Final answer:
The finance charges for the first year cannot be determined from the information provided because critical details such as the interest rate and initial balance are missing. Additional information is needed for an accurate calculation.
Step-by-step explanation:
The question provided seems to be missing critical information that would enable us to compute the finance charges for the first year. Without knowing the initial balance, the interest rate, the length of the promotional period, or the typical terms of the finance charges, it is impossible to accurately calculate the finance charges owed.
To answer such a question correctly, one would typically use the formula for calculating compound interest or a similar finance charge formula based on the specifics of the credit card's terms.
In the case of the student's question, please provide the additional required information so that a precise calculation can be undertaken. Additionally, the reference information about bonds, late payment fees, and pollution charges seem unrelated to the calculation of finance charges on a promotional rate balance.