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B U S I N E S S

2006 PROGRAM CATALOG

Use your debit card like always. Get rewarded like never before.

businessbusinessrewardsrewards

YourYour

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3. Program Overview

4. Earn Double Points With PayPassTM

5. Earn Double Points OnRecurring Payments

6. Rewards By Point Level

10. Banking Rewards

11. Brand Name Merchandise

28. Gift Cards/Certificates

33. Charities

34. Travel Rewards

42. Terms & Conditions

2006 Business Catalog Contents

• Earn 1 point for every dollar spent on your Charter One BankBusiness Debit Card.

• Earn Double Points by using your card for PayPassTM purchases at the special PayPassTM reader next to cash registers at CVS/pharmacy®,McDonald’s®, Regal Entertainment Group Theaters®, 7-Eleven®, Blimpie®, Meijer®, Subway® and a growing number of other merchantlocations. (See page 4.)

• Earn Double Points on recurring payments you make every monthfor your cell phone, pager, the internet, utilities, insurance, equipmentleases and other ongoing services by setting up debit card AutoPay withyour service providers!

• Select great rewards starting as low as 3,000 points.

Redeeming your points is easy.

Just call 1-888-333-7580 between 9 a.m. and 9 p.m. (Eastern Time) Mondaythrough Friday or 10 a.m. to 7 p.m. (Eastern Time) Saturday or Sunday.

Or redeem your points whenever you want by visiting charterone.com andfollowing the MegaRewards prompts.

Using your Charter One Bank Business DebitCard for things you buy every day can be veryrewarding.

It’s the quick, easy way to earn free officeequipment, brand name merchandise for workand home, hotel stays, airline tickets, gift cardsand more!

Plus, there are periodic “Hot Deals”, so you’llwant to regularly review the MegaRewardsonline catalog to see what’s new.

Welcome To A World Of Great Rewards!

3

DOUBLE POINTSEarn DOUBLE POINTS … and valuable rewards even faster!

There are 2 easy ways to make your purchases twice as rewarding.1. Pay with PayPassTM

Take advantage of the new PayPass feature built into your new Charter OneBank Business debit card and earn DOUBLE POINTS* on every purchase atparticipating CVS/pharmacy®, McDonald’s®, Regal Entertainment GroupTheaters®, 7-Eleven®, Blimpie®, Meijer® and Subway® restaurants.

To qualify, just tap your PayPass card on the PayPass reader prominentlydisplayed next to the cash register. That’s all there is to it.

2. Sign up for Debit Card AutoPayYou also can earn DOUBLE POINTS on your cell phone, pager, utility and otherrecurring bills by contacting your service providers and having them sign you upfor Debit Card AutoPay.

Signing up saves you the time and hassle of writing checks every month to thesesame providers and really accelerates the points you earn. Since you’re alreadypaying for these services anyway, why not reward yourself for it?

4

* You earn 2 MegaRewards points for every $1 in transactions when you pay by tapping your card on the PayPass reader prominently displayed next to cash registers at participating merchant locations.The double points for PayPass offer is available through December 31, 2006.

5

Earning DOUBLE POINTSis easier than ever!

Use PayPass at participating merchants

and earn DOUBLE POINTS

on all your purchases!

Sign up for Debit Card AutoPay

and earn DOUBLE POINTS

on payments you make every month.

* At participating PayPass merchants.

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1,020 points

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33,600Points!

2,040Points!

Everyday Purchases Average Annual Cost Total MegaRewards®Monthly Cost Points Earned

CVS/pharmacy $ 40 $ 480 960*

McDonald’s $ 50 $ 600 1,200*

Office Supplies $ 175 $2,100 2,100

Postal Expenses $ 50 $ 600 600

Meals & Entertainment $ 500 $6,000 6,000

Hotels $ 480 $5,760 5,760

Air Travel $ 500 $6,000 6,000

Car Rentals $ 400 $4,800 4,800

Cells Phones $ 125 $1,500 3,000

Equipment Leases $ 400 $4,800 9,600

Internet/Web Hosting $ 100 $1,200 2,400

Utilities $ 500 $6,000 12,000

Insurance $ 275 $3,300 6,600

Total $3,595 $43,140 61,020

Double with PayPass

Double with PayPass

Double with AutoPay

Double with AutoPay

Double with AutoPay

Double with AutoPay

Double with AutoPay

6Logon to charterone.com to view the most current rewards online.

Quick Guide To Available Rewards

3,000 PointsOne Year MegaRewards®Membership

4,000 Points$20 Bath & Body Works®Gift Card

$20 Pizza Hut® Card

$20 McDonald’s® ARCH Card

$20 CVS/pharmacy® Gift Card

Galileo® Thermometer

AM/FM Shower Radio

Personal ElectronicOrganizer

5,000 Points$25 BP® Gift Card

$25 Bob Evans® Gift Card

$25 Applebee's® Gift Card

$25 Red Lobster® Gift Card

$25 Olive Garden® Gift Card

$25 Smokey Bones® Gift Card

$25 Bahama Breeze® Gift Card

Proctor-Silex® Electric Knife

Wilson® NFL Soft Grip Football

jWIN® AM/FM Pocket Radio

Thermos® Metallic Charcoal Mug

Free Companion Airline Ticket

7,000 Points$35 Mrs. Fields® Gift Certificate

Sony® AM/FM Clock Radio

GE® 900 MHZ Cordless Telephone

Ralph Lauren® Silver Stud Earrings

Travelers Club® Duffle

Wilson® Synthetic Leather Basketball

8,000 PointsCD Bonus Rate

$40 Target® GiftCard

$40 Kohl’s Gift Card

$40 Wal-Mart® Gift Card

$40 Toys “R” Us® Gift Card

$40 Bath & Body Works®Gift Card

$40 Sephora® Gift Card

Skil® Screwdriver with Bit Set

Godiva® GoldBallotins 1/2 Pound

Bushnell® PowerViewFolding Binoculars

Andis® 14 Piece Haircutting System

AT&T® Answering Machine

7Call 1-888-333-7580 to redeem your points.


10,000 Points$50 Alzheimer'sAssociation® CharityDonation

$50 American Red Cross®Tsunami Victims Relief Fund Donation

$50 American Foundationfor the Blind® Charity Donation

$50 Breast CancerResearch® CharityDonation

$50 March of Dimes®Charity Donation

$50 Marine Corps Toys for Tots® Charity Donation

$50 Prevention of Cruelty to Animals® Charity Donation

$50 Macaroni Grill® Gift Card

$50 Chili's® Gift Card

$50 Gap Gift Card

$50 Foot Locker® Gift Card

$50 In RegalEntertainment GroupMovie Packs

$50 Staples® Gift Card

$50 Old Navy Gift Card

$50 The Home Depot®Gift Card

$50 Borders® Gift Card

George Foreman® Family Size Grill

Toastmaster® Waffle Maker

Coleman® RemoteControl Lantern

Down Inc.® Feather & Down Pillows

Sharp® Hand-HeldPrinting Calculator

Ralph Lauren® Silver Bead Bracelet

Proctor Silex® Toaster Oven

Panasonic® MicrocassetteTape Recorder

Homedics® HandheldCompact PercussionMassager

15,000 Points$75 iTunes® Gift Certificate

$75 Eddie Bauer® Gift Card

$75 Lands’ End® Gift Card

$75 CompUSA® Gift Card

$75 JCPenney Gift Card

$75 Macy’s® Gift Card

Cuisinart® Ice Cream Maker

Thermoscan® EarThermometer

Master Craft® 15 PieceGarden Tool Set

Golf & Gifts The Pro Roller Golf Bag

Bushnell® 10 x 50Powerview Binoculars

Uniden® GMRS 2-Way Sport Radio

1 Day National® Compact-Full Car Rental

1 Day Sea World® Orlando Child Ticket

Shop Vac Original Vac®

Brother® Hand-HeldLabeling System



20,000 Points$100 Best Buy® Gift Card

$100 Bed Bath &Beyond® Gift Card


$100 Morton's, The Steakhouse® Gift Card

$100 Harry and David® Gift Card

$100 The Home Depot® Gift Card

Sony® CD WalkmanPlayer

Sony® PortableCD Player

Royal® CrosscutShredder

Bulova® Burlington Mantle Clock

Kenneth Cole® Ladies’ Watch

Kenneth Cole® Men's Watch

DMI® Game Room Dart Cabinet Set

2 Day Alamo® Compact-Full Car Rental

1 Day Alamo® Premium-Luxury Car Rental

1 Day Adult Sea World®Orlando Ticket

$100 Marriott® Cheque

$100 Ritz-Carlton®Currency

$100 Hertz Car Rental

$100 Best WesternTravel Card®

Cuisinart® Little Pro PlusTM Food Processor

$100 Spa Finder®Certificate

iPod® ShuffleTM

512MB MP3 Player

25,000 Points$125 Alzheimer'sAssociation® Donation

$125 AmericanFoundation for the Blind®Donation

$125 American RedCross® Tsunami VictimsRelief Fund Donation

$125 Breast CancerResearch® Donation

$125 March of Dimes®Donation

$125 Prevention ofCruelty to Animals®Donation

$125 Toys for Tots®Donation

Sony® DVD Player

Makita® Variable Speed Drill

Coleman® PropaneGrill/Stove

1 Night Fairfield Inn® by Marriott Award

Coach® Double Billfold Wallet

1 Night Hyatt® Classic Level Certificate


2 Day Universal Studios®Orlando 2 Park Adult Ticket

2 Day Universal Studios®Orlando 2 Park Child Ticket

3 Day Alamo® Compact-Full Size Car Rental

Oreck® Cord-Free ElectrikBroom



30,000 Points$150 Coach Gift Card

$150 Pier 1 Gift Card

$150 Morton's, The Steakhouse® Gift Card

$150 Banana RepublicGift Card

Sony® 3-Piece AM/FM CD Boombox

Vivitar® Vivicam 3MPDigital Camera

$150 Off Domestic Airline Ticket

$150 Off InternationalAirline Ticket




$150 Hertz Car RentalGift Voucher

1 Night ResidenceInn/TownePlace® 1 Bedroom Award

Canon® Flatbed Scanner

Panasonic® Plain Paper Fax

40,000 PointsSony® 10-Disc Trunk Changer

Samsung® DVD/VCR Combo

WeedEater®Blower/Mulching Vac

Coleman® 13' x 11'Screen House



1 NightCourtyard®/Spring HillSuites® Award

50,000 PointsRCA® 20" Stereo Flat Screen TV

Sony® PlayStation 2 With 1 Controller

Legend® 12-Channel GPS

Sony® Mega CD Storage Changer

Whirlwind® BaglessVacuum

Fitness Quest® Gazelle Freestyle

Huffy® 26" Marengo Bike

Free Domestic Round-tripAirline Ticket

70,000 PointsRCA® 20" Flat ScreenTV/DVD Combo

Panasonic® 5MP Digital Camera

Sharper Image® Ionic Breeze® Silent Air Quadra® Purifier

Uniflame® Patio/Deck Heater



Logon to charterone.com to view the most current rewards online.

Banking Rewards

10

As a valued Charter One Bank MegaRewards® member we are pleasedto offer you an opportunity to redeem points for a special Bonus Rate onour already high yielding Certificates of Deposit and a free MegaRewardsMembership opportunity.

Bonus Interest on Charter One Bank Certificate of Deposit*CDs are a smart choice when fixed rate and security of principal are apriority. Now as a MegaRewards member, you can earn a special bonusrate and the peace of mind that comes with FDIC insurance. Select the maturity date that best meets your needs and receive the bestreward – more money! Earn an extra .15% interest on top of ouralready great Certificate of Deposit rates.*

8,000

One-Year MegaRewards MembershipThis reward will extend your membership for an additional 12 months,a $25 value.

3,000

* Limited to certificates of deposit of $250,000 or less. All accounts subject toindividual approval. See a banker for details and deposit insurance coverage limitations.


You’re really going to appreciate the wide

assortment of new items featured in this

section including the latest electronics,

home entertainment, jewelry, power tools,

kitchen accessories, sports gear and more.

Brand Name Merchandise


AM/FM Shower Radio

Water drop resistant radiooffers swivel hook for hanging or stand fortableside use. Trendy white cabinet haswaterdrop-look with see-through aqua trim.Measures 9.25" x 3.5" x 1.75". Three AA batteries (not included).

4,000

Personal ElectronicOrganizer

A sleek aluminum databankwith five currency and metricconversions, 32-city worldtime feature, alarm withschedule, and a 12-digit calculator.

4,000

Galileo® Thermometer

Science meets art. This fascinating, functional instrument is the point at which science meets art. Four hundred yearsago Galileo discovered that specifically weighted floatingbubbles would predictably rise or sink in a liquid as thetemperature of that liquid changed. These decorativeglass reproductions of Galileo's discovery have glass floatsprecisely weighted in .003 gram increments suspended in a clear, environmentally safe, non-toxic liquid. Simplyread the tag on the lowest floating bubble to tell thetemperature. Made in Germany.

4,000

Proctor-Silex® Electric Knife

Slices breads, meats, vegetables, and fruits with its serrated stainless steelblades.

5,000


Wilson® NFL Soft Grip Football

Pass like the pros. Football is official size and weightwith sewn rubber coverfeaturing vibrant NFL logo.

5,000

Thermos® 16-OunceMetallic Charcoal Mug

Carry your favorite hot orcold beverage in sleek style.Durable mug is constructedof stainless steel and features a reflective finishreminiscent of a high glosscar finish. Charcoal.

5,000

jWIN® AM/FM Pocket Radio

Mini AM/FM palm-sizepocket radio with ultrasensitive AM/FM receiver,3-way carrying system,earphone jack, stereoearphones and neck strap. Requires 2 “AAA” batteries (not included).Silver.

5,000

Sony® AM/FM Clock Radio

New angular design offersAM/FM tuner, alarm volumecontrol, green LED display,alarm indicator, and fullpower back-up to ensure on-time wake-up. Wake toradio or buzzer alarm withsnooze/sleep functions.Black.

7,000

GE® 900 MHZ Cordless Telephone

Crystal Clear Sound® with40 Channel Auto Scan, 10-Number Memory, DigitalSecurity, Handset VolumeControl, One-touch Redial,Page/Find.

7,000


AT&T® AnsweringMachine

Digital answering systemfeatures adjunct 40minutes digital record time,English and Spanish voiceprompts. Single digitmessage and countertime/day stamp messageguard. Memory requires no batteries. System alsooffers remote access, tollsaver call screeningintercept and CID number announce.

8,000

Andis® 14-PieceHaircutting System

No more appointments tomake. Includes professionalpivot motor clipper withadjustable blade, eightattachment combs, stainlesssteel shears, styling andtapered barber combs,cleaning brush, blade guard, barber cape andinstructions.

8,000

Salton® George Foreman®Family Size Grill

The George Foreman IndoorGrill has a 64 square inchcooking surface, built-in bun warmer with one touchrelease, updated rib designfor even easier cleaning,double non-stick coated grillplate, floating hinge for even cooking and cord storage wrap.

10,000

Toastmaster® Waffle Maker

Light, fluffy waffles are asnap to make. Ready lightindicates when to pour inbatter. Four-section wafflebakes to a delicious crispnesswhile housing stays cool tothe touch. Nonstick gridsmean fast, easy clean up.Stands on end for convenientstorage.

10,000

Coleman® Remote Control Lantern

Oh, so handy. Classicallystyled lantern operates onremote control from up to50 feet away. Features multi-position manual on/offswitch, built-in nightlight and cool-to-the-touch fluorescent tube. Operatesup to 40 hours on low and17 hours on high withalkaline batteries (notincluded).

10,000


Down Inc.® Feather &Down Queen Pillows

Pair of pillows offer double-stitched construction, 233thread count, 100% cottonfabric and are filled withwhite down and feathers.

10,000

Ralph Lauren® Silver Bead Bracelet

Perfect symmetry in glorious8mm silver beads that round your wrist. Perfect as a stand-alone piece or incombination with yourfavorites. Signature RLL fob dots toggle closure.

10,000

Sharp® Hand-Held Printing Calculator

Battery powered unitincludes extra-large 10-digitdisplay, large character printout and four-key memory.

10,000

Homedics® HandheldCompact PercussionMassager

Ease your aches and pains.Lightweight design fitscomfortably in your hand toprovide powerful percussionaction and soothing heat.Offers two-setting variableintensity and four convenientattachments.

10,000

Proctor Silex® Toaster Oven

Fits a 12" pizza or 6 slices of toast. This toaster ovenhas a space-saving design,30-minute timer with autoshutoff, broils/top-brownsfood and includes slide-outcrumb tray.

10,000


Panasonic® MicrocassetteTape Recorder

Panasonic microcassettetape recorder featuresvoice activation system with level control, built-incondenser microphone,one-touch recording, fastplayback, pause, two-speedtape selector and big soundspeaker.

10,000

Cuisinart® Ice Cream Maker

Make fat-free sorbets, low-fat frozen yogurts, richice creams — up to 1-1/2quarts — quick and easy!Heavy-duty motor makesfrozen yogurt, ice cream,sherbet, sorbet or frozendrinks in 20 to 30 minutes.Includes automatic mixingarm, large ingredient spoutfor adding ingredients, easy-lock transparent lid andinstruction/recipe book.Limited 3-year warranty.

15,000

Thermoscan® Ear Thermometer

Compact digital thermometermeasures and displays bodytemperature in one second.Features an audible alertwhich confirms the end ofmeasurement and recallmemory for last eight temperatures. Includes lensfilters and protective cover.

15,000

Master Craft® 15 PieceGarden Tool Set

Set includes 13" fixed blade grass shear, 8" by-passpruning shear, 12" trowel,12" weeder, four-functionspray nozzle, 5" adjustablenose nozzle and various hoseadapters and nozzles.

15,000

Golf & Gifts DeluxeWheeled Golf Bag

Weather-proof cover features padded top andshoulder strap, three reinforced handles and oversized cast wheels.Includes locks, keys and outside accessory pocket.

15,000


Bushnell® 10 x 50Powerview Binoculars

InstaFocus®, fully coated lenscoating, fold down eyecups,great for stadium sports, outdoor/nature, generaluse, vacation, hunting andbird watching. Case andstrap included.

15,000

Uniden® GMRS 2-Way Sport Radio

Crystal clear sound with up to six-mile range and 22 channels. Features 38CTCSS privacy codes, backlitLCD display, battery strengthmeter, keypad lock, channelscan/monitor and five calltones. Includes two NiMHrechargeable batteries,charging cradle and belt clip.

15,000

Shop Vac Original Vac®

One-gallon capacity with1hp motor to handle a wet or dry mess.

15,000

Brother® Hand-HeldLabeling System

Create adhesive labels for home or office withlaminated tapes in threehandy widths. LCD displaylets you preview beforeprinting. Features one font in eight styles, five type sizesup to 22 points and offersnumerous options, includingvertical printing.

15,000


Sony® CD Walkman Player

A stylish CD walkman thatoffers ATRACT3 plus,ATRAC3 and MP3 formatplayback. Also features digital mega bass sound and volume control plus abookmark playback functionfor easy programming.

20,000

Sony® Portable CD Player

Astounding sound with18playback modes, includingbookmark playbackfunction. Offers MP3,ATRAC3™, ATRAC3plus™playback, plus featuresDigital Mega Bass® sound,skip-free technology, three-line LCD for ID3 tag,18 play modes, earbudheadphones, and clipremote.

20,000

DMI® Game Room Dart Cabinet Set

Includes bristle dartboardand six darts. Cabinet is constructed of MDF laminateand features "self-closing"antique brass hinges. Closed measurements: 25"H x 19.5"W x 3.5"D.

20,000

Apple IPOD® Shuffle512MB MP3 Player

Mix things up. Pocket-sized and ready to go random, thenew iPod Shuffle has a slider on the back that lets youmanage the music. Flip on Shuffle mode to hear up to 120 songs in varied order, or choose Play in Order mode. Five-way button pad controls play/pause, volume up/down,and track forward/back. Simply connect to your computerdirectly into a USB port with no cables necessary todownload or recharge 12-hr. battery. Compatible withiTunes software and iTunes Music Store.

20,000


Cuisinart® Little Pro PlusTM

Food Processor/Juicer

A compact food processorthat features a juicer attachment, chute attachment, stainless steelblades, slicing and shreddingdiscs, three-cup capacity and a three-position(on/off/pulse) lever.

20,000

Royal® Crosscut Shredder

Shreds five sheets in a single pass and features auto start/stop. Even accepts credit cards andstaples. All waste isconveniently caught in 32 liter wastebasket.

20,000

Kenneth Cole® Ladies’ Watch

Stainless steel with two hand function and date display on a leather strap.Water resistant.

20,000

Kenneth Cole® Men’s Watch

Stainless steel with two hand function and date display on a leather strap.Water resistant.

20,000

Bulova® Burlington Mantle Clock

Perfect focus piece for your mantle. Solid wood case with rich walnut finish has functional drawer and combines withglass side panels andpolished brass accents forthe finest in timekeeping.Adds the sound of music to your home by playingWestminster melody on the hour.

20,000


Sony® DVD Player

Single disc DVD player DVD, DVD+RW/+R, DVD-RW/-R,JPEG/MP3/CD-R/CD-RW playback, precision cinema,progressive black finish.

25,000

Makita® Variable Speed Drill

Reversible drill with powerful 3.3-amp motorand variable speeds from 0-2, 100 rpm accommodates drilling of wood and sheet metal.Lightweight design includesall-ball-bearing construction.Includes keyless chuck.

25,000

Coleman® PropaneGrill/Stove

Grill and cook at the sametime. Offers two 10,000-BTU burners, greasemanagement system andremovable dishwasher-safegrease reservoir. Propanecylinder not included.

25,000

Coach® Double Billfold Wallet

Perfect gift for him with two multipurpose pockets,six credit card pockets and two full-length bill compartments. Water buffalo calfskin. 4-5/16" x 3-7/16". Black.

25,000


Oreck® Cord-Free ElectrikBroom

Ingenious new two-in-onedesign offers the advantageof a powerful floor vacuumwith a removable hand vac.Features rechargeable two-motor system withrevolving agitator brush andgeared belt drive that offerssuperior performance on allsurfaces. No cord to plug inor interfere withmovement.

25,000

Sony® 3 Piece AM/FM CD Boom Box

Moveable music for those on-the-go. Features CD player,dual stereo cassette deck and digital AM/FM stereo tunerwith Mega Bass system. Four-pattern electronic sound modes,including rock, pop, jazz and vocal. Includes synchronized CDand cassette dubbing and remote. Has AC cord or operateson batteries (not included).

30,000

Vivitar® Vivicam 3MPDigital Camera

Stylish design with digitalstill, movie clip and PC/webcamera capabilities. Features 1.5" color monitor,three-mode auto flash,16MB internal memory,white balance, self-timer and USB port. Accepts SD cards (not included).

30,000


Sony® 10-Disc Trunk Changer

Amazing mobile technology.Mount this 10-CD changerunder your car seat or inyour trunk and control itthrough slim-line displaythat doubles as a wiredremote. Offers built-in FM transmitter and full-function playbackmodes. CD text and CD-R capabilities.

40,000

Panasonic® Plain Paper Fax

Features copier function, 10-sheet auto feeder,telephone navigator for 110 entries, auto fax/phoneswitching, 50-sheet papertray, 20-station broadcasting,four resolution modes, autofax redial, distinctive ringdetection, monitorspeakerphone, two-line LCD display and Caller ID.

30,000

Samsung® DVD/VCR Combo

Slender combination design offers the best of both worlds, plus more.Features progressive scanoutput, letterbox eliminatorand easy-access front A/Vinputs. Offers DVD, CD, CD-R/RW, MP3 and VHS/S-VHS playback capabilities. Also enjoy picture CD and JPEG CD viewing.

40,000

Canon® Flatbed Scanner

Just over 1” high and packed with features, including 1,200x 2,400 dpi, multiscan mode and expansion top that staysflat for books and magazines. With simple touch of a button,scan images, copy documents or e-mail photos with excellentreproduction in more than 281 trillion colors.

30,000


Coleman® 13' x 11' Screen House

Crowd pleasing canopy. Allows great airflow and provideswind and sun protection with Wind StrongTM System. With95” center height and 72” wall height, tension can beadjusted to guarantee tighter canopy and more rigid frame.Includes organizer, storage bag and easy color-codedassembly instructions. Measures 13' x 11'. Charcoal frame.

40,000

RCA® 20” Flat Screen TV

Wider effective angle forsuperior viewing. FeaturesTruFlat picture tube, two-line comb filter, surround sound, multi-lingualonscreen display, multi-speedscan and slow motion andconvenient sleep timer.Super easy connections withfront and rear A/V jacks,rear S-video, rear videooutput and digital audio

output. DVD, audio CD, CD-Rand MP3 play. Measures:24"W x 21"H x 19"D.

50,000

Sony® PlayStation 2 with 1 Controller

Computer entertainmentsystem offers expansive 128-bit universe. Console’smega-powerful 300 MHzprocessor delivers enhancedclarity and dazzling graphicswith Graphics Synthesizerand doubles as a CD/DVD player.

50,000

WeedEater® BarracudaGas Blower and Mulching Vac

The most powerful blowercombined with the bestmulching system. With 200-mph blowing power,24-cc gas-powered engine,Bigfoot nozzle and 400 cfm of air volume, this isone powerful lawn tool. Includes vacuum kit.

40,000


Sony® Mega CD Storage Changer

Megastorage CD changercomes with a host of features that make playingyour next song fun and easy. Artist name search,scan by slot position orsearch alphabetically.Includes CD text display, custom file organization, keyboard input, 32-song hit list, timer and remotecontrol.

50,000

Eureka® Whirlwind BaglessLitespeed Vacuum

Newly designed bagless wonder with quiet 12-ampmotor, new spin duster andlarger 3.5 dry quart capacitydust cup. Also features 15" cleaning path, HEPA filtration, stair/upholsterynozzle, stretch hose andonboard tools.

50,000

Fitness Quest® Tony Little GazelleFreestyle

Complete range of motionfor all fitness levels.Smooth, low impact workout provides bothaerobic and resistancetraining. Features sure fit foot platforms, water bottle/holder, 30-minutevideo and durable steelconstruction to support up to 350 pounds. Folds for storage.

50,000


Huffy® 26" Marengo (Unisex) Bike

Ideal for him or her, alloy comfort frame provides a great ride. Offers steel suspension fork, six-speed twist shift, Falcon six-speed derailleur, alloy rims and wide spring seat with black bumper. Mocha Black/Polished.

50,000

Panasonic® 5MP Digital Camera

Compact design offers 2” LCD viewing screen, Optical Image Stabilizer, Mega Burst consecutive shooting, and newbuilt-in memory. A variety of scene modes help you capturethe best shot.

70,000

Garmin® Legend 12-Channel GPS

Provides precise GPS position accuracy to less than three meters using correction data from Wide Area AugmentationSystem. Small handheld unit is loaded with full basemap of North and SouthAmerica, including lakes and rivers, plus 8MB internal memory to holddownloaded map data andnew preloaded marine aidsto navigation.

50,000


Sharper Image® Ionic Breeze® Quadra®Silent Air Purifier

Attractive design works in any room. Offers low-energy consumption,silent operation, superior aircleaning and odor neutralizing and noreplacement filters. Gray.

70,000

Uniflame® Patio/Deck Heater

Brings style and warmth outside with push-buttonignite. Warms up to an 18-foot diameter area with40,000 BTUs. Measures:91"H x 24.5"W base x26.5"W dome. Black. Fuel tank not included.

70,000

RCA® 20” Flat Screen TV/DVD Combo

Wider effective angle for superior viewing. Features TruFlat picture tube, two-line comb filter, surround sound,multi-lingual onscreen display, multi-speed scan and slowmotion and convenient sleep timer. Super easy connectionswith front and rear A/V jacks, rear S-video, rear videooutput and digital audio output. DVD, audio CD, CD-R andMP3 play. Measures: 24” W x 21” H x19” D.

70,000

28Logon to citizensbank.com to view rewards online.

Gift cards are more popular than ever.

And as you’ll see, we have a wide

assortment to choose from for all your

favorite restaurants and merchants. And

if there’s something else you’ve had your

eye on, you can select a Charter One

Bank Gift Card good at millions of

locations world wide.

Remember, the Charter One Bank Gift

Card and most merchant gift cards are

welcomed for online and phone-in

orders as well.

Gift Cards/Certificates


Bath & Body Works® Gift Card

$ 20 . . . . . . . . 4,000$ 40 . . . . . . . . 8,000

$25 Applebee's® Gift Card

5,000

$20 Pizza Hut® Card

4,000

$25 Darden Restaurants Gift Card good at:Red Lobster® Bahama Breeze®Olive Garden® Smokey Bones®

5,000

$20 McDonald’s® ARCH Card

4,000

$20 CVS/pharmacy® Gift Card

4,000

$25 Bob Evans® Gift Card

5,000

$25 BP® Gift Card

5,000

Charter One Bank Gift Card

$ 75 . . . . . . 19,000$ 100 . . . . . . 25,000


The Home Depot® Gift Card

$ 50 . . . . . . . 10,000$100 . . . . . . . 20,000

$40 Target® GiftCard

8,000

$40 Toys “R” Us® Gift Card

8,000

$40 Sephora® Gift Card

8,000

$40 Kohl’s Gift Card

8,000

$40 Wal-Mart® Gift Card

8,000

$50 Chili's® Gift Card

10,000

$50 Macaroni Grill® Gift Card

10,000

$50 Gap Gift Card

10,000

$35 Mrs Fields® Gift Certificate

7,000


$50 Old Navy Gift Card

10,000

$50 Borders® Gift Card

10,000

$50 Foot Locker® Gift Card

10,000


15,000

$50 Staples® Gift Card

10,000

$75 Lands’ End® Gift Card

15,000

$75 Comp USA® Gift Card

15,000

$50 in RegalEntertainment GroupMovie Packs

10,000

$75 Macy’s® Gift Card

15,000

$75 iTunes® Gift Certificate

15,000

iTunes®



20,000

Morton's®, The Steakhouse Gift Card

$100 . . . . . . .20,000$150 . . . . . . . 30,000

$100 Harry and David® Gift Card

20,000

$100 Best Buy® Gift Card

20,000

$150 Coach Gift Card

30,000

$100 Bed Bath & Beyond®Gift Card

20,000

$150 Pier 1 Gift Card

30,000

$150 Banana RepublicGift Card

30,000

$100 Spa Finder®Certificate

20,000

$75 JCPenney Gift Card

15,000

33

Here’s a great way to help a charity important

to you. Chose from the Alzheimer’s

Association®, American Foundation For The

Blind®, American Society for the Prevention

of Cruelty to Animals®, American Red Cross®

Tsunami Relief Fund, Breast Cancer Research

Foundation®, March of Dimes® or Marine

Corps Toys for Tots®.

$50 donation to a charity 10,000

$125 donation to a charity 25,000

Give To Charity

34

Travel Rewards

Looking to get away? You’ve come to the right place. As you’ll see, there’s a wide

assortment of travel rewards to choose from including free hotel and resort stays, car

rentals, airline tickets and theme park admission. Whether you’re looking to get away

for a day or an extended vacation, there’s a reward here to meet your needs.


Free Companion Ticket Certificate

Free Companion Ticket entitles recipient to purchase of oneadult round-trip, coach-class airline ticket at the fare statedand receive a Companion Ticket free. Offer is good between 104 cities listed on the certificate when purchased throughLifestyle Vacation Incentives. Please refer to the Terms andConditions for further details.

5,000

Traveler’s Club® Duffle

Traveler’s Club TCL"Outdoors" 28" Multi-PocketDuffel w/CD Access Porthole.

7,000


National Car Rental is one of the world’s largest carrental companies, withapproximately 3,000locations in 72 countriesacross the globe. Vouchervalid for up to one 24-hourrental period of a compactthrough a full size 4-door car in the United States.Please refer to the Terms andConditions for further details.

15,000

1-Day Sea World® Orlando Child Ticket

Single-Day Admission to SeaWorld Orlando.Children's ticket is for kids ages 3-9. Visitwww.seaworld.com forcomplete operating schedule.

15,000


2 Day Alamo® Compact-Full Car Rental

Valid for two (2) 24-hourrental periods of an Alamocompact-full size car in the United States andCanada. Includes unlimitedmileage and is valid for use any day of the week.Advance reservationrequired, subject toavailability. Renter mustmeet standard age, driverand credit requirements.Please refer to Terms andConditions for further details.

20,000


Valid for one (1) 24-hourrental period of an Alamopremium-luxury size car inthe United States and Canada.Includes unlimited mileageand is valid for use any day of the week. Advancereservation required, subjectto availability. Renter mustmeet standard age, driver and credit requirements.Please refer to Terms andConditions for further details.

20,000

1-Day Adult Sea World®Orlando Ticket

Single-Day Admission toSeaWorld Orlando. Adultticket is for those age 10 andup. Visit www.seaworld.comfor complete operatingschedule.

20,000


Let them choose their own award! Marriott Chequescan be used at any MarriottHotels & Resorts, JWMarriott Hotels & Resorts,Renaissance Hotels &Resorts, Courtyard,Residence Inn, Fairfield Inn,TownePlace Suites, SpringHillSuites and Marriott VacationClub International (rentalsonly) locations foraccommodations, dinner,souvenirs at the gift shop.

20,000

$100 Best Western Travel Card®

The Best Western TravelCard is a stored-value giftcard good for hotel stays atany Best Western hotelworldwide. The Travel Card takes you to farawayprivate beaches, wondrousmountaintops, breathtakingforests or bustlinginternational cities. Use the Best Western Travel Card at any of more than4,200 Best Western hotels in over 80 countriesthroughout the world.

20,000


®HOTELS & RESORTS

$100 Hertz Car Rental Voucher

Hertz offers a wide variety of current-model cars on ashort-term rental basis –daily, weekly or monthly –at airports, in downtown andsuburban business centers,and in residential areas andresort locales. This voucherwill be received within 3-4weeks signature requiredpriority mail. Please refer to the Terms and Conditionsfor further details.

20,000

1 Night Fairfield Inn by Marriott® Award

At Fairfield Inn by Marriott,expect comfort and warmhospitality when you stayany night at over 530locations across the United States. Includes all applicable room taxes.Enjoy a free continentalbreakfast the next morning. Please refer to Terms andConditions for furtherdetails.

25,000

1 Night Hyatt® ClassicLevel Certificate

Hyatt Hotels and Resortsoffer luxury hotels aroundthe world. The Classic StayCertificate is good for onenight accommodationsincluding tax any day of theweek at over 70 propertiesworldwide. Accommodationsare subject to availability attime of reservation, andblack out dates may apply,due to seasonal periods andspecial events. Please referto the Terms and Conditionsfor further details.

25,000


National Car Rental is one of the world’s largest car rental companies, withapproximately 3,000locations in 72 countriesacross the globe. Vouchervalid for up to two 24-hourrental periods of a compactthrough a full size 4-door car in the United States.Please refer to the Terms and Conditions for furtherdetails.

25,000


Guests may use Ritz-Carlton currency fordining, sample the delightsof a spa or take home anelegant memento from aRitz-Carlton gift shop. This voucher will bereceived within 3-4 weekssignature required prioritymail. Please refer to theTerms and Conditions forfurther details.

20,000


1 Night Residence Inn/TownePlace® 1 Bedroom Award

Stay any night of the week at over 600 Residence Inn orTownePlace Suites locations in the United States, Canada orMexico. These suite accommodations are perfect for leisuretrips and all feature kitchens. All applicable room taxesincluded. Enjoy a complimentary hot breakfast buffet atResidence Inn. Call 1-800-899-7235 to check availability.Certificate expires 15 months from date of issuance.

30,000

3 Day Alamo® Compact-Full Size Car Rental

Valid for three (3) 24-hourrental periods of an Alamocompact-full size car in theUnited States and Canada.Includes unlimited mileageand is valid for use any day of the week. Advance reservation required, subjectto availability. Renter mustmeet standard age, driver and credit requirements.Please refer to Terms andConditions for further details.

25,000

2 Day Universal Studios® Orlando 2 Park

Experience all the thrills and adventures at UniversalStudios® Orlando. Get an inside look at the sets anduncover the behind-the-scenes secrets of legendary filmswith 2-day unlimited Park to Park access to UniversalStudios or Islands of Adventure as well as admission toselect CityWalk venues. Tickets do not expire and unuseddays have no expiration (but are not transferable). Notvalid for separately ticketed concerts and special events.Proof of ID may be required.

Adult Ticket 25,000

Child Ticket 25,000

Note: Some events/venues are for adults ages 21 and over only.

Universal Studios® of Orlando



Let them choose their ownaward! Marriott Cheques can be used at any MarriottHotels & Resorts, JWMarriott Hotels & Resorts,Renaissance Hotels & Resorts,Courtyard, Residence Inn,Fairfield Inn, TownePlaceSuites, SpringHill Suites and Marriott Vacation Club International (rentals only) locations foraccommodations, dinner,souvenirs at the gift shop.

30,000


Valid for $150 off the totalpurchase price of anyairline ticket.

30,000

Hertz Car Rental $150 Voucher

Hertz offers a wide variety of current-model cars on a short-term rental basis — daily, weekly or monthly — at airports, in downtown and suburban business centers, and in residential areas and resort locales. Hertz car rentalvouchers are valid at corporate locations worldwide. This voucher will be received within 3-4 weeks signaturerequired priority mail. The voucher contains a reservationcode and toll free number for you to reference when callingthe voucher provider to arrange your reservation. Usage of this voucher is subject to availability with the namedprovider. Vouchers may not be returned once received byaward recipient.

30,000


Valid for $150 off the totalpurchase price of anyairline ticket.

30,000


$200 Off International Airline Ticket

Valid for $200 off the totalpurchase price of any airlineticket.

40,000



40,000

$150 Ritz-Carlton® Currency

Guests may use The Ritz-Carlton currency for dining, sample the delights of a spa or take home an elegantmemento from a Ritz-Carlton gift shop. This voucher will be received within 3-4 weeks signature required prioritymail. The voucher contains a reservation code and toll free number for you to reference when calling the voucherprovider to arrange your reservation. Usage of this voucheris subject to availability with the named provider. Vouchersmay not be returned once received by award recipient.

30,000


Valid for two (2) 24-hourrental periods of an AlamoPremium/Luxury size car in the United States andCanada. Includes unlimitedmileage and is valid for use any day of the week.Advance reservationrequired, subject toavailability. Renter mustmeet standard age, driver and credit requirements.Please refer to the Terms and Conditions for furtherdetails.

30,000


$500 Off DomesticAirline Ticket


70,000


Valid for $500 off the total purchase price of anyairline ticket.

70,000

Free Domestic Round-Trip Airline Ticket

Valid for one round-trip economy class airline ticket within the48 U.S. contiguous states on a scheduled U.S. carrier. Airlinetickets are subject to availability at time of booking, mustinclude a 21-day advance purchase and a Saturday night stay.Tickets are non-refundable and non-changeable after issuanceunless permitted by terms of the ticket. Other restrictions may apply.

50,000

1 Night Courtyard®/SpringHills Suites® Award

Relax and refresh in a roomat any one of 750 locationsaround the world. Plus, enjoy breakfast for two the next morning. Stay one night any day of theweek. All applicable roomtaxes included.

40,000

42

General Terms and Conditions• You agree to the terms and conditions of the MegaRewards program by signing an

enrollment application in one of our branches or, if you apply over the telephone, byusing your Charter One Bank Debit Card with MegaRewards for the first time afterapplying for the program.

• Eligibility is restricted to Charter One Bank's Business account holders whoseaccounts and cards are in good standing.

• Points are accumulated for signature purchases when you use your card as a MasterCard® card; Point of Sale PIN purchases are not eligible for MegaRewardspoints. Any cash advances, internet lottery, betting or gaming transactions or anyillegal transactions are also not eligible for MegaRewards points.

• Once enrolled, points are accumulated for all qualified purchases made with eligibleCharter One Bank Debit Cards with MegaRewards linked to the enrolled checkingaccount.

• Transactions made using a Charter One Bank Make-A-Difference MasterCard DebitCard are not eligible to earn MegaRewards points.

• Points earned using more than one Charter One Bank Debit Card with MegaRewardsthat are tied to the same checking account will accumulate on a combined basis andwill appear on your monthly checking account statement.

• Business MegaRewards program and benefits are offered at the sole discretion ofCharter One Bank who reserves the right to cancel, change or temporarily suspend theprogram at any time without notice. Cancellation or suspension could result in theforfeiture of earned points and a change in the redemption of any outstanding rewards.

• Charter One Bank reserves the right to amend terms and conditions as well as feesat any time without notice. In addition, bank can amend available rewards, levels ofpoints required for a specific reward, level of points earned for purchases andeligible level of points allowed in a given period.

• Charter One Bank reserves the right to disqualify any cardholder from participatingin the program and to invalidate all MegaRewards points for abuse, fraud or anyviolation of the program terms and conditions at its sole discretion.

• You can earn up to 10,000 MegaRewards Points per month per card number and100,000 MegaRewards Points per calendar year per card. In addition, specialopportunities to earn MegaRewards Bonus Points may be provided and maximumpoint accumulation limits may apply.

• All rewards are subject to availability. Certain restrictions apply. MegaRewardsProgram void where prohibited by federal, state, or local law.

• Should Charter One Bank decide to terminate the program, and accepting and usingprogram rewards, the account holder or any other beneficiary of program rewardsrelease, discharge, and hold harmless Charter One Bank, MasterCard, the programadministrator, and their respective subsidiaries, affiliates, employees, officers,directors, successors and assigns from all claims, damages or liability including butnot limited to physical injury or death, arising out of participation in the program.

• The cardholder is responsible for any personal tax liability related to participation inthe program or as a result of points earned and/or redeemed.

• All points earned while enrolled are immediately forfeited if the membership iscanceled for any reason.

• For certain promotions our ability to award Bonus Points is dependent oninformation required to be provided to us by the merchant as part of the transaction.

Point Redemption • You must be actively enrolled in MegaRewards in order to redeem points.• Points must be posted to account and on statement in order to be redeemed.• Any signer on a checking account can redeem points earned on the account using

a Charter One Bank Debit Card. • To redeem points for rewards, logon to charterone.com or call 1-888-333-7580,

9 a.m. to 9 p.m. (Eastern Time) Monday - Friday and 10 a.m. to 7 p.m. (Eastern Time)Saturday & Sunday.

• Once enrolled in the program, the cardholder will accumulate 1 point for each U.S.dollar in qualified net purchases. "Net Purchase" is defined as the dollar value of goodsand services purchased with the card after the enrollment date, minus any credits,returns, or other adjustments as reflected on the monthly account statements,excluding card-related service charges, fees, and/or unauthorized charges.

• The cardholder will accumulate 1 additional point for each U.S. dollar in qualifiedAutoPay transactions as part of the AutoPay bill pay bonus point program. AutoPaytransactions are prescheduled recurring payments using your debit card. Our abilityto identify AutoPay transactions and award bonus points is dependent oninformation required to be provided to us by the merchant or service provider aspart of the transaction. Charter One Bank reserves the right to discontinue thisprogram at any time without notice.

• Points are valid for three years.

43

• These rewards have no cash value and are not transferable except as used inaccordance with the Terms and Conditions of the program and reward suppliers.

• Redemption fees are assessed as follows: Fee Point Levels Charged

Merchandise/Gift Card/Gift Certificate Fulfillment Fee $ 5.00 5,000 points and aboveAirline Ticketing FeeDomestic $30.00 All applicable LevelsAirline Ticketing FeeInternational $50.00 All applicable LevelsTravel Packages $30.00 All applicable LevelsExpedited Delivery $20.00 All applicable Levels(Travel documents only.)

• Cardholder must notify Rewards Center within 90 days to report non-receipt of anitem.

Bonus Interest on Charter One Bank Certificate of DepositSee a banker for product details and FDIC coverage amounts. Accounts subject toapproval. Not to be combined with any other offer.

Free Domestic Round Trip Airline Tickets • Reward points may be redeemed for travel on any U.S. airline for travel between, and

within, the 48 contiguous states, and are valid only for travel in Economy Class andmust be booked through CLG/Charter One Bank. Round-trip travel must be on thesame airline. Airline tickets have limited restrictions, based on availability at time ofbooking.

• Reservations must be made at least 21 days in advance, and a Saturday night stay isrequired. Minimum or maximum stays apply to certain fare categories. Stopovers arenot permitted unless made to connect to another flight, and no more than twoconnections in each direction may be made.

• Seats are subject to availability in the advance purchase fare category defined at thetime of booking. Tickets will be issued within 24 hours of booking, and delivered byU.S. Mail as applicable. Next day, Saturday and International deliveries by courier aresubject to additional shipping charges and billed to the cardholder’s card account. Anairline ticketing fee of $30 (This refers to FREE ticket which is domestic only, no

international) will be charged for the issuance of airline tickets, payable by theaccount holder. Account holder is responsible for payment of any Passenger FacilityCharges, air segment taxes, departure taxes, customs fees, excess baggage chargesor any other charges assessed by governmental entities as a result of travel underthis program. A September 11th U.S. security fee of up to $10 maximum will also beassessed.

• Tickets may be issued in any name designated by the account holder. Tickets are non-refundable and non-transferable. Lost, stolen, or expired tickets may be replaced atthe discretion of the airline and are subject to applicable fees.

Travel PackagesReservations must be made at least 30 days prior to day of departure, subject toavailability. Once a booking has been made, the following change fees will apply:Days Prior to Departure Fee

30 days or more $15 per change PLUS any applicable travel supplier change fee

0 - 29 days $25 per change PLUS any applicable travel supplier change fee

Travel documents are the responsibility of the account holder.

Miscellaneous TravelFree Companion Certificate® Free Companion Certificate expires one year from dateof issuance. Applies to base fare only. Recipients will receive Registration Form thatmust be completed and returned to Lifestyle Vacation Incentives. Upon receipt you willreceive an Activation Voucher with a toll-free number to call to book your flight. Otherrestrictions apply. No exchanges or refunds.1 Day National® Compact-Full Car Rental National Car Rental is one of the world'slargest car rental companies, with approximately 3,000 locations in 72 countries acrossthe globe. Voucher valid for up to one 24-hour rental period of a compact through a fullsize 4-door car in the United States. Please refer to the Terms and Conditions for furtherdetails. National Car Rentals vouchers have expiration dates, please see specificcertificate for details.1 Night Fairfield Inn by Marriott® This voucher will be received within 3-4 weekssignature required priority mail. The voucher contains a reservation code and toll freenumber for you to reference when calling the voucher provider to arrange your

44

reservation. Usage of this voucher is subject to availability with the named provider.Vouchers may not be returned once received by award recipient. Marriott and Ritz-Carlton cheques and awards expire 15 months from date of issuance.1 Day Alamo® Premium-Luxury Car Rental Does not include fuel, taxes, insurance orany optional coverage. Restrictions apply. Vouchers may not be combined. Thisvoucher will be received within 3-4 weeks signature required priority mail. The vouchercontains a reservation code and toll free number for you to reference when calling thevoucher provider to arrange your reservation. Usage of this voucher is subject toavailability with the named provider. Vouchers may not be returned once received byaward recipient. 2 Day Alamo® Compact-Full Car Rental Does not include fuel, taxes, insurance or anyoptional coverage. Restrictions apply. Vouchers may not be combined. This voucherwill be received within 3-4 weeks signature required priority mail. The voucher containsa reservation code and toll free number for you to reference when calling the voucherprovider to arrange your reservation. Usage of this voucher is subject to availability withthe named provider. Vouchers may not be returned once received by award recipient. Ritz Carlton® Currency Ritz-Carlton Currency is valid at all Ritz-Carlton hotelsworldwide. It is not necessary to be a registered guest to use Ritz-Carlton Currency.Ritz-Carlton Currency may be used for all publicly listed and available room rates andpackages, but cannot be used for convention, travel industry, tour, advance purchase,catering or group room rates. They are not replaceable if lost, stolen, destroyed orexpired. See reverse side of Currency for complete terms and conditions. Marriott andRitz-Carlton cheques and awards expire 15 months from date of issuance.$100 Hertz Car Rental Gift Voucher The voucher contains a reservation code and tollfree number for you to reference when calling the voucher provider to arrange yourreservation. Usage of this voucher is subject to availability with the named provider.Valid at corporate locations worldwide. Up to three vouchers may be combined.Cannot be combined with any other discount, coupon or promotion. See voucher forfull terms and conditions. Vouchers may not be returned once received by awardrecipient. 1 Night Hyatt® Classic Level Certificate This voucher will be received within 3-4 weekssignature required priority mail. The voucher contains a reservation code and toll freenumber for you to reference when calling the voucher provider to arrange yourreservation. Usage of this voucher is subject to availability with the named provider.Vouchers may not be returned once received by award recipient. Hyatt certificatesexpire 15 months from date of issuance.

2 Day National® Compact-Full Car Rental National Car Rental is one of the world'slargest car rental companies, with approximately 3,000 locations in 72 countries acrossthe globe. Voucher valid for up to two 24-hour rental periods of a compact through afull size 4-door car in the United States. Please refer to the Terms and Conditions forfurther details. National Car Rentals vouchers have expiration dates, please see specificcertificate for details. 3 Day Alamo® Standard Car Rental Does not include fuel, taxes, insurance or anyoptional coverage. Restrictions apply. Vouchers may not be combined. This voucherwill be received within 3-4 weeks signature required priority mail. The voucher containsa reservation code and toll free number for you to reference when calling the voucherprovider to arrange your reservation. Usage of this voucher is subject to availability withthe named provider. Vouchers may not be returned once received by award recipient. 2 Day Alamo® Premium-Luxury Car Rental Does not include fuel, taxes, insurance orany optional coverage. Restrictions apply. Vouchers may not be combined. Thisvoucher will be received within 3-4 weeks signature required priority mail. The vouchercontains a reservation code and toll free number for you to reference when calling thevoucher provider to arrange your reservation. Usage of this voucher is subject toavailability with the named provider. Vouchers may not be returned once received byaward recipient.

Merchandise/Gift Certificates/Gift Cards/Magazines• Merchandise rewards include applicable sales tax and shipping and handling within

the 48 contiguous United States.• Returns are only accepted for merchandise that is damaged, defective, or

misshipped. The manufacturer’s warranty applies to all merchandise rewards offered.• International shipping fees for Merchandise Rewards are the responsibility of the

account holder.• Delivery of merchandise and gift certificates/gift cards will be made by ground

delivery service or first-class mail and merchandise deliveries can not be made to apost office box. Please allow four to six weeks from time of order for delivery.

• Your fully paid magazine subscription is purchased by Charter One Bank and selectedtitles are available while supplies last. Publishers reserve the right to limit availability.We reserve the right to substitute a similar title, if necessary. Offer limited todomestic addresses only. Subscriptions become part of the publishers’ database andmay be used for third party promotions at publishers discretion. Please allow 6 to 10weeks for delivery of first issue.

Charter One Bank Gift CardThe terms and conditions of the Gift Card are separate from the terms of theMegaRewards® program and will arrive with the Gift Card. Use of the Gift Card constitutesacceptance of the Gift Card Terms and Conditions. The Gift Card Terms and Conditionsare also available online at charterone.com. If the Charter One Bank Gift Card design thatyou select is out of stock, we reserve the right to substitute a different card design.

Annual Membership Fee• Annual Membership Fee is waived for first three months.• At the end of three months your regular membership goes into effect and a $25

membership fee is automatically deducted from your checking account. Yourmembership will be automatically renewed in the anniversary month of yourenrollment. If you prefer, you may redeem 3,000 MegaRewards® points and haveyour fee waived. Logon to charterone.com and follow the MegaRewards prompts orcall 1-888-333-7580.

• If you cancel your membership prior to your anniversary month, you will not becharged the membership fee for the following year.

• If you cancel your program membership and re-enroll at a later date, you will becharged the $25 Annual Membership Fee at the time of re-enrollment.

• The MegaRewards membership fee is automatically waived for Charter One BankMasterCard Debit Card AutoPay customers who have had Debit Card AutoPay billpayment activity in the month prior to their MegaRewards anniversary date.

DisclaimersApplebee’s International, Inc. is not affiliated with Charter One Bank and shall not beconsidered a sponsor or co-sponsor of this program. Applebee’s International, Inc.shall not be liable for delivery of any gift cards promised, earned, purchased orotherwise offered through this program. “Applebee’s” and the Applebee’s logo are usedwith permission of Applebee’s International, Inc. and such marks constitute registeredtrademarks or service marks of Applebee’s International, Inc. Terms and conditions areapplied to gift cards. Please see the Applebee’s gift card for additional terms andconditions, which are subject to change at the sole discretion of Applebee’sInternational, Inc.Bath & Body Works is not a sponsor of this promotion and is not affiliated with CharterOne Bank. The Bath & Body Works® name and logo are registered trademarks ofBathco, Inc.

Bed Bath & Beyond® is not a participating partner in or sponsor of this promotion. BedBath & Beyond® is a registered trademark. Eddie Bauer® is a registered trademark of Eddie Bauer, Inc. Eddie Bauer GiftCertificates/Gift Cards have no cash value and cannot be combined with any other typeof certificate, coupon or discount promotion, including the Eddie Bauer Rewards™Program. Certificates/cards cannot be redeemed for cash, or applied as payment to anycredit card account or for prior or pending purchases. Eddie Bauer is not responsiblefor lost or stolen certificates, or for funds used without your knowledge or otherunauthorized use. Refunds or replacements may be issued with original proof ofpurchase or as required by law. All taxes, shipping and handling charges are theresponsibility of the holder. Gift Certificates/Gift Cards can be redeemed by mail ordercatalog (1-800-426-8020), online (www.eddiebauer.com) or at any Eddie Bauer store inthe United States or Canada. To find the Store nearest you call 1-800-552-8943.Best BuyTM is not affiliated with Charter One Bank. Best BuyTM does not sponsor,endorse, approve or have any responsibility for this promotion. Please see back of cardfor terms and conditions.BP Gift Cards can only be used for purchases at participating BP and ARCO locationsin the U.S. Use of the BP Gift Card is subject to the terms and conditions printed on thecards. BP is not affiliated with Charter One Bank, BP is not a sponsor or co-sponsor ofthis promotion. The BP name and logo are registered trademarks of BP p.l.c.The Best Western Travel Card can be used to pay for charges at more than 4,200 BestWestern hotels worldwide. Travel Card is fully transferable. Not exchangeable for cashin part or other substitutions and no change will be given. Travel Card not replaced iflost, stolen or destroyed. Travel Cards do not expire. Terms are void where prohibitedby law. Issued in Arizona, USA, by Best Western International, Inc. Best WesternInternational, Inc. is not a sponsor or co-sponsor of this program and is not affiliatedwith Charter One Bank. Each Travel Card is subject to terms and conditions aspublished at www.travelcard.bestwestern.com, as amended. The Best Western nameand logo are registered trademarks of Best Western International, Inc. Each BestWestern hotel is independently owned and operated. All rights reserved.Borders® and Waldenbooks® are not sponsors of this promotion. See back of gift card for complete terms and conditions, which are subject to change atBorders/Waldenbooks' sole discretion.Comp USA. Not redeemable online. Card must be activated before use. Only valid forretail purchases of products and services at any CompUSA retail store. Not valid forcorporate, government, education, mail order, direct or Internet purchases. This cardmay not be redeemed for cash, except where required by law. This card may not be 45

46

applied as payment to your CompUSA credit card(s). Lost, stolen or damaged gift cardswill not be canceled and replaced without the required proof of purchase. Contact yourlocal store for details. After 12 consecutive months of non-use, a dormant accountcharge of $2.00 may be deducted each month from the remaining card balance, exceptwhere prohibited by law. This dormancy charge will not be refunded. CompUSA is notresponsible for unauthorized use of this card number. This card has no cash value.©2003 CompUSA Management Company.The CVS Gift Card may be used toward purchases at any CVS/pharmacy®. Purchaseexceptions apply. This card is not redeemable for cash. CVS cannot replace or replenishthe card if it is lost, stolen, or used without your authorization.Darden Restaurants (Red Lobster®, Olive Garden®, Smokey Bones®, Bahama Breeze®)is not affiliated with Charter One Bank. Use of Darden Restaurants names, logos,images or trademarks requires written approval from Darden Restaurants.Fairfield Inn by Marriott® This award is valid at all Fairfield Inn locations. This award isnot valid at Marriott® Hotel, Resort or Suite; Courtyard® by Marriott; TownePlace Suites®

by Marriott; SpringHill Suites®; Marriott's Vacation ClubSM; Marriott® ExecuStay; orResidence Inn® by Marriott. Awards may not be valid where restricted by law. Guestmust present and surrender the award at check-in. This award may be used to pay fora guest room including tax, and continental breakfast and not to pay for other food,beverage, parking, non-room-related service charges, other taxes or other incidentals.This award is good for one guest room for the number of night(s) shown on the frontof this award. Awards are not redeemable for cash and are void if sold for cash or otherconsideration. Awards are not replaceable if lost, stolen, destroyed, or expired. Awardmay not be resold. Participating properties are subject to change.The Home Depot® is a registered trademark of Homer TLC, Inc. The Home Depot® is nota sponsor of this promotion. Charter One Bank is not affiliated with The Home Depot®.Song codes may expire, can not be used to purchase albums, videos or audio books,are not redeemable for cash and cannot be returned for a cash refund or used topurchase song certificates. Song Codes must be redeemed through the iTunes MusicStore, open only to persons above the age of 13 in the U.S. iTunes 4.7 or later andcompatible hardware is required. Acceptance of the use and license terms is required.Internet access is required. Data collection and use are subject to Apple's PrivacyPolicy, which can be found at http://www,apple.com/legal/privacy. Apple is notresponsible for lost or stolen song codes. Apple and its affiliates and licensors make nowarranties, express or implied, with respect to song certificates. Apple reserves theright to change any of these terms and conditions from time to time without notice.Void where prohibited or restricted by law. Risk or loss and title for song certificates

pass to the holder upon transfer. Music purchases from the iTunes Music Store is forpersonal use only, any other use will constitute the theft of music. iTunes and iTunesMusic Store are registered trademarks of Apple Computer, Inc. All rights reserved.JCPenney is not a sponsor of this promotion and is not affiliated with Charter One Bankand/or the MegaRewards Program. Terms and conditions are applied to giftcertificates/gift cards. Terms and Conditions for JCPenney Gift Cards are listed on theback of the Gift Cards and also at www.jcpenney.com. The JCPenney name and logo areregistered trademarks of J.C.Penney Company, Inc.Kohl's is not a sponsor of this promotion and is not affiliated with the “JNR Inc.” or“Charter One”. KOHL'S and KOHL'S brand names are trademarks of Kohl's Illinois, Inc.Macy's is not affiliated with Charter One Bank and is not a sponsor of this promotion.Your Gift Card may be used to purchase merchandise and in-store services at anyMacy's store or on-line at Macys.com and macysweddingchannel.com only. Additionalreturns may be applied to this card. It may not be redeemed for cash or applied as apayment or credit to your credit card account. When you make a purchase with yourGift Card, your receipt will show your remaining balance. Please safeguard your GiftCard. The bearer is responsible for its loss or theft. If your Gift Card is lost or stolen,and you have proof of purchase, we will issue you a replacement for the balance shownon our records. To check the balance of your Gift Card, call 1-800-511-2752 or see aMacy's Sales Associate. You Gift Card is required for all inquiries.Marriott® Cheques Marriott Cheques are valid at all Marriott and Renaissance Hotels &Resorts; Courtyard; Residence Inn; TownePlace Suites; Fairfield Inn; SpringHill Suitesand Marriott Vacation Club locations. It is not necessary to be a registered guest to useMarriott Cheques. If a registered guest, charge goods and services to the room andpresent the cheque at the front desk at check-in or check-out. If a non-registered guest,present the cheque at the time of purchase. The total charges will be reduced by theface value of the cheque. Credit must be established at check-in by presenting a validform of payment, which may include presenting Marriott Cheques. Marriott Chequesmay not be acceptable at concessions within the hotel not owned or operated byMarriott or Renaissance. Change will not be given on cheques presented as paymentfor goods and services. Marriott Cheques may be supplemented by payment of cash orvalid credit card. Marriott Cheques may be used for all publicly listed and availableroom rates and packages, but cannot be used for convention, travel industry, tour,advance purchase, catering, or group room rates. Marriott Cheques are not replaceableif lost, stolen, destroyed or expired. Marriott Cheques are accepted at face value in U.S.dollars. Cheques will be converted into local currency value at the hotel's currentexchange rate. Marriott Cheques may not be resold.

McDonald's, Arch Card and the Golden Arches Logo are trademarks of McDonald'sCorporation and its affiliates, used with permission. McDonald's is not affiliated withCharter One Bank and is not a sponsor of this promotion. Terms and conditions applyto McDonald's Arch Cards. See terms and conditions printed on back of card or visitwww.mcdonalds.com.Pier 1 Imports® is not affiliated with the MegaRewards Program. Pier 1 and Pier 1Imports are registered trademarks of Pier 1 Services Company.Pizza Hut® Card is redeemable at any participating Pizza Hut® location in the United States.It is not redeemable for alcohol, Pizza Hut® Cards or cash. Lost, stolen, or damaged PizzaHut® Cards will not be cancelled or replaced without the required proof of purchase. After12 months of non-use, a $1.00 per month service fee will be deducted from the remainingbalance until depleted. The purchase and/or use of this card constitutes acceptance ofthese terms and conditions, except that a term or condition will not be effective whereprohibited by law. Pizza Hut® Card issued by PHGC, Inc. The Pizza Hut name logos andrelated marks are registered trademarks of Pizza Hut, Inc.Regal Entertainment Group is not a sponsor of this promotion and is not affiliated withCharter One Bank and/or the MegaRewards Program. The Regal Entertainment Groupname and logo are registered trademarks of Regal Entertainment Group, Inc. Includedin the $50.00 reward is two Ultimate Premiere Movie Packs. Each pack includes twounrestricted movie tickets and a $10.00 gift certificate good toward any concession orbox office purchase.Residence Inn/TownePlace Suites®. This award is valid at the Residence Inn by Marriottand TownePlace Suites by Marriott locations listed on the award. This award is NOTvalid at Marriott® Hotels & Resorts; Courtyard® by Marriott; SpringHill Suites® byMarriott or Fairfield Inn by Marriott locations. Awards may not be valid where restrictedby law. Guest must present and surrender the award at check-in. This award may beused to pay for the expense of a two-bedroom penthouse, breakfast and related taxesonly, and not to pay for other food, beverage, parking, service charges, other taxes orother incidental charges. Breakfast is not included at TownePlace Suites. SomeResidence Inn locations may require a credit card guarantee or a deposit to hold theroom. Awards are not redeemable for cash and are void if sold for cash or otherconsideration. Awards are not replaceable if lost, stolen, destroyed or expired. Awardmay not be resold. Participating properties are subject to change. Sea World, Inc. ®, Busch Entertainment Corporation® are not affiliated with Charter OneBank and are not a partner or sponsor of this program. Sephora is not affiliated with Charter One Bank and is not a participating partner in orsponsor of this promotion. The Sephora® name and logo are registered trademarks of

Sephora SA and are used by license by Sephora USA, Inc. Sephora is not responsiblefor lost or stolen gift cards. Please see the back of the gift card for all terms andconditions of use.Staples is neither a sponsor of MegaRewards nor an affiliate of Charter One Bank.MegaRewards® is a program provided by Charter One Bank. Staples gift cards are valid inU.S. stores only. Please see back of gift card for complete terms and conditions of use.The Bullseye Design and Target are registered trademarks of Target Brands, Inc. Allrights reserved. Target is not a participating partner in or sponsor of this offer.At Toys "R" Us we believe in offering great selection and value. That's why we'vedeveloped an exclusive line of high-quality, affordable toys that can be found only atToys "R" Us and Toysrus.com. Toys "R" Us is not a sponsor or co-sponsor of thispromotion. Please see back of gift card for terms and conditions of use. Toys "R" Us,Inc. is not liable for any alleged or actual claims related to this offer. Charter One Bank is not affiliated with Wal-Mart Stores, Inc. The services, products, oractivities of Charter One Bank are neither endorsed nor sponsored by Wal-Mart Stores, Inc.Walt Disney World® Resort and Disneyland® Resort are not affiliated with Charter OneBank and are not a partner or sponsor of this program.Universal Studios® is not affiliated with Charter One Bank and is not a partner or asponsor of this program.

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