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This limited-time offer for the iPod® shuffle applies to any new Charles Schwab Bank Visa card account opened as a result of this offer. To qualify for the iPod shuffle, use your new account to make any purchase or cash advance transaction (including balance transfers; which may include transaction fees) within 45 days of the account open date. After qualifying, an iPod shuffle (retail value ~$99) will be mailed to you. Allow 10-12 weeks for delivery. This program is sponsored by MBNA America. Apple Computer, Inc. has neither any connection with, nor direct participation in this program. Limit one iPod shuffle per person and per account. iPod shuffle is a registered trademark of Apple Computer, Inc.

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