Growing America's Premier Financial Services Company

Successful Track Record Diluted EPS Business exit costs Goodwill amortization 15% Compound Growth $7.07 $5.33 Versus First Call estimate in June '01 $5.25 $5.91 Versus First Call estimate in June '02 $5.66 Versus First Call estimate in June '03 $6.30 $4.18 Reported EPS 2001 2002 2001-$4.18 reported EPS has been adjusted to exclude $.77 impact of business exit costs as well as $.38 goodwill amortization expense eliminated in 2002 for comparability to other periods. 3 2003 Consensus Bank of America Higher Standards

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