Bank of America Investor Conference Presentation Deck

Comparative Reserve Adequacy Commercial R/E Bank of America Loan Mix Commercial Commercial R/E 12% Commercial 48% Mortgage & Home Equity 29% Peer* Loan Mix Card 3% Other Consumer 17% Mortgage & Home Equity 21% Card Other Consumer 15% Allowance as a % of Loans 2.00% 1.75%- 1.50%- 1.92% 1.77% 1.67% Peer* additional required reserve levels to match Bank of America coverage Peer* group Chase Manhattan includes 9 large regional banks and Bank of America Peer* Reserve Coverage Bank of America Reserve Coverage

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