials, wellnesstraining and more.

Diving in BermudaThe Mandarin Hotel, Elbow Beach, BermudaBermuda offers some of the best tropical reef diving inthe world. At the Mandarin Hotel, conveniently located inthe heart of Elbow Beach, you’ll enjoy quick access tolocal diving opportunities, as well as unparalleledcomfort and luxury. This secluded resort, occupyingmore than 50 acres of landscaped gardens, is hometo a full-service spa, as well as several restaurantsand bistros. Guest suites include private cottages andfamily-friendly suites.

Walking the Great Wall of ChinaHan’s Royal Garden Hotel BeijingSmall Luxury Hotels of the WorldTM

Built more than 2,000 years ago, the Great Wall of Chinais one of the largest building construction projects evercompleted. At the Han’s Royal Garden Hotel in Beijing,you’ll have an ideal home base for exploring the wall, aswell as the rest of China’s capital city. Once the privatehome of a noble Chinese family, the Han’s Royal GardenHotel combines old-world charm with new-world luxury.Today, the hotel offers both Chinese and Western-stylerestaurants, helping guests from all over the world feelimmediately at home. In addition to top-notch dining,you’ll also find a full-service spa and other five-staramenities onsite.

The world’s most luxurious hotels offer an escape from the ordinary, while providing you a broad range of

choices for unwinding. Whether you’re looking for a romantic weekend destination or a family-friendly

getaway, these unique resorts deliver an unforgettable experience and participate in our Premium Hotel

Privileges program. Remember to take advantage of your Card’s premium hotel privileges when you stay

at one of the participating hotels below by calling 1.866.384.2788 to make your reservations.

The Fairmont Chateau Whistler, Canada

Relax, Refresh, Recharge

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Hotels

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UNITED STATESAtlanta, GAThe Ritz-Carlton, AtlantaTWELVE Centennial Park

Austin, TXThe Driskill® Hotel

Boston, MAFairmont Battery Wharf, BostonInterContinental Boston HotelThe Fairmont Copley Plaza, BostonThe Ritz-Carlton, Boston Common

Charleston, SCWentworth Mansion

Chicago, ILFairmont Chicago, Millennium ParkThe Peninsula ChicagoThe Talbott

Dallas, TXThe Fairmont DallasThe Ritz-Carlton, Dallas

Denver, COThe Inverness Hotel & Conference CenterThe Ritz-Carlton, Denver

Las Vegas, NVARIA Resort & CasinoThe Mirage Hotel & CasinoThe PalazzoThe Venetian

Los Angeles, CAInterContinental Los Angeles Century City HotelTerranea ResortTM

Miami, FLMandarin Oriental, MiamiThe Betsy HotelThe Fairmont Turnberry Isle Resort & ClubThe Ritz-Carlton, Coconut Grove

New York, NYInterContinental The Barclay New York HotelMandarin Oriental, New YorkThe Inn at Irving PlaceThe IroquoisThe Peninsula New YorkThe Plaza, A Fairmont Managed HotelThe Ritz-Carlton New York, Battery ParkThe Ritz-Carlton New York, Central Park

Phoenix, AZRoyal Palms Resort & SpaThe Ritz-Carlton, Phoenix

San Francisco, CAFairmont Heritage Place, Ghirardelli SquareThe Fairmont San FranciscoThe Ritz-Carlton, San Francisco

Seattle, WAThe Fairmont Olympic Hotel

Washington, DCMandarin Oriental, Washington, DCThe Fairmont Washington, DCThe Ritz-Carlton, Georgetown

ARGENTINABuenos AiresCasaSur Art Hotel

CANADAAlbertaThe Fairmont Banff SpringsThe Fairmont Chateau Lake LouiseThe Fairmont Jasper Park Lodge

British ColumbiaPan Pacific VancouverThe Fairmont Chateau Whistler

OntarioFairmont Château LaurierInterContinental Toronto YorkvilleSoho Metropolitan Hotel

QuebecFairmont Le Château FrontenacFairmont Le Château MontebelloFairmont Le Manoir RichelieuFairmont The Queen ElizabethFairmont Tremblant

CARIBBEANArubaCunucu Arubiano

BarbadosCoral Reef ClubThe Fairmont Royal PavilionThe Sandpiper

BermudaElbow Beach, BermudaPink Beach ClubThe Fairmont Hamilton PrincessThe Fairmont Southampton

CHINAHong KongMandarin Oriental, Hong KongMarco Polo GatewayMarco Polo Hongkong HotelMarco Polo PrinceThe Excelsior, Hong KongThe Landmark Mandarin Oriental, Hong KongThe Peninsula Hong Kong

ShanghaiSwissôtel Shanghai

DOMINICAN REPUBLICPunta CanaSivory Punta Cana

FRANCEParisHotel De VendômeHotel San RegisHotel SquareHotel VernetLe BellechasseLes Jardins de la VillaL'HotelPavillon de la ReineRelais ChristineSaint James Paris

GREECESantoriniCarpe DiemChromataCosmopolitan SuitesSan Antonio

MEXICOAcapulcoThe Fairmont Acapulco PrincessThe Fairmont Pierre Marques

CancunThe Ritz-Carlton, Cancun

Riviera MayaFairmont Mayakoba, Riviera Maya

Playa del CarmenEsencia Hotel

SINGAPORESingaporeRaffles Hotel Singapore

Properties may change throughout the year. For a comprehensive list of current participating properties, visit preferredoffers.com.

P R E M I U M H O T E L P R I V I L E G E S

Stay at any participating property (including those listed below) and as a Cardmember, you’ll receive:

� Best Available Rate � Room upgrade (subject to availability)� Daily breakfast for two � Special guest amenity

Visit preferredoffers.com to find all participating properties or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

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Vacation Packages

the world withour vacation packages.

VACATION PACKAGES

Enjoy exclusive benefits and savings with our

vacation packages that change throughout

the year. Visit preferredoffers.com to browse

the current selection.

Reserve a vacation package and asa Cardmember, you’ll receive:� Exclusive packages with up to$250 in complimentary benefits

� $100 off your vacation

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Visit preferredoffers.com to view the current vacation packages or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

Visit preferredoffers.com throughoutthe year for exclusive packageswhich may include up to $250 in

valuable benefits such as:� Complimentary night stay� Room upgrade� Daily breakfast� Resort credit

ComplimentaryBenefits

Reserve your airline and hotelvacation package of five ormore nights online and as aCardmember, you’ll receive:

� $100 off your vacation

Dollars OffYour Vacation

V A C A T I O N P A C K A G E S A V I N G S

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Cruises

on a luxury cruise for theultimate in relaxationand adventure. CRUISES

As a Cardmember, you’ll enjoy extraordinary

savings on any Norwegian Cruise Line and

Regent Seven Seas Cruises sailing

booked in 2010.

� Complimentary shipboardcredit up to $500 withNorwegian Cruise Line

� Complimentary airfare andunlimited shore excursions withRegent Seven Seas Cruises

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Norwegian Epic sailing theCaribbean from Miami7-Day Eastern Caribbean ports of call:Miami, Florida; Philipsburg, St. Maarten;St. Thomas, U.S. Virgin Islands;Nassau, Bahamas7-Day Western Caribbean ports of call:Miami, Florida; Costa Maya, Mexico;Roatan, Honduras; Cozumel, Mexico

Norwegian Pearl sailing to Alaskafrom Vancouver and SeattleAlthough the ports of call will varybased on the itinerary, some include:Vancouver, Canada; Juneau,Skagway; Ketchikan, Alaska

Norwegian Jade sailing theMediterranean on itinerariesranging from 6 to 21 daysAlthough the ports of call will varybased on the itinerary, some include:Barcelona, Spain; Monte Carlo,Monaco; Florence, Italy; Rome, Italy;Venice, Italy; Santorini, Greece andmany more

You’re entitled to up to $500 in shipboard credits on any 5-day or longer Norwegian Cruise Line sailing when youbook a suite or villa at least nine months prior to your sailing date. Below are a few cruises that may interest you.

Norwegian Cruise Line’s exclusiveFreestyle Cruising®offers you the freedomand flexibility to enjoy your vacation onyour own terms. You’re free to dine when,where and with whom you want. Free todress the way you like. And free to sleepall day and play all night. We offer you asmany as 20 dining options on our ships,world-class entertainment and new,exciting activities. And that’s just thebeginning. Our Suites, Villas & Morecollection offers you choices you’ve neverseen at sea before. Prepare yourself forpampering service, walls of windowsoffering amazing ocean views, privatebalconies, luxurious linens, complimentaryamenities, and a butler and concierge tocater to your every whim.

Book a suite or villa on any 5-day orlonger sailing booked at least ninemonths prior to your sailing date and asa Cardmember, you’ll receive:� Up to $500 in shipboard credits(per stateroom)

N O R W E G I A N C R U I S E L I N E

Visit preferredoffers.com to view all Norwegian Cruise Line sailingsor call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

Blue Man GroupPhoto by James Porto.

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Cruises

12-Night Mediterranean MedleySeven Seas Mariner sailingOctober 9 – 21, 2010Ports of call: Rome, Florence/Pisa,Sardinia (Olbia), Sorrento, Trapani, LaGoulette, Valletta, Santorini, Ephesus(Kusadasi), Mykonos, Istanbul

15-Night Transatlantic CrossingSeven Seas Voyager sailingNovember 8 – 23, 2010Ports of call: Barcelona, Valencia,Cartagena, Malaga (Granada), Funchal,Hamilton, Ft. Lauderdale

22-Night Land of the Dragon & VietnamSeven Seas Navigator sailingOctober 4 – 26, 2010Beijing (Tianjin), Dalian, Shanghai,Okinawa (Naha), Taipei (Keelung),Hong Kong, Halong Bay, Da Nang,Ho Chi Minh City (Saigon), Bangkok(Laem Chagang)

You’re entitled to $200 in shipboard credits, complimentary round-trip airfare and unlimited shore excursions onany Regent Seven Seas Cruises sailing. Below are a few cruises that may interest you.

Regent Seven Seas Cruises offerthe most inclusive luxury cruiseexperience and voyages of explorationand discovery to over 300 ports onsix continents. The luxury vessels aredesigned for guests numbering in thehundreds rather than the thousands.The ambiance onboard is personal,individual, accommodating—"TheRegent Experience." And all shipsshare certain distinctions inaccommodations, service, diningand amenities that elevate themto the lofty vantage point of anenviable six stars.

Cruise on any 2010 sailing ofseven nights or longer and as aCardmember, you’ll receive:� $200 in shipboard credits(per suite)

� Complimentary round-trip airfare� Unlimited shore excursions

R E G E N T S E V E N S E A S C R U I S E S

Visit preferredoffers.com to view all Regent Seven Seas Cruisessailings or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

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With just three ships, Regent Seven Seas Cruises catersto highly discriminating travelers. Each vessel in thefleet carries a small, select group of guests, ensuring ahigher level of personal service than most ocean linerstoday. When traveling on a Regent Seven Seas Cruisesship, you can get away from the crowds and relax in aluxurious exclusive setting. What’s more, all food, wine,spirits, excursions and airfare are included in the cruisefare, making it easier to enjoy your trip.

Six-star luxury shipsOur world-class fleet includes the Seven Seas Voyager,Seven Seas Mariner and Seven Seas Navigator.Accommodations are all suites, with 97% of state roomsboasting private balconies. Being mid-size, with spacefor only 490 or 700 pampered guests, our ships offerideal settings for impeccable personalized service,remarkable dining and generous included amenities.Gourmet restaurants include the iconic new steakhousePrime 7, Signatures, Compass Rose, La Veranda plusthe al fresco Pool Grill. Penthouse suites and higheroffer butler service, including complimentary in-suite barsetup. All guests enjoy complimentary 24-hour roomservice and our luxurious Canyon Ranch SpaClub®.

Inclusion vacationsWhen you’re on vacation, you can leave all the detailsto Regent Seven Seas Cruises. Your cruise farefee includes:

� 2-for-1 fares plus additional bonus savings of upto $1,000

� Roundtrip airfare� Unlimited shore excursions� All beverages including fine wines, beer and premiumspirits, soft drinks, bottled water, specialty coffeesand tea served throughout the ship

� All staff gratuities

Relaxed, but elegant, travelingFor shorter trips, you’ll enjoy our upscale yet casualdress code in all dining rooms. Formal and semi-formalattire are optional only on sailings of 16 nights or longer.With wireless Internet access throughout the ship, youcan tune-in or tune-out from the world whenever you like.And with interactive flat screen television with extensivemedia library and complimentary movies on demand,you’ll enjoy world-class entertainment on your ownschedule. To enhance your time ashore, and to maximizethe value of our cruises, we offer a remarkable variety ofunlimited shore excursions already included in the fare.Unlimited means that you can take as many excursionsin a day as you like. With Regent Seven Seas Cruises,you can travel in luxury, convenience and style.

To learn more, contact your concierge at

1.866.384.2788 and ask about Regent Seven Seas

Cruises sailings.

Regent Seven Seas Cruises—Exceeding Expectations, Redefining Luxury

16

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17

AIR TRAVEL

Air Travel

the open skies.

Fly for less with our specialair travel offers.

� 10% off Virgin Atlantic Airways� $50,000 off Sentient JetMembership & $1,500 incomplimentary flight time

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Virgin Atlantic AirwaysVirgin Atlantic Airways brings you an unforgettabletravel experience at an exceptional value when youfly to London and destinations in Africa, Middle Eastand Asia. Virgin Atlantic’s Premium Economy puts anemphasis on the premium where you get so much morefor just a little more.

Stretch out and work or relax and recline in your cushyleather seat which offers more legroom and personalspace. Meanwhile, you will enjoy premium services like acomplimentary glass of pre-flight bubbly, meals served onreal china with after-dinner liqueur, laptop power on flightsto Heathrow, 300+ hours of on-demand entertainment anddedicated check-in with priority boarding, disembarkationand baggage claim.

Fly Premium Economy on Virgin Atlantic Airwaysand as a Cardmember, you’ll receive:� 10% off published fares on all routes worldwide

Sentient JetSentient Jet Membership offers flexibility, service andsafety. Members choose the size and category of jet foreach trip—and enjoy guaranteed availability with as littleas 10 hours notice and fixed hourly rates, as well asaccess to world-class jets through a carefully selectednetwork of certified operators. Funds on deposit arerefundable and never expire.

Become a Sentient Jet Member and as a Cardmember,you’ll receive:

� $50,000 reduction off the Membership deposit

� Complimentary $1,500 flight time credit to usetowards future flight hours

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Visit preferredoffers.com to find all air travel offers or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

Virgin Atlantic Airways Premium Economy Cabin

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19

Car Rentals

the open road.

CAR RENTALS

Access Cardmember savings whenyou reserve your next car rental.

Book with one of ourparticipating partners andas a Cardmember, you’llreceive privileges such as:� Complimentary weekendday rentals

� Up to 25% off selectbookings

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Enterprise Rent-A-CarFounded in 1957, EnterpriseRent-A-Car has grown to become aninternationally recognized brandoperating more than 700,000vehicles and a network of over 6,000neighborhood and airport branchlocations throughout the United States.

Enterprise has grown to be thelargest by focusing on being the best,and is known for its award-winningcustomer service. So whatever yourneed for a rental car may be, pickEnterprise. We’ll Pick You Up.

Reserve a full-size car or smallerin the United States and as aCardmember, you’ll receive:� Complimentary weekend day

Alamo Rent A CarAlamo Rent A Car is one of theU.S.’s largest rental car companiesthat services the most populardomestic and international traveldestinations. Alamo is dedicated tomeeting your needs with services,such as one-way rentals, GPS units,car seat rentals, 24-hour roadsideassistance and unlimited mileage.

Reserve your car rental in the U.S.or Latin America and as aCardmember, you’ll receive:� Up to 25% off the American Expressrate or the Best Available Rate atthe time of booking

� $15 off qualifying rentals

Reserve your car rental inCanada and receive:� Up to 25% off the American Expressrate or the Best Available Rate atthe time of booking

National Car RentalNational Car Rental is a leading carrental company for business andfrequent leisure travelers. AllNational locations offer GPSnavigation devices and childrestraint seats for a daily rental fee.Other optional equipment availablefor rental may include: Luggageracks, ski racks and tire chains.For disabled renters, National offershand controls for both right-handedand left-handed configurations.

Reserve your compact throughfull-size car rental in the U.S. orCanada and as a Cardmember,you’ll receive:� Up to 25% off the AmericanExpress rate or the Best AvailableRate at the time of booking

� Complimentary weekend day

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Visit preferredoffers.com to learn more or call 1.866.384.2788 to make your reservations.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

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Rewards

REWARDS

Reward yourself or someone youlove when you redeem yourearned points for CardmemberWorldPoints® rewards.

Shop with your points and asa Cardmember, you canredeem for:� Merchandise and gift cards� Ultimate Access® rewards� FlexAir� Cash

21

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Redeem your earned points.As a Cardmember, you enjoy automatic membership in the WorldPoints®rewards program,

where you receive one WorldPoint rewards point for every dollar in net retail purchases

you charge on your Card. Every purchase earns you points redeemable for a rich selection

of rewards, including merchandise and gift cards, unique experiences, air travel and cash.

Rew

ards

22

Merchandise and Gift CardsChoose from hundreds of gift cards from leadingretailers and products from some of the finest names inhome furnishings, high-tech electronics, jewelry, sportinggoods, computer games and toys, fashion, appliances,and more.

Ultimate Access®RewardsEnjoy something uncommon, unconventional andunexpected. Reward the sports fan in you with abasketball skills session by a Boston Celtics pro ordine out with player Brian Scalabrine. Pamperyourself with a personal shopping experience includinga style consultation with Kate Shifrin, a winemakingexperience at a Franciscan Winery or a VIP experienceat the Wynn Las Vegas.

FlexAirFly anywhere in the world, any time you choose. Thereare no blackout dates, so you can travel during peakperiods, including weekends and holidays. WithFlexAir Rewards, air redemptions start at only 15,000WorldPoints®rewards points and you have the flexibilityto use points and cash to redeem for the flight of yourchoice. With travel rewards you can also redeem yourpoints toward car rentals, cruises and over 60,000hotels and resorts worldwide.

CashFor even greater flexibility, redeem your points for cash,which you can use as a gift for a family member, adonation to a favorite charity or a treat for yourself.

To learn more or browse all the available redemption opportunities,visit bankofamerica.com/accoladesrewards.

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23 Call 1.888.382.5712 to redeem your points for rewards.

Top Picks

Choose from thousands of products and gift cards.Select from the following pages or view the complete selectionat bankofamerica.com/accoladesrewards.

DYSON®DC24 BALLTM VACUUM

From a leading industry innovator,this ultra lightweight and compactupright vacuum features RootCycloneTM technology for clog-freesuction and BallTM technology forsmooth steering. Effective on allfloor types, with motorized brushbar and reversible wand.Includes collapsible handlefor easy storage. Five-yearmanufacturer’s warrantyavailable.

53,000 PTS

SONY®READER POCKETEDITION WITH CASE

Reader Pocket Edition electronic book is easyto slip into a purse or a pocket for on-the-goreading. And the paper-like EInk display makesthe reading experience even more intuitive,with 3 adjustable font sizes and quick pageadvances. Carry up to 350 of your favoritebooks at a time, with support for both ePuband PDF formats. Features a 5" display,left- and right-handed navigation buttons,rechargeable lithium-ion battery. Color:silver. Weight: 7.76 oz. Dimensions: 6.2" L x4.2" W x 0.2" D. Includes USB cable andcustom-designed cover with built-in light.

39,300 PTSTREK®RECREATIONAL HYBRID

Men’s Recreational Hybrid with upright riding position that’s easy on your backand the suspension fork and seatpost keeps things smooth when the roadsget rough. Features Alpha Aluminum frame, RST CT-COM front suspension,Alloy hubs, Matrix 550 alloy rims, Bontrager Invert 700x35c tires, SRAM 3.0Plus, 7 speed shifters, Shimano C102 front derailleur, SRAM ESP 3.0 rearderailleur, SR NEX200 48/38/28 with chainguard crank, Bontrager Suburbiasaddle, and Tektro V with Tektro alloy levers/Kraton inserts/bell brakes. Onceyou place your order, you will receive a letter from Zane's cycles that will startthe process to custom fit your bicycle.

62,750 PTS

9" PORTABLE DVD PLAYER WITH iPOD DOCK

iLUV “9 inch Portable Multimedia Player withiPod Dock” MPEG-4 Certified to pay MPEG-4Videos. Compact and light-weight portable DVDPlayer with iPod dock. Play back from DVD oryour iPod video through the 9" widescreen(16:9 aspect ratio) LCD display. Watch yourfavorite video on TV through Video output.Built-in powerful stereo speakers. Enhanceduser interface with detailed controls andgraphics based display. Supports 3-way powersources. AC Power Adapter. Car Adapter.Built-in Li-Polymer Rechargeable Battery.

34,850 PTS

HOT!

APPLE®MACBOOK®

MacBook notebook computer has been redesignedwith a recyclable polycarbonate enclosure. Laptopfeatures an INTEL Core 2 Duo 2.26GHz processor,2GB DDR RAM, 250GB hard drive, 8x DVD+/-RWdrive, built-in wireless network interfaces, Bluetooth,a 13.3" widescreen display, built-in stereo speakers,built-in iSight camera and microphone. Mac OS Xv10.6 Snow Leopard operating system.

163,350 PTS

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Rew

ards

24Visit bankofamerica.com/accoladesrewards to browse the complete selection.

BOSE®QUIETCOMFORT®15 HEADPHONES

The quietest headphones ever from Bose®withacclaimed audio performance and an even morecomfortable fit. Fold-flat design and slim carryingcase. AAA battery included.

42,800 PTS

GARMIN®4.8"WULTRA THIN GPS NAVIGATOR

You will never be lost again thanks tothis ultra-thin GPS navigator fromGarmin. It includes turn-by-turn directionswith spoken street names; easy-to-use,touch-screen interface; preloaded CityNavigator North America NT; FM trafficreceiver: bright 4.3" diagonal colordisplay; and ecoRoute, which offerssuggestions for fuel-efficient navigation.

43,650 PTS

APPLE®iPOD®TOUCH

The newest 32GB iPod®Touch holds up to 7,000songs, 40,000 photos or 40 hours of video—andthe 64GB iPod Touch holds up to 14,000 songs,80,000 photos or 80 hours of video. Enjoy movies,TV shows or surf the Web with the built-in Wi-Fi onthe crystal clear 3.5" display. Features Bluetoothand Nike+iPod®support and includes earphonesand USB cable.

32 GB 46,650 PTS64 GB 61,700 PTS

HOT!

HOT!

BOSE®WAVE®MUSIC SYSTEM

The original Wave®radio woke up an industry with sound no one expected fromsomething so small. And now, the Bose Wave®music system sets a new standardfor performance, simplicity and elegance. The music extends one-half octave lower,and has even greater clarity and definition. The simplicity and elegance arehighlighted by the absence of buttons- it is completely and conveniently controlled bythe small remote control. You can even play MP3 CDs as well as conventional CDs.Color shown: Graphite Grey.

TITANIUM SILVER 67,100 PTSGRAPHITE GREY 67,100 PTSPLATINUM WHITE 67,100 PTS

CUISINART®7-CUP FOOD PROCESSOR

The Pro Classic™ Food Processor makesall your favorites, from stir-fries and maincourse salads, to peanut butter andhome-made bread. It can knead 2 lbs. ofwhite bread dough, mix batter and chopup to 1 1/4 lbs. of poultry. The wide-mouthfeed tube means you can add fruits andvegetables without pre-cutting and thehandled work bowl allows for easy liftingand pouring.

19,400 PTS

HOT!

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25 Call 1.888.382.5712 to redeem your points for rewards.

Cameras & Camcorders

SONY®ULTRA-COMPACT CAMCORDER

Ultra-compact camcorder features 16GB ofembedded flash memory, which can recordup to 12 hours of video. Also featuresa built-in LED video light, as well as aprofessional-quality Carl Zeiss Vario-Tessarlens. The powerful 60x optical zoom letsyou capture extremely tight shots—evenfrom far away. Zoom (60x Optical, 2000xDigital). 2.7" LCD display. Dolby Digitalstereo recording with Built-in Zoom Mic.Media Card Slot for storage. Includesrechargeable battery, charger and cables.

93,850 PTS

RCA HD SMALL WONDERCAMCORDER

Capture memories in stunning highdefinition 1080p resolution at 60frames per second. The Camcorderfeatures a 2" flip-out color LCDdisplay for self recording. Capturestill images at 10 megapixelresolution and record on the256MB internal memory or expandyour storage via the micro SD slotcapable of expanding memory upto 16GB (up to 49 hours).

18,550 PTS

CANON DUAL FLASH MEMORYCAMCORDER

Light, compact and user-friendly,this Canon Flash Memory camcorderbrings you stunning videos enablingyou to record to both the camcorder’s8GB internal flash drive and aremovable SD memory card. Itnot only extends the recordingspace available, but also gives youadded flexibility in file transfer andplayback. You’ll have a chance tocatch even more of your life’sspecial moments.

83,550 PTS

OLYMPUS®12MP DIGITAL CAMERA

A perfect gift and an outstanding value. Ithas all the technology, 12 megapixel CCDfor great images and movie recording withsound along with in-camera Creative ArtFilters to have a great time taking photosand sharing them with their friends. WithDigital Image Stabilization capture sharp,blur free images even when your subjectsare on the move.

15,150 PTS

CANON FLASH MEMORYCAMCORDER

You’ll find that high definition videohas hit new levels of convenience,ease, performance and value with thisCanon Camcorder. It records to SDmemory cards and features SmartAuto mode. A HD video lens andDynamic IS work together withCanon’s sophisticated Canon HDimage processing to deliver thesharp, vivid, lifelike video you wantto see on your HDTV.

76,150 PTS

HOT!

SONY®POCKETABLE BLOGGIE HD CAMERA

When fun happens, the bloggie camera records it all.You can capture HD MP4 video and 5MP images withouteffort. Swing out the built-in USB arm and connectyour camera directly to your compatible PC or Mac.It features a unique swivel lens which rotates up to270 degrees, making it easy to self-record a video clip.

30,250 PTS

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Rew

ards

26Visit bankofamerica.com/accoladesrewards to browse the complete selection.

APPLE®iPOD®CLASSIC (160GB)

iPod catches your eye with a sleek, all-metalenclosure composed of anodized aluminum andpolished stainless steel. Genius feature createsan on-the-fly playlist of tracks in your library thatgo great with the song you’re listening to andCover Flow lets you flip through your music byalbum artwork. It holds up to 40,000 songs,25,000 photos or 200 hours of video.

SILVER 38,950 PTSBLACK 38,950 PTS BOSE®SOUNDDOCK®SERIES II DIGITAL MUSIC SYSTEM

Bose®SoundDock®Series II Digital Music System’s uniquecombination of small size and powerful performance is theresult of our commitment to research and exclusive Bose®technologies. The system includes a remote that controlsthe basic functions of your iPhone™ or iPod®and evenswitches back and forth between playlists. It also includesan auxiliary input that lets you easily connect other audiodevices. Experience it for yourself. And hear a performanceonly Bose can deliver.

41,200 PTS

BOSE®SOUNDLINK™ WIRELESS MUSIC SYSTEM

Bring music from a computer to life with Bose®quality soundthroughout the home. Setup is easy. No software to install.Just plug the SoundLinkTM USB key into the computer and listento iTunes, Pandora®, Internet radio and more. Rechargeablelithium-ion battery provides hours of listening. Includesconvenient remote.

74,000 PTS

BOSE®QUIETCOMFORT®3

QuietComfort 3®Acoustic Noise Cancelling Headphones deliver acclaimedBose®performance in a smaller, lighter on-ear design that delivers anunmatched combination of noise reduction, audio performance andcomfortable fit. Just slip them on and experience the difference ourproprietary technologies make. Enjoy full-spectrum noise reduction thatfades background distractions. Rich, clear audio that reveals nuances youmight have missed. And a compact, lightweight, easy fit for hours ofcomfortable listening.

49,100 PTS

NEW! NEW!

NEW!

BOSE®SOUNDDOCK®10 DIGITAL MUSIC SYSTEM

The best-performing SoundDock system. Just place an iPod®or iPhoneTM

into the dock and play. Listen to other devices through the aux input, orplay content from an iPod®or iPhoneTM on a TV through the video output.iPod®or iPhoneTM charges while playing. Convenient remote operatesbasic functions and playlist navigation.

81,950 PTS

BOSE®CINEMATE®SERIES IIHOME THEATER

Bring Bose®performance with yourHDTV—with two speaker arrays and ahideaway Acoustimass®module. Controlthe power and volume with the sleekremote. Proprietary TrueSpace®technology delivers sound that seems tosurround you. Digital input ensures thebest audio from your TV, with deep lownotes. Easily connects directly to your TV.

82,550 PTS

Electronics

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27 Call 1.888.382.5712 to redeem your points for rewards.

Home Essentials

KITCHENAID®CLASSICSTAND MIXER

This tilt-head stand mixer deliversthe power and durability to mixheavy batches. 10-speed slidecontrol ranges from fast whip toslow stir and c-dough hook kneadsyeast dough for bread and pizzarecipes. Includes flat beater,c-dough hook, 4 1/2 qt. brushedstainless steel bowl and awire whip.

33,950 PTS

CALPHALON®TRI-PLY STAINLESS 13-PIECE COOKWARE SET

Calphalon brings you true cooking performance with an aluminum coreat the heart of every pan. Heavy gauge conductive aluminum is bondedbetween two layers of 18/10 stainless steel to form a three-ply disk thatensures quick and even cooking throughout—no hot spots! This 13-pieceset offers you every pan you need for almost any cooking chore.

51,350 PTS

BREVILLE®DIE-CASTPROGRAMMABLEESPRESSO MACHINE

Home espresso should be easyand exact. For the novice or theseasoned expert, Brevilleespresso machines deliver acafé-quality experience in yourkitchen. Breville espressomachine extracts the perfectvolume of coffee at the touchof a button. Choose from AutoShot, Custom Shot, or ManualShot with instant hot waterwand, and swivel steam wandand froth enhancer.

48,050 PTS

KITCHENAID®PROFESSIONAL600TM STAND MIXER

The overachiever of the standmixer family, the KitchenAidProfessional 600 series has aflour power rating of 14 cups.That means it can mix enoughdough for 8 loaves of bread or13 dozen cookies in a singlebowl. All you have to do is hopethey're hungry. Commercial-stylemotor protection ensures motorlongevity.

56,700 PTS

CALPHALON®21-PIECECONTEMPORARYCUTLERY SET

Calphalon’s cutlery setfeatures ergonomic griphandles and high-carbonno-stain German steelblades. The blade, bolsterand tang are forged in onepiece for long-lastingdurability and hand-groundfor a perfect edge andfine satin finish. Includes

all preparation knives you need to create any dish plus eightsteak knives and solid wood block.

36,650 PTS

JACK LALANNE'S POWERJUICER™ DELUXE

Unlock the power of juicing withJack Lalanne’s Power Juicer. Theamazing commercial quality juicermakes the fastest and healthiestfresh squeezed juice. The highoutput motor and surgicalstainless steel blade providemaximum performance, allowingyou to juice every part of yourfruits and vegetables. And with

the extra large chute, fruitsand vegetables go ineasily so you can enjoyfresh squeezed juiceanytime. Start enjoying

the benefits of juicing today!

29,900 PTS

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Rew

ards

28Visit bankofamerica.com/accoladesrewards to browse the complete selection.

SHOP VAC WET/DRY VACUUM

The Shop-Vac wet/dry vacuum is idealfor the workshop, garage, auto, andhome. This 14-gallon unit has apowerful 5.5 HP motor with a portable2.5 gallon vacuum that rides inside acradle in the 14-gallon tank. Use thissmall vacuum for cleaning cars, stairsand small spills and the 18’ powercord lets you cover a wide area withoutthe use of an extension cord.21,000 PTS

IROBOT®ROOMBATM

440 VACUUM CLEANING ROBOT

iRobot cleans routinely—so youdon’t have to. Powerful vacuum andcounter-rotating brushes reach deepinto your carpet to remove dirt, dustand pet hair. Efficiently cleans thewhole floor, under and around furnitureand along walls. Roomba sensesdirtier areas and cleans morethoroughly in those spots. Simple touse—just press the “clean” buttonand Roomba does the rest.

23,700 PTS

HOT!

DYSON®D14 ALLFLOORS VACUUM

The DC14 bag-less vacuumcleaner has it all—instant stairand high-reach cleaning, thelifetime BAF-approved HEPAfiltration for allergy sufferers andbrush control. Easily clean stairsor hard-to-reach areas with thequick release wand. Empty thevacuum quickly and hygienicallywith a touch of a button.Includes five-year manufacturer’swarranty.

53,000 PTS

HOT!

ORECK®XL CLASSICUPRIGHT VACUUM

Oreck hotel upright vacuumcleaner lifts matted carpetwith dual-row helix-patternbrushes rotating at 6,500 RPMfor a professionally finishedlook and MicroSweep enablesit to move easily fromcarpet to bare floors withno adjustment. Also featuresDual Edge side brushes forcleaning along baseboards,easy-on disposable bagattachment dock andtop-fill design.

34,300 PTS

HOMEDICS®ILLUMINATEDRELAXATION FOUNTAIN

EnviraScape Illuminated RockGarden Relaxation Fountainfeatures special effectslighting to illuminate thefountain. Helps you relaxby turning any room into aprivate sanctuary. Improvesconcentration by maskingdistractions, genuinepolished river rocksincluded. Includes fivereplacement bulbs.

8,000 PTS

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29 Call 1.888.382.5712 to redeem your points for rewards.

Golf & Fitness

CALLAWAY®DIABLOEDGE DRIVER

Designed to give golfers adistance advantage everytime they tee it up.Offering superior facetechnology, a higherMOI, a deeper CG,better aerodynamics alladds up to the longest,most accurate all-titaniumdriver Callaway hasever made.

37,550 PTS

ODYSSEY®WHITE ICE2-BALL PUTTERMulti-layer insert has beenfine-tuned to enhance sound,responsiveness, resiliencyand consistency. The innercore is 19.6% firmer toenhance feel and 92% stifferfor resiliency, leading toconsistent distance control.Extended mallet headwith double-bend shaft,full-shaft offset.

24,650 PTS

CALLAWAY®X-22IRONS 8 CLUBSET STEEL SHAFTS

X-Series Irons has alwaysbeen lofty: Set theperformance standard forthe industry. They havedone it again with theX-22 Irons, the bestX-Series Irons ever made.

93,450 PTS

CALLAWAY®UPRO GO

uPro Go is a full-color Golf GPS device that ispre-loaded with thousands of courses acrossthe U.S. and Canada. The Virtual Green Viewfeature in GoMode uses a proprietary imageryprocess that shows the green and itssurrounding area in vivid detail with precisedistances. AnyPoint technology allows you tomeasure to any point on and around thegreen. Accessing the GoMode requires aonetime activation fee, while the BasicModefeatures of Green View and Hazard View areincluded with the purchase of the device.

37,000 PTS

CALLAWAY®UPRO GOLFGPS RANGE FINDER

uPro unit utilizes state-of-the-arttechnology with GPS, Aerial, satellitephotography of thousands of golf coursesto display golf course hazards and multipleviewpoints of the fairway and accuratelygenerates distance markers. With easy-to-use features and no additional drivers orsoftware to install, the uPro is the perfecttool to improve your golf game.

49,400 PTS

NEW!

NEW!

Redeem & Receive AComplimentary Golf ClubConsultationWhen you redeem for any of the golf clubs on this page,you’ll receive a certificate for a complimentary phoneconsultation with a golf expert who can help you selectyour club’s specifications. Once selected, your custom-fitted club will be shipped directly to you.

PRO-FORM 570 CROSSWALK®TREADMILL

Quick workout control. Clearview blue display. Matrix display. 15 presetworkouts, including 3 crosswalk workouts. Priority display. Coolaireworkout fan. EKG grip pulse. Intensity control. Digital QuickSpeedcontrol up to 1-10 mph. Walking surface 20" x 55".SpaceSaver design. 300 lb. user capacity.Upper-Body Arms Burn up to 50% morecalories and improve total-bodyconditioning by combining thispatented, upper-body exercisewith a traditional cardio workout.

86,650 PTS

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Rew

ards

30Visit bankofamerica.com/accoladesrewards to browse the complete selection.

Additional Merchandise

Under 20,000 pointsPOINTS

Eco-Club®5 Reusable Shopping Totes 1,900

Apollo Tools Precision Mr. 7 Hands 3,300

Pexagon 4GB Personalized USB Drive 3,900

Cosco Pronto Belt-Positioning Booster Car Seat 5,950

RCA 1GB Digital Voice Recorder 6,200

Cuisinart®Green GourmetTM 10-Inch Open Skillet 6,350

Wilson®Badminton Tour Kit 6,550

Rachel RayTMBubble & Brown Oval Stoneware Set 6,660

SHARPER IMAGE®Sound Soother with 20 Sounds 7,200

Titleist Pro V1®Golf Balls 7,950

H715 Motorola Bluetooth Headset 8,500

Capresso H20 Plus Glass Water Kettle 9,400

Skil 18-Volt Single Speed Drill Driver 10,450

Aurora 10-Sheet X-Cut Shredder 10,850

ClubChamp®Drink CaddieTM 11,600

SHARPER IMAGE®Jewelry Cleaner 11,900

Bose®Mobile In-Ear Headset 16,500

Callaway®X-Series Jaws Wedge-Steel Shaft* 17,050

RCA HD Small Wonder Camcorder 18,550

20,000 to 39,999 pointsPOINTS

Calphalon®8-Piece Non-Stick Cookware Set 21,300

Bushnell®7 x 50 Marine Binoculars with Compass 22,200

Audiovox®9" Undercounter LCD TV with DVD 33,200

Cuisinart®Green GourmetTM 12-Piece Cookware Set 33,450

Hartmann®22" Duffel with Pouch – Metropolitan 34,100

Callaway®Golf Rangefinder – Yellow 35,850

iHome®iPhoneTM/iPod®Speaker System 36,850

Milwaukee Tools®Two Tool Combo Kit 37,150

40,000 to 59,000 pointsPOINTS

Sony Reader Touch Edition 41,950

Garmin®5"W GPS Navigator 47,700

Stamina®ATS Air Rower 47,900

TomTom Bluetooth®GPS 49,200

Samsung®DVD Home Theater System 51,850

Office Star Products Professional Deluxe Chair 52,150

Nintendo®Wii Bundle with 2 games 52,900

HP Mini 1.6GHz 10.1" Netbook 53,600

Weber®Smokey Mountain Cooker 57,250

Toshiba®26” LCD HDTV 57,600

60,000 or more pointsPOINTS

Viking®5-Quart Stand Mixer 63,750

Garmin®Approach®G5 63,950

Trek®Skye S Ladies Mountain Bike 64,700

Trek®Men’s Mountain Bike 64,700

Toshiba®32" 720p LCD HDTV 65,500

Samsung®26" Class LCD HDTV 67,300

Worx®24-Volt Battery Cordless Lawn Mower 67,350

Sonoma Men’s Urban Voyager Bicycle 69,500

Sonoma Ladies’ Urban Voyager Bicycle 69,500

Polaris®800 Twin 24-Volt Ride On 76,750

Sony®HD Flash Camcorder 77,050

Samsung®32" Class LCD HDTV 77,900

Stiga®Tennis Table 80,550

Milwaukee Tools®Cordless 4-Tool Combo Kit 82,500

Canon EOS Rebel XS SLR Camera 84,050

Callaway®Diablo Edge Irons 8-Club Set – Steel* 94,550

Milwaukee Tools®4-Tool Combo Kit 99,850

Callaway®Diablo Edge Irons 8-Club Set – Graphite* 107,800

Bose®CineMate®GS Series II Home Theater 108,900

Toshiba®Satellite®15.6" Laptop 113,350

Sony®40” Class 1080p BRAVIA HDTV 115,350

Callaway®X-22 Women’s Irons Set 116,650

Trek®Women’s Road Bike 126,350

Trek®Men’s Road Bike 126,350

Taylormade®R9 Irons Graphite* 126,400

Health Mark Pro Max Inversion Table 130,600

Samsung®46" Class LCD 1080p HDTV 144,750

Baume & Mercier Men’s Classima Executives Watch 160,600

Nikon 12.3MP SLR Digital Camera 180,000

TRUE®Recumbent Bike 243,450

Life Fitness Advanced Elliptical Cross-Trainer 294,800

TRUE®Performance Series Treadmill 336,900

Life Smart Rock Spa 351,850

*Redeem for this golf club and you’ll receive a complimentary golf clubconsultation (see page 29).

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31 Call 1.888.382.5712 to redeem your points for rewards.

Gift Cards

MORTON’S THE STEAKHOUSE®$100 GIFT CARD12,000 PTS

AMC THEATRES®$50 GIFT CARD6,500 PTS

iTUNES®$50 GIFT CARD6,500 PTS

HERTZ$100 GIFT CERTIFICATE12,000 PTS

MARRIOTT®TRAVELCARD®$100 GIFT CARD12,000 PTS

LOWE’S®$100 GIFT CARD12,000 PTS

A gift card is the perfect gift for any occasion.

DiningApplebee's® $50 6,500 ptsDarden Restaurants®, Inc. $50 6,500 ptsHard Rock Cafe $100 12,000 ptsMaggianos® $50 6,500 ptsOmaha Steaks® $50 6,500 pts

$100 12,000 ptsOutback Steakhouse® $50 6,500 pts

$100 12,000 ptsPanera Bread® $50 6,500 ptsStarbucks $50 6,500 ptsT.G.I. Friday's® $50 6,500 pts

Entertainment & TravelBest Western Travel Card® $100 12,000 ptsChevron $100 12,000 ptsHyatt Hotels & Resorts® $100 12,000 pts

$250 25,000 ptsMarriott®TravelCard® $250 25,000 ptsThe Ritz-Carlton®Currency $250 25,000 pts

Shell $50 6,500 pts$100 12,000 pts

SpaFinder® $100 12,000 ptsTravelocity Hotel Gift Card $50 6,500 pts

$100 12,000 pts

ShoppingBarnes & Noble Booksellers $100 12,000 ptsBanana Republic $100 12,000 pts

$250 25,000 ptsBass Pro Shops $50 6,500 pts

$100 12,000 ptsBath & Body Works® $100 12,000 ptsBest Buy® $50 6,500 pts

$100 12,000 pts$250 25,000 pts

Bloomingdale’s $100 12,000 pts$250 25,000 pts

Brooks Brothers $100 12,000 pts$250 25,000 pts

Build-A-Bear Workshop® $50 6,500 ptsCabela’s $100 12,000 pts

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32For a complete list of available gift cards and denominations, visit bankofamerica.com/accoladesrewards.

Rew

ards

BARNES & NOBLE BOOKSELLERS$50 GIFT CARD6,500 PTS

THE RITZ-CARLTON®$100 THE RITZ-CARLTON®CURRENCY12,000 PTS

AMAZON.COM®$100 GIFT CERTIFICATE12,000 PTS

BEST BUY®$250 GIFT CARD25,000 PTS

MACY’S$100 GIFT CARD12,000 PTS

NEIMAN MARCUS®$250 GIFT CARD25,000 PTS

Shopping (continued)Dillard’s $100 12,000 ptsGap $100 12,000 ptsGolfsmith®Golf & Tennis $100 12,000 ptsHammacher Schlemmer $50 6,500 pts

$100 12,000 ptsJos. A. Bank $100 12,000 pts

$250 25,000 ptsKohl’s® $50 6,500 pts

$100 12,000 ptsLands’ End® $100 12,000 ptsLowe's® $50 6,500 pts

$250 25,000 ptsMacy’s $50 6,500 pts

$250 25,000 ptsNeiman Marcus® $100 12,000 ptsNike $50 6,500 pts

$100 12,000 ptsOfficeMax® $100 12,000 pts

Old Navy $50 6,500 pts$100 12,000 pts$250 25,000 pts

Overstock.com $50 6,500 ptsPier 1 Imports® $100 12,000 ptsPottery Barn® $100 12,000 pts

$250 25,000 ptsRestoration Hardware $100 12,000 pts

$250 25,000 ptsSaks Fifth Avenue $100 12,000 pts

$250 25,000 ptsStaples® $50 6,500 ptsSunglass Hut® $50 6,500 pts

$100 12,000 ptsThe Home Depot® $50 6,500 pts

$100 12,000 ptsTimberland® $100 12,000 ptsToys “R” Us® $100 12,000 ptswest elm® $100 12,000 ptsWilliams-Sonoma® $100 12,000 pts

$250 25,000 pts

Please note that some denominations may be fulfilled with more than one gift card/certificate. For example, a $500 gift card may be fulfilled astwo $250 gift cards. For more information, call 1.888.382.5712.

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33

Retail Offers

with preferred pricing and more.

RETAIL OFFERS

In addition to travel privileges andrewards, you can take advantage ofvarious Cardmember retail offers.

Shop online with theseAmerican Express programsand as a Cardmember,you’ll receive:� Savings on your retail,travel, dining, andentertainment purchases

� Up to 50% off selectmerchandise

� Up to thousands of dollarsoff your next car

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Ret

ailO

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34

American Express SelectsTake advantage of special savings in your hometown or wherever you’retraveling simply by paying with your American Express Card. Choosefrom hundreds of offers such as 20% off your total purchase or freeshipping. New offers are always being added, so check back often.As a Cardmember you have access to everyday shopping, travel,dining and entertainment offers from participating merchants such as:

Visit amexnetwork.com/offers to take advantage of savings every day.

Daily Wish from American ExpressAs a Cardmember, you have exclusive access to hand-picked merchandiseand offers at amazing prices. Find savings all the time, all year round.With Daily Wish from American Express, you can get the products youwant, at the prices you always wished for—everything from electronicsand fashion to travel packages, one-of-a-kind experiences, and much more.

Plus, three days a week, a fresh collection of products goes on sale—up to 50% off. Just remember—offers go on a first-come, first-servedbasis, so you have to be quick!

Visit dailywish.amexnetwork.com to view the current Daily Wish offerings.

American Express Auto Purchasing ProgramAs a Cardmember, you may be able to save on your next new or used carwith our Auto Purchasing Program. Choose from thousands of new andused cars from pre-screened American Express Certified Dealers in yourarea, and receive a guaranteed price below factory invoice or the KelleyBlue Book quote. You save money with no haggling or hassles.

� Real, upfront, guaranteed pricing—no guessing or haggling

� Price protection certificate—get your price in writing before visiting the dealer

� Certified network—dealers that are committed to great pricing andgreat service

� Dealer look-up—search by price, distance, and service ratings

Visit amexnetwork.com/autos to get a great price on your nextnew or used car.

Please read the Terms & Conditions on pages 37 – 40 and visit preferredoffers.com for details.

MSRP: $46,825Auto Purchasing Program Price: $44,150Cardmembers saved $2,675!

Above is an example of the savings

Cardmembers have recently enjoyed

with the Auto Purchasing Program.

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Experience VIP treatment with integrated travelplanning and booking, and more.

Did you know that as a Cardmember you also have access to your own premium concierge

service? Need to plan and book your next big vacation? Looking for a list of what's hot and

happening in New York or Las Vegas? Or maybe there's an important birthday that needs

planning. Leave it to the experts.

35

PREMIUM CONCIERGE

Enjoy premium concierge servicesdesigned to enhance and simplifyyour life.

� Integrated travel planningand booking

� Everyday conveniences such asrestaurant recommendationsand reservations

� Use your WorldPoints® rewardspoints to pay for purchasesand travel arranged byyour concierge

Premium Concierge

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Let your premium concierge do the work.

Designed exclusively to meet the needs of our

very best clients, the premium concierge service

is available 24 hours a day, 365 days a year.

With deep experience in a wide range of travel

and lifestyle services, your concierge professionals

are on hand to support you from the everyday to

the extraordinary. Should you need help planning

the perfect surprise party, ensuring the seamless

operation of a complex business travel itinerary

or simply booking a table at your favorite restaurant,

one call to your concierge and expert help is at hand.

Pay with WorldPoints®rewards for your

concierge request.

You earn one point for each dollar in net retail

purchases you charge with your Card—why not

make the best use of them? Not only can you

redeem your points for great rewards like

brand-name merchandise, air travel, and gift

cards but you can also redeem your points for

any purchase or travel booking made through the

concierge service. Simply order flowers, buy

theatre tickets or make your travel plans through

the concierge and then ask to pay with points.

The concierge will tell you the dollar cost of your

purchase and the points required. Then you

decide whether you want to use your WorldPoints®

rewards to fully or partially pay for any item.

It's that simple.

Pre

miu

mC

onci

erge

36

You can reach premium concierge service at 1.866.384.2788.

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37

Terms & Conditions

ALL OFFERS MUST BE CHARGED IN FULL TOYOUR QUALIFYING AMERICAN EXPRESS CARD.SEE BELOW FOR DETAILS.

Offers, rewards and benefits referenced in this catalog areavailable to holders of a qualifying American Express Card(“Cardmembers” or “Qualifying Cardmembers”). “QualifyingCards” include the Merrill Accolades™ American Express®Card and the Bank of America Accolades® American Express®Card and do not include any other American Express, Bank ofAmerica or Merrill Lynch Cards. All offers must be charged infull to one of the Qualifying Cards. All offers are valid throughDecember 31, 2010 unless otherwise noted.

Alamo Rent A CarU.S. and Latin America Rentals – Offer available when bookingany vehicle type for a minimum 3-day rental. Discount variesby rental date, location and vehicle type and may be up to25% off American Express rates available on the merchant’sown website during the booking date for the same bookingbeing requested through Premium Car Rental Privileges, orthe Best Available Rate will be offered which refers to thelowest rate available on the merchant’s own website duringthe booking date for the same booking being requestedthrough Premium Car Rental Privileges. Offer includes $15off. A 24-hour advance reservation is required. Renter mustmeet standard age, driver and credit requirements. Minimumage may vary by location. Taxes and other governmentally-authorized or imposed surcharges (including GST), license andconcession recoupment fees, airport and airport facility fees,fuel, additional driver fee, one-way rental charge and optionalitems (such as Collision Damage Waiver up to U.S. $30 perday) are extra. In the U.S., check your insurance and/or creditcard for rental vehicle coverage. Cancellation policy will beadvised at time of booking. If cancellation is made closer toscheduled pick-up time than required, late cancellationpenalties may apply. Offer is subject to merchant’s standardbooking requirements, terms and conditions. Blackout datesmay apply. All reservations and offers are based on availabilityand are subject to taxes and assessments. Offer cannot becombined with other offers, promotions, discounts or programs,and may not be redeemed for cash.

Neither American Express, its subsidiaries and affiliates, norits licensed issuers are responsible for the products orservices offered by other companies and shall not be liablefor any acts or omissions of the products or services providedin connection with this offer. Offer must be booked and usedby December 31, 2010. To qualify, purchase must be bookedthrough The Concierge by calling 1.866.384.2788 andpurchase must be made on a valid Qualifying Card.Additionalterms and conditions may apply and are available atpreferredoffers.com.

Canada Rentals – Offer available when booking any vehicletype for a minimum 3-day rental. Discount varies by rentaldate, location and vehicle type and may be up to 25% offAmerican Express rates available on the merchant’s ownwebsite during the booking date for the same booking beingrequested through Premium Car Rental Privileges, or the BestAvailable Rate will be offered which refers to the lowest rateavailable on the merchant’s own website during the bookingdate for the same booking being requested through PremiumCar Rental Privileges. Offer available when booking anyvehicle type. A 24-hour advance reservation is required.Renter must meet standard age, driver and credit requirements.Minimum age may vary by location. Taxes and othergovernmentally-authorized or imposed surcharges (includingGST), license and concession recoupment fees, airport andairport facility fees, fuel, additional driver fee, one-way rentalcharge and optional items (such as Collision Damage Waiverup to U.S. $30 per day) are extra. Cancellation policy will beadvised at time of booking. If cancellation is made closer toscheduled pick-up time than required, late cancellation

penalties may apply. Offer is subject to merchant’s standardbooking requirements, terms and conditions. Blackoutdates may apply. All reservations and offers are based onavailability and are subject to taxes and assessments. Offercannot be combined with other offers, promotions, discountsor programs, and may not be redeemed for cash.

Neither American Express, its subsidiaries and affiliates, norits licensed issuers are responsible for the products orservices offered by other companies and shall not be liablefor any acts or omissions of the products or services providedin connection with this offer. Offer must be booked and usedby December 31, 2010. To qualify, purchase must be bookedthrough The Concierge by calling 1.866.384.2788 andpurchase must be made on a valid Qualifying Card.Additional terms and conditions may apply and are availableat preferredoffers.com.

Cash RewardsSubject to complete terms and conditions, which areavailable at bankofamerica.com/accoladesrewards.

Enterprise Rent-A-CarOffer available when booking on the merchant’s own websiteduring the booking date for the same booking being requestedthrough Premium Car Rental Privileges. Offer available whenbooking a full-size category of vehicle or smaller for 3 daysor more at participating neighborhood locations. A Saturdaynight keep is required. Complimentary weekend day isprorated against base rate for entire rental period, whichdoes not include taxes, other governmentally-authorized orimposed surcharges, license recoupment/air tax recoveryand concession recoupment fees, airport and airport facilityfees, fuel, additional driver fee, one-way rental charge, oroptional items. Offer available for rentals at participatinglocations in the continental United States. Offer not valid atairport locations. A 24-hour advance reservation is required.Renter must meet standard age, driver and credit requirements.Minimum age may vary by location. Taxes and othergovernmentally-authorized or imposed surcharges (includingGST), license and concession recoupment fees, airport andairport facility fees, fuel, additional driver fee, one-way rentalcharge and optional items (such as Collision Damage Waiverup to U.S. $30 per day) are extra. Check your insuranceand/or credit card for rental vehicle coverage. Cancellationpolicy will be advised at time of booking. If cancellation ismade closer to scheduled pick-up time than required, latecancellation penalties may apply. Offer is subject tomerchant’s standard booking requirements, terms andconditions. Blackout dates may apply. All reservations andoffers are based on availability and are subject to taxes andassessments. Offer cannot be combined with other offers,promotions, discounts or programs, and may not be redeemedfor cash.

Neither American Express, its subsidiaries and affiliates,nor its licensed issuers are responsible for the products orservices offered by other companies and shall not be liablefor any acts or omissions of the products or services providedin connection with this offer. Offer must be booked and usedby December 31, 2010. To qualify, purchase must be bookedthrough The Concierge by calling 1.866.384.2788 andpurchase must be made on a valid Qualifying Card.Additionalterms and conditions may apply and are available atpreferredoffers.com.

Exclusive Hotel PrivilegesBellagio – Deluxe Room Bookings: Best Available Rate for thisoffer refers to the lowest rate available on the merchant’s ownwebsite during the booking date for the same booking beingrequested through Premium Hotel Privileges. Inquire upon arrivalfor location where complimentary daily breakfast for up to twopersons each morning of the stay is redeemed. Complimentarybreakfast may not exceed $20 per person daily and does notinclude room service, alcoholic beverages, taxes or gratuity.

Breakfast vouchers will be provided upon check-in. Guaranteedlate 4 p.m. check-out is confirmed at time of booking. BellagioSuite and Penthouse Suite Bookings: The Bellagio ExecutiveSuite Lounge is open daily from 7 a.m. to 9 p.m. Complimentarylimousine transportation from and to McCarran InternationalAirport is subject to availability. Flight information is required 48hours in advance for limousine transportation. Gratuity is notincluded. Guaranteed late 4 p.m. check-out is confirmed attime of booking. Cancellation policies, payment policies and allother booking conditions will be advised at the time of booking.Cancellations must be made according to participatingproperty’s “cancellation policies” and may result in at least1-night's room and tax being charged to the Card used to bookand guarantee the reservation. Offer is subject to merchant’sstandard booking requirements and terms and conditions.Blackout dates may apply. All reservations and offers are basedon availability and are subject to taxes and assessments. Offercannot be combined with other offers, promotions, discounts orprograms, and may not be redeemed for cash.

Neither American Express, its subsidiaries and affiliates, nor itslicensed issuers are responsible for the products or servicesoffered by other companies and shall not be liable for any actsor omissions of the products or services provided in connectionwith this offer. Offer must be booked and used by December 28,2010. To qualify, purchase must be booked through TheConcierge by calling 1.866.384.2788 and purchase must bemade on a valid Qualifying Card.Additional terms andconditions may apply and are available at preferredoffers.com.

Destination Hotels & Resorts – Best Available Rate for thisoffer refers to the lowest rate available on the merchant’s ownwebsite during the booking date for the same booking beingrequested through Premium Hotel Privileges. Room upgradeis based upon availability at time of arrival for next roomcategory than category purchased. Upgrade not availablewhen booking a Suite. If no room in the next category isavailable, the hotel is under no obligation to offer an upgrade.Late 2 p.m. check-out is based upon availability at time ofarrival. Cancellation policies, payment policies and all otherbooking conditions will be advised at the time of booking.Cancellations must be made according to participatingproperty’s “cancellation policies” and may result in at least1-night's room and tax being charged to the Card used tobook and guarantee the reservation. Offer is subject tomerchant’s standard booking requirements and terms andconditions. Blackout dates may apply. All reservations andoffers are based on availability and are subject to taxes andassessments. Offer cannot be combined with other offers,promotions, discounts or programs, and may not beredeemed for cash.

Neither American Express, its subsidiaries and affiliates, norits licensed issuers are responsible for the products orservices offered by other companies and shall not be liablefor any acts or omissions of the products or services providedin connection with this offer. Offer must be booked and usedby December 31, 2010. To qualify, purchase must be bookedthrough The Concierge by calling 1.866.384.2788 andpurchase must be made on a valid Qualifying Card.Additional terms and conditions may apply and are availableat preferredoffers.com.

Morgans Hotel Group – Best Available Rate for this offer refersto the lowest unqualified room-only rate available on themerchant’s own website during the booking date for the samebooking being requested through Premium Hotel Privileges.Room upgrade is based upon availability at time of arrival fornext room category than category purchased. Upgrade notavailable when booking a Suite. If no room in the next categoryis available, the hotel is under no obligation to offer an upgrade.Late 3 p.m. check-out is confirmed at time of booking.Cancellation policies, payment policies and all other bookingconditions will be advised at the time of booking. Cancellations

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Term

s&

Con

diti

ons

38

must be made according to participating property’s cancellationpolicies and may result in at least 1-night's room and tax beingcharged to the Card used to book and guarantee the reservation.Offer is subject to merchant’s standard booking requirementsand terms and conditions. Blackout dates may apply.Allreservations and offers are based on availability and are subjectto taxes and assessments. Offer cannot be combined with otheroffers, promotions, discounts or programs, and may not beredeemed for cash.

Neither American Express, its subsidiaries and affiliates, nor itslicensed issuers are responsible for the products or servicesoffered by other companies and shall not be liable for any actsor omissions of the products or services provided in connectionwith this offer. Offer must be booked and used by December 31,2010.To qualify, purchase must be booked through TheConcierge by calling 1.866.384.2788 and purchase must bemade on a valid Qualifying Card.Additional terms and conditionsmay apply and are available at preferredoffers.com.

FlexAir RewardsSubject to complete terms and conditions, which areavailable at bankofamerica.com/accoladesrewards.

Gift Certificates, Gift Cards and Travel VouchersIssuance of a gift certificate, gift card or travel voucher doesnot constitute a reservation. For those gift certificates, giftcards or travel vouchers where a reservation is required,such as airline or hotel certificates, the gift certificate, giftcard or travel voucher holder is responsible for making allreservations through the reward provider. Gift certificates,gift cards and travel vouchers are sent to valid streetaddresses and P.O. boxes. In the event of a request for RushDelivery (overnight mailing), a valid street address must beprovided. All point redemptions are final. Each merchant hasthe right to place restrictions on the use of gift certificates,gift cards or travel vouchers, except where prohibited by law.Gift certificates, gift cards or travel vouchers are notreplaceable if lost, stolen, destroyed or expired. Giftcertificates, gift cards or travel vouchers are not refundable,exchangeable or transferable for cash, credit, other rewardsor points under any circumstances. The listed gift certificate,gift card or travel voucher retailers are not affiliated withMerrill Lynch and/or Bank of America; they are notparticipants, sponsors or co-sponsors of the Program; andthey are not liable for any alleged or actual claims related tothe Program. All gift certificates, gift cards and travel vouchersare subject to the terms and conditions stated on the giftcertificate, gift card, travel voucher or the retailer’s website. Alltrademarks are the property of their respective owners andused with their permission. In no event shall Merrill Lynchand/or Bank of America be responsible for a gift certificate’s,gift card’s or travel voucher’s loss of value due to the issuer’sbankruptcy or other failure to honor such gift certificates,gift cards or travel vouchers. For more information, call1.888.382.5712.

Amazon.com® – Amazon.com is not a sponsor of this promotion.Amazon, Amazon.com, and the Amazon.com logo aretrademarks of Amazon.com, Inc. or its affiliates. Amazon.comGift Cards ("GCs") may be used only to purchase eligiblegoods on Amazon.com or its affiliated website Endless.com.GCs cannot be redeemed for purchases of gift certificates orcards, or for items from some third party sellers. GCs cannotbe reloaded, resold, transferred for value, redeemed for cashor applied to any other account. For complete GC terms andconditions, see amazon.com/gc-legal. GCs are issued and©2010 by ACI Gift Cards, Inc., a Washington company.

AMC Theatres® – Your use of this card constitutesacceptance of the following terms and conditions. The valuestored on this card may be applied toward a purchase at anyAMC theatre, Loews theatre, Cineplex Odeon theatre, MagicJohnson theatre and Star theatre, in the U.S. This card cannotbe used to purchase another gift card unless required by law.This card cannot be refunded or redeemed for cash (except

in CA, MA and WA or as required by law). This card will not bereplaced or replenished if it is lost, stolen or used withoutyour permission except as required by law. It will be voidedif altered or defaced. No value until purchased. This cardis transferable. Please visit AMCEntertainment.com foradditional information.

Banana Republic – Banana Republic gift cards have noexpiration or maintenance fees, and can be used in the entirefamily of Gap Inc. stores and websites (Gap, babyGap,GapKids, GapBody, GapMaternity, Old Navy, Banana Republic,Piperlime and Athleta). Limit 5 gift cards redeemable peronline transaction. Banana Republic gift cards areredeemable for merchandise only and cannot be replaced iflost or stolen and may not be redeemed with certainpromotional offers. Restricted to use in the USA and Canada.

Barnes & Noble – Barnes & Noble is not a sponsor orco-sponsor of this promotion. Please see back of gift cardor visit bn.com for terms and conditions of use. Barnes &Noble is not liable for any alleged or actual claims related tothis offer.

Bath & Body Works® – Discover the new Bath & Body Workswith over 200 fragrances, 80 of the world's best beautybrands and pampering gifts for any occasion. To find thestore nearest you, just call 1.800.395.1001. Gift Card isredeemable for merchandise only at all Bath & Body Worksor The White Barn Candle Co. store locations and online atBathandBodyWorks.com, unless otherwise required by law.Gift Card may not be used to purchase another Gift Card, ortoward previously purchased merchandise. The Bath & BodyWorks® name and logo are registered trademarks of Bathco, Inc.

BEST BUY® – BEST BUY® is not affiliated with Bank of Americaand/or Merrill Lynch. Best Buy does not sponsor, endorse,approve or have any responsibility for this promotion. BEST BUY,the BEST BUY logo and the tag designs are trademarks of BBYSolutions, Inc.

Best Western Travel Card® – Best Western Travel Card®can be used to pay for charges at more than 4,000 BestWestern® hotels worldwide. Travel Card is fully transferable.Not exchangeable for cash in part or other substitutions andno change will be given. Travel Card cannot be replaced iflost, stolen or destroyed. Travel Cards do not expire. Terms arevoid where prohibited by law. Issued in Arizona, USA, by BestWestern International, Inc. Best Western International, Inc.is not a sponsor or co-sponsor of this program and is notaffiliated with Merrill Lynch and/or Bank of America. EachTravel Card is subject to terms and conditions as published attravelcard.bestwestern.com. Terms and conditions subject tochange without notice. The Best Western name and logo areservice marks or registered service marks of Best WesternInternational, Inc. Each Best Western hotel is independentlyowned and operated. All rights reserved.

Chevron – Chevron Corporation is not a sponsor orco-sponsor of this promotion.

Darden Restaurants®, Inc. – Darden Restaurants, Inc. ownsRed Lobster®, Olive Garden®, LongHorn Steakhouse®,Bahama Breeze®, Seasons 52® and is not affiliated withBank of America and/or Merrill Lynch. Darden is not asponsor or co-sponsor of this program. Use of our restaurantnames, logos or trademarks requires written approval fromDarden. See backside of gift card for additional terms andconditions or visit dardenrestaurants.com/legal.asp.

Gap – Gap gift cards have no expiration or maintenance fees,and can be used in the entire family of Gap Inc. stores andwebsites (Gap, babyGap, GapKids, GapBody, GapMaternity,Old Navy, Banana Republic, Piperlime and Athleta). Limit5 gift cards redeemable per online transaction. Gap gift cardsare redeemable for merchandise only, cannot be replaced iflost or stolen and may not be redeemed with certainpromotional offers. Restricted to use in the USA and Canada.

Hard Rock Cafe – Hard Rock Gift Cards may be redeemedfor the purchase of merchandise, food and beverages at

corporate-owned Hard Rock Cafe restaurants andmerchandise stores. Cards cannot be used online or atInternational franchise locations. To verify the location of aparticipating cafe in your area, visit hardrock.com/giftcardsor call Hard Rock Customer Service at 1.888.519.6683.Hard Rock Gift Cards ARE NOT redeemable at Hard RockHotel/Casino locations.

Hertz – Renter must meet Hertz age, driver and creditqualifications in effect at the time and place of rental. If noredemption limit appears on the face of the voucher, up tothree Check Vouchers identified by the same CDP# and IT#can be used on the same rental. See voucher for completeterms and conditions. Go to hertz.com, call your travel agentor call Hertz for reservations and information regardingparticipating locations. At the time of reservation, mentionthe CDP# and applicable U.S. or international IT# for U.S.rentals call 1.800.654.2210. For international rentalscall 1.800.654.3001. Voucher much be surrenderedat the time of rental.

iTunes® – iTunes® is a registered trademark of Apple Inc.All rights reserved. Apple is not a participant in or sponsorof this promotion.

Maggianos® – Maggiano’s® is not a sponsor or co-sponsorof this promotion.

OfficeMax® – OfficeMax gift card terms and conditionsare located on the back of the card. Gift cards can beredeemed at any OfficeMax retail location nationwide, byphone at 1.877.OFFICEMAX, and online at officemax.com.OfficeMax gift cards do not deduct dormancy fees fromthe value of the card at any time and they do not expire.OfficeMax is not affiliated with Bank of America and/orMerrill Lynch or is a sponsor of this promotion.

Old Navy – Old Navy gift cards have no expiration ormaintenance fees, and can be used in the entire family ofGap Inc. stores and websites (Gap, babyGap, GapKids,GapBody, GapMaternity, Old Navy, Banana Republic,Piperlime and Athleta). Limit 5 giftcards redeemable peronline transaction. Old Navy gift cards are redeemable formerchandise only and cannot be replaced if lost or stolenand may not be redeemed with certain promotional offers.Restricted to use in the USA and Canada.

Pier 1 Imports® – Pier 1 Imports® is not affiliated with MerrillLynch and/or Bank of America. Pier 1 and Pier 1 Imports areregistered trademarks of Pier 1 Services Company.

Shell – The Shell Gift Card can be used only for purchases ofgoods and services at Shell locations in the U.S., exceptterritories. The Card cannot be redeemed for cash and nochange will be given, except in states that require redemptionfor cash. Shell Oil Products U.S. and its related companiesare not sponsors or co-sponsors of this promotion.

Starbucks® – Starbucks, the Starbucks logo and theStarbucks Card design are either trademarks or registeredtrademarks of Starbucks U.S. Brands, LLC. Starbucks is not aparticipating partner in or sponsor of this offer.

Sunglass Hut – Some restrictions apply. See web site orstore for details.

Toys “R” Us® – Toys "R" Us, Inc. is not a sponsor orco-sponsor of this promotion and is not liable for any allegedor actual claims related to this offer. Please see back of giftcard for terms and conditions of use.

Merchandise RewardsSubject to complete terms and conditions, which areavailable at bankofamerica.com/accoladesrewards.

Golf Club Consultation – When you redeem for a golf clubthat includes a golf certificate, you will receive a certificatewith instructions on how to obtain your complimentary golfclub consultation. The certificate will contain details on howyou can contact a golf expert who will help choose the clubthat best fits you. Certificates are valid for six months fromdate of issue; however they may be valid longer in

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39

Terms & Conditions

accordance with applicable state law.

National Car RentalDiscount varies by rental date, location and vehicle type andmay be up to 25% off American Express rates available onthe merchant’s own website during the booking date for thesame booking being requested through Premium Car RentalPrivileges, or the Best Available Rate will be offered whichrefers to the lowest rate available on the merchant’s ownwebsite during the booking date for the same bookingbeing requested through Premium Car Rental Privileges.Offer available when booking a compact through full-sizecategory of vehicle for 3 days or more at participatinglocations. A Saturday night keep is required. Vehicle mustbe returned no later than the immediately following Mondayon or before the time the rental began or higher extra dayrates may apply. Discount up to 25% applies to time andmileage charges only. Complimentary weekend day isprorated against base rate for entire rental period, whichdoes not include taxes, other governmentally-authorized orimposed surcharges, license recoupment/air tax recoveryand concession recoupment fees, airport and airport facilityfees, fuel, additional driver fee, one-way rental charge, oroptional items. Offer available for rentals at participatinglocations in the continental United States and Canada. A24-hour advance reservation is required. Renter must meetstandard age, driver and credit requirements. Minimum agemay vary by location. Taxes and other governmentally-authorized or imposed surcharges (including GST), licenseand concession recoupment fees, airport and airport facilityfees, fuel, additional driver fee, one-way rental charge andoptional items (such as Collision Damage Waiver up to US$30 per day) are extra. Check your insurance and/or creditcard for rental vehicle coverage. Cancellation policy will beadvised at time of booking. If cancellation is made closer toscheduled pick-up time than required, late cancellationpenalties may apply. Offer is subject to merchant’s standardbooking requirements, terms and conditions. Blackoutdates may apply. All reservations and offers are based onavailability and are subject to taxes and assessments.Offer cannot be combined with other offers, promotions,discounts or programs, and may not be redeemed for cash.

Neither American Express, its subsidiaries and affiliates,nor its licensed issuers are responsible for the products orservices offered by other companies and shall not be liablefor any acts or omissions of the products or services providedin connection with this offer. Offer must be booked and usedby December 31, 2010. To qualify, purchase must be bookedthrough The Concierge by calling 1.866.384.2788 andpurchase must be made on a valid Qualifying Card.Additional terms and conditions may apply and areavailable at preferredoffers.com.

Norwegian Cruise LineOffer valid for reservations made 9 months or greater prior tosailing. On-board credit amount is per stateroom and variesper category booked as follows: $300 on-board credit forPenthouses (categories AE, AD, AC, AB), $400 on-board creditfor Courtyard Villas (categories A4, A3, A6), and $500on-board credit for Garden Villas (category A1). 1– 4 Daysailings are excluded. On-board credit may be spent for anyon-board purchases. Offer shown in U.S. dollars and appliesto selected sailing. Fares are cruises only, per person, basedon double occupancy. Singles paying 200% of the rate areeligible per stateroom for the offer. Offer is for new individualreservations only. Qualifying individual reservations can beincluded into existing group and count towards tour conductorcredits. On-board credit amount is per stateroom based oncategory booked and will be applied to the 1st and 2ndguest in the stateroom. On-board credit has no cash valueand is not transferable. Offer combinable with Latitudes,Residents, Seniors, Union and Military programs. Standardair add-ons are available. All cancellation fees will followNorwegian Cruise Line (NCL) schedule available at ncl.com.

Cancellation fees are applicable based on the booking/sailing date and accommodations. NCL strongly recommendsthe purchase of Travel Protection on all bookings. On-boardservice charges are additional and will be automaticallyadded to on-board account. NCL is suspending the company’sfuel supplement for all voyages at this time. The Companyreserves the right to re-instate the fuel supplement for allguests should the price of light sweet crude oil according tothe New York Mercantile Exchange Index increase above $65per barrel. NCL may collect any fuel supplement charge ineffect at the time of sailing even if the cruise fare has beenpaid in full. Offer is subject to merchant’s standard bookingrequirements and terms and conditions. Blackout dates mayapply. All reservations and offers are based on availability, arecapacity controlled, and are subject to taxes and assessments.Standard air add-ons are available. Offer may not be redeemedfor cash. Other restrictions may apply. NCL is not responsiblefor typographical errors or omissions. © 2010 NCL CorporationLtd. Ships’ registry. Bahamas and United States of America.

Neither American Express, its subsidiaries and affiliates, norits licensed issuers are responsible for the products or servicesoffered by other companies and shall not be liable for anyacts or omissions of the products or services provided inconnection with this offer. Offer must be booked by December31, 2010. To qualify, purchase must be booked through TheConcierge by calling 1.866.384.2788 and purchase must bemade on a valid Qualifying Card.Additional terms and conditionsmay apply and are available at preferredoffers.com.

Premium ConciergeLesConcierges, Inc., provides fulfillment services for travelprivileges offers as provided by participating AmericanExpress merchants. LesConcierges is not directly affiliatedwith any retail or service providers that may provide servicesfor Merrill Accolades American Express Cardmembers. In noevent will LesConcierges, its affiliates, employees, agentsor contractors be liable to you for any damages or losses,including without limitation indirect, consequential, special,incidental or punitive damages resulting from or caused bythe fulfillment or non-fulfillment of services for MerrillAccolades American Express Cardmembers.

Premium Hotel PrivilegesBest Available Rate for this offer refers to the lowest rateavailable on the merchant’s own website during the bookingdate for the same booking being requested through PremiumHotel Privileges. Inquire upon arrival for location wherecomplimentary daily breakfast for up to two persons eachmorning of the stay is redeemed. The exact nature andmaximum value of the complimentary breakfast will bedetermined by each individual hotel and will not includeroom service, alcoholic beverages, taxes or gratuity. Roomupgrade is based upon availability at time of arrival for nextroom category than category purchased. Offer is subject tomerchant’s standard booking requirements, terms andconditions. Blackout dates may apply. All reservations andoffers are based on availability and are subject to taxes andassessments. Offer cannot be combined with other offers,promotions, discounts or programs and may not be redeemedfor cash.

Neither American Express, its subsidiaries and affiliates,nor its licensed issuers are responsible for the products orservices offered by other companies and shall not be liablefor any acts or omissions of the products or services providedin connection with this offer. Offer must be booked and usedby December 31, 2010. To qualify, purchase must be bookedthrough The Concierge by calling 1.866.384.2788 andpurchase must be made on a valid Qualifying Card.Additional terms and conditions may apply and are availableat preferredoffers.com.

The Premium Hotel Privileges terms and conditions aboveapply to all participating properties including the following

featured in this guide:

Destination Hotels & ResortsFairmont Hotels & ResortsGlobal Hotel AllianceInterContinental Hotels GroupMandarin Oriental Hotel GroupMGM MIRAGETM

Raffles Hotels & ResortsSmall Luxury Hotels of the WorldTM

Swissôtel Hotels & ResortsThe Palazzo® and The Venetian®The Peninsula HotelsThe Preferred Hotel GroupThe Ritz-Carlton®

Regent Seven Seas CruisesShipboard Credit is $100 per guest, up to a maximum $200per suite based on double occupancy, and is valid when youbook a 2010 Regent Seven Seas Cruises of 7 nights orlonger. Complimentary airfare applies to economy, round-tripflights only from select U.S. and Canadian gateways to citywhere cruise ship is departing from. Complimentary airfare isavailable only from the following gateways: ATL, BOS, CLT, IAD,ORD, DFW, DEN, IAH, LAX, MIA, MSP, EWR, JFK, LGA, MCO,PHL, PHX, SAN, SFO, SEA, TPA, YYZ and YVR. Advertised fareincludes all surcharges, airline fees and government taxes.Airline imposed baggage charges may apply. Air add-onsapply for other gateways and for additional guests in thesuite. Air routing, scheduling and air carrier are at thediscretion of Regent Seven Seas Cruises. If no flights areavailable the cruise line is under no obligation to guaranteethe complimentary flight. Reservations are required forcomplimentary unlimited shore excursions and may be madeonce cruise line booking is made. Reservations are acceptedon a first come, first served basis and are subject to availability.Offer applies to new bookings only. Guests who cancel andthen rebook are not eligible for this promotion. StandardRegent Seven Seas Cruises Deposit and Cancellation Policiesavailable at rssc.com. Ships’ Registries: Bahamas andBermuda. Offer is subject to merchant’s standard bookingrequirements, terms and conditions. Blackout dates mayapply. All reservations and offers are based on availabilityand are subject to taxes and assessments. Offer cannot becombined with other offers, promotions, discounts orprograms, and may not be redeemed for cash.

Neither American Express, its subsidiaries and affiliates, norits licensed issuers are responsible for the products orservices offered by other companies and shall not be liablefor any acts or omissions of the products or services providedin connection with this offer. Offer must be booked and usedby December 31, 2010. To qualify, purchase must be bookedthrough The Concierge by calling 1.866.384.2788 andpurchase must be made on a valid Qualifying Card.Additional terms and conditions may apply and are availableat preferredoffers.com.

Sentient JetOffer valid for $100,000 Sentient Jet Membership purchase.This is an initial deposit to be used toward future flight hoursand is not a fee. Funds on deposit are refundable at any timeand 1.5% cancellation fee applies to unused portion of initialdeposit remaining (if any) at cancellation. This offer cannotbe combined with other Sentient Jet promotions. Offer validfor new Sentient Jet Members only. Prevailing Sentient JetMembership rates apply. Purchase is subject to Sentient JetMembership Terms and Conditions, including applicable taxes.

Free Flight Time Credit: Credit is available for new Sentient JetMembers only and not upon subsequent deposits orreplenishment of existing Sentient Jet account. $1,500 ismaximum value of service credit eligible with this offer. Creditis not transferable, not redeemable for cash and not valid forFederal Excise tax, international fees or segment fees.

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Sentient Jet Membership is a program of Sentient Jet, LLC(“Sentient”). Sentient arranges flights on behalf of memberswith FAR Part 135 air carriers that exercise full operationalcontrol of charter flights at all times. Flights will be operatedby FAR Part 135 air carriers that have been certified toprovide service for Sentient and that meet both FAA safetystandards and additional safety standards established bySentient. (Refer to sentient.com/standards for details.)

Offer is subject to merchant’s standard booking requirements,terms and conditions. Neither American Express, its subsidiariesand affiliates, nor its licensed issuers are responsible for theproducts or services offered by other companies and shall notbe liable for any acts or omissions of the products or servicesprovided in connection with this offer. Offer must be bookedand used by December 31, 2010. To qualify, purchase mustbe booked through The Concierge by calling 1.866.384.2788and purchase must be made on a valid Qualifying Card.Additional terms and conditions may apply and are availableat preferredoffers.com.

Vacation PackagesRates and promotions are accurate at time of printing. Alladvertised savings are reflected in price. Rates are subject tochange based on currency fluctuations. Not responsible forerrors of omissions in the printing of this ad. Valid for newbookings only. $100 off qualifying bookings applies tobooking with minimum purchase value of $2,000 and

5-night minimum stay. Excludes travel to Las Vegas andOrlando. CST# 2029006-2010 WA# 758. NEVADA# 2004-0029.Washington UBI# 602 425 801. Valid for groupbookings and cannot be used with any other promotions,special offers, privileges or membership benefits.

Neither American Express, its subsidiaries and affiliates,nor its licensed issuers are responsible for the products orservices offered by other participating companies and shallnot be liable for any acts or omissions of the products orservices provided in connection with this offer. Vacationspackages are valid through December 31, 2010. Individualpackages are subject to change and may expire sooner.To qualify, purchase must be booked online atpreferredoffers.com or through the Concierge at1.866.384.2788 and purchase must be made ona valid Qualifying Card. Additional terms and conditionsmay apply and are available at preferredoffers.com.

Virgin Atlantic Airways10% off Virgin Atlantic Airways Premium Economy fare isvalid on all published W, S or K fares from any of VirginAtlantic’s ten U.S. gateway cities (JFK, EWR, BOS, IAD, MIA,MCO, LAS, LAX, ORD and SFO) to London’s Heathrow orGatwick airports, Dubai, Nairobi, Delhi, Johannesburg, CapeTown, Tokyo, Shanghai, Hong Kong and Lagos. Travel may beone-way or round-trip and journey must originate in theUnited States. Offer is not valid in conjunction with any other

discounts offered by Virgin Atlantic Airways, Ltd. Prepaid TicketAdvice (PTA’s) originating in the U.S. shall qualify for the offer.Published fare rules apply. Passenger is responsible for allgovernment-imposed taxes and fees and carrier imposedsurcharges. Cardmember must be a traveler on itinerary.All travel is subject to Virgin Atlantic Airways, Ltd.’sConditions of Carriage (as amended from time to time)and available at virginatlantic.com. Offer is subject tomerchant’s standard booking requirements, terms andconditions. Blackout dates may apply. Offer cannot becombined with other offers, promotions, discounts orprograms, and may not be redeemed for cash.

Neither American Express, its subsidiaries and affiliates,nor its licensed issuers are responsible for the productsor services offered by other companies and shall not beliable for any acts or omissions of the products or servicesprovided in connection with this offer. Offer valid for ticketspurchased and travel commenced on or before December31, 2010, with all travel completed by the applicablepublished fare rule. To qualify, purchase must be bookedthrough The Concierge by calling 1.866.384.2788 andpurchase must be made on a valid Qualifying Card.Additional terms and conditions may apply and areavailable at preferredoffers.com.

L-04-10

Additional restrictions apply to all offers. Please read the terms and conditions on preferredoffers.com. Offers are subject to change without notice.We reserve the right to amend or discontinue thesepromotions at any time. Neither American Express, its subsidiaries and affiliates, nor its licensed issuers are responsible for the products or services offered by other companies and shall not be liable forany acts or omissions of the products or services provided in connection with this offer. Offer must be booked and used by December 31, 2010, unless otherwise noted.To qualify, purchase must be bookedthrough The Concierge at 1.866.384.2788 and purchase must be made on a valid Qualifying Card. For information about rates, fees, other costs and benefits of this credit card program, or to apply, call1.800.478.6030.

The Merrill AccoladesAmerican Express Card is issued and administered by FIA Card Services,N.A.

American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.

WorldPoints and UltimateAccess are registered trademarks of FIA Card Services,N.A.

Merrill Accolades is a trademark and Bank of AmericaAccolades is a registered trademark of Bank of America Corporation.

All other company, product and service names may be trademarks or service marks of others and their use does not imply endorsement of, or an association with this program.All product and servicedescriptions were provided by the respective providers and Merrill Lynch is not responsible for any inaccuracies in such descriptions.

Merrill LynchWealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Bankingproducts are provided by Bank of America,N.A. and affiliated banks,Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment products:

MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation.

© 2010 Bank of America Corporation.All rights reserved.

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

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U.S. TrustBank of America Private Wealth ManagementP.O. Box 150New York, NY 10080-0150

USTSUMM6-10

� Travel savings, upgrades andcomplimentary amenities

� Incredible WorldPoints®rewards redemptionopportunities

Life’s rewardsawait inside.

We’re ready toassist you.For assistance with your account:Toll-free: 1.800.478.6030Outside the United States:1.302.738.5719 (collect)

Travel privileges and concierge:Toll-free: 1.866.384.2788Outside the United States:1.415.905.6728 (collect)Or visit preferredoffers.comfor travel privileges

WorldPoints® rewards redemption:Toll-free: 1.888.382.5712 Or visitbankofamerica.com/accoladesrewards

The Fairmont Hotel Vier Jahreszeiten, Hamburg