Bank of America Investor Conference Presentation Deck

Appropriate Reserve Levels Loan Portfolio Breakdown $403 Billion as of 9/30/00 Mortgage & Home Equity- 29% Commercial & Comm'l R/E 51% Card 3% Other Consumer 17% Mortgage & Home Equity 4% Commercial & Comm'l R/E 55% Reserve Allocations $6.7 Billion as of 9/30/00 Card 7% Other Consumer 17% Unassigned 17% Bank of America 14

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