Growing America's Premier Financial Services Company

Capital Returned to Shareholders ($ in millions) " Returned more than $47 billion in capital since 1998 Improved Tier 1 capital ratio more than 100 basis points 1998 1999 2000 2001 2002 Dividends Repurchases EOP Common Shares 1,724 1,677 1,614 1,559 1,501 1,489 Tier 1 7.06% 2-A YTD 2003 Tier 1 8.25% $47,249 3,116 5,565 19,637 Cumulative 27,612 Bank of America Higher Standards

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