Growing America's Premier Financial Services Company
Forward Looking Statements
This presentation contains forward-looking statements, including statements about the
financial conditions, results of operations and earnings outlook of Bank of America
Corporation and FleetBoston Financial. The forward-looking statements involve certain
risks and uncertainties. Factors that may cause actual results or earnings to differ
materially from such forward-looking statements include, among others, the following: 1)
projected business increases following process changes and other investments are lower
than expected; 2) competitive pressure among financial services companies increases
significantly; 3) general economic conditions are less favorable than expected; 4) political
conditions and related actions by the United States military abroad may adversely affect
the company's businesses and economic conditions as a whole; 4) changes in the interest
rate environment reduce interest margins and impact funding sources; 5) changes in
foreign exchange rates increases exposure; 6) changes in market rates and prices may
adversely impact the value of financial products and assets; 7) legislation or regulatory
environments, requirements or changes adversely affect the businesses in which the
company is engaged; 8) litigation and regulatory liabilities, including costs, expenses,
settlements and judgments, may adversely affect the company or its businesses; and 9)
decisions to downsize, sell or close units or otherwise change the business mix of any of
the company. For further information regarding either company, please read the Bank of
America and FleetBoston Financial reports filed with the SEC and available at
www.sec.gov.
Bank of America
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