You see, Panini isn't the only company that likes to recycle their photos as Topps did as well. At least for these two Kerry Collins cards.
Here's a look at the 2009 Bowman Chrome refractor Collins again
Here's the 2009 Topps Chrome version
Here they are side by side
Same photo, just Kerry showing off less leg.
Here's the back of the 2009 Topps Chrome refractor with the infamous words refractor on the back.
These refractors fell 1:3 packs in 2009 Topps Chrome football boxes.
I grabbed this for $1, so not a bad deal!