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Results were expresses michael buble official also adversely the way you look tonight buble investigates impacted bythe absence of earnings due to the sale of certain businesses and foreignoperations during 2007. Credit costs rose, primarily in the residentialmortgage portfolio due to deterioration in the housing markets and the impactsof a slowing economy.Transition Update(Merrill Lynch results are not part of Bank of America fourth-quarter orfull-year 2008 results)Merrill Lynch was acquired on January 1, 2009 creating a premier financialservices franchise with significantly enhanced wealth management, investmentbanking and international capabilities.Merrill Lynch preliminary results indicate a fourth-quarter net loss of$15.31 billion, or $9 Michael Buble tickets – wikipedia .62 per diluted share, driven by severe capital marketsdislocations.Merrill Lynch’s Global Wealth Management division generated $2.6 billionin net revenue in the period as fees held up well in the declining markets.The strongest performance came from the U.S. Advisory portion of the business.Retention of financial advisors remains consistent with historical trends.Significant negative fourth-quarter items for Merrill Lynch include:– Credit valuation adjustments related to monoline financial guarantorexposures of $3.22 billion.– Goodwill impairments of $2.31 billion.– Leveraged loan writedowns of $1.92 billion.– $1.16 billion in the U.S. Bank Investment Securities Portfoliowritedowns.– Commercial real estate writedowns of $1.13 billion.The LaSalle transition reached a significant milestone in the quarter withsuccessful systems conversions, marking the completion of the integration. Inaddition, cost savings exceeded original projections.The integration of Countrywide is on track and expected to reach targetedcost savings, which are currently expected to be around $900 million after-taxand are expected to be fully realized by 2011.Note:Chief Executive Officer Kenneth D Lewis and Chief FinancialOfficer Joe L. Price will discuss fourth-quarter 2008 results in a conferencecall at 7 a.m (Eastern Time) today.

The presentation and supporting materialscan be accessed on the Bank of America Investor Relations Web site at For a listen-only connection to theconference call, dial 877.585.6241 (domestic) or 785.424.1732 (international)and the conference ID: 79795.Bank of AmericaBank of America is one of the world’s largest financial institutions,serving individual consumers, small and middle market businesses and largecorporations with a full range of banking, investing, asset management andother financial and risk-management products and services michael buble wife . The companyprovides unmatched convenience in the United States, serving more than 59million consumer and small business relationships with more than 6,100 retailbanking offices, nearly 18,700 ATMs and award-winning online banking withnearly 29 million active users save the last dance for me buble . Following the acquisition of Merrill Lynch onJanuary 1, 2009, Bank of America is among the world’s leading wealthmanagement companies and is a global leader in corporate and investmentbanking and trading across a broad range of asset classes servingcorporations, governments, institutions and individuals around the world kissing a fool buble . Bankof America offers industry-leading support to more than 4 million smallbusiness owners through a suite of innovative, easy-to-use online products andservices The company serves clients in more than 40 countries i want to go home buble . Bank ofAmerica Corporation stock (NYSE: BAC) is a component of the Dow JonesIndustrial Average and is listed on the New York Stock Exchange.Forward-Looking StatementsBank of America may make forward-looking statements, including, forexample, statements about management expectations and intentions regarding ourfuture financial results, integration plans and cost savings, growthopportunities, business outlook, loan and deposit growth, mortgage production,credit losses, and other similar matters.

These forward-looking statements arenot historical facts, but instead represent Bank of America’s currentexpectations, intentions or forecasts of future events, circumstances orresults michael buble fan . These statements are not guarantees of future results or performanceand involve certain risks, uncertainties and assumptions that are difficult topredict and often are beyond Bank of America’s control feeling good buble . Actual outcomes andresults may differ materially from those expressed in, or implied by, any ofthese forward-looking statements.You should not place undue reliance on any forward-looking statement andshould consider the following possible events or factors that could causeresults or performance to differ materially from those expressed in theforward-looking statements:negative economic conditions; changes in interestrates and market liquidity; changes in foreign exchange rates; adversemovements and volatility in debt and equity capital markets; changes in marketrates and prices, which may adversely impact the value of financial productsand instruments; estimates of fair value of assets and liabilities;legislative and regulatory actions in the United States and internationally;liabilities resulting from litigation and regulatory investigations; changesin domestic or foreign tax laws, rules and regulations and governmentalinterpretations thereof; monetary and fiscal policies and regulations; changesin accounting standards, rules and interpretations; increased competition; theability to grow Bank of America’s core businesses; the ability to develop andintroduce new banking-related products, services and enhancements; mergers andacquisitions and their integration; decisions to downsize, sell or close unitsor otherwise change Bank of America’s business mix; management’s ability toidentify and manage these and other risks; and the other risk factorsdiscussed in Bank of America’s Annual Report on Form 10-K for 2007, QuarterlyReport on Form 10-Q for the quarter ended September 30, 2008, and in any ofBank of America’s other subsequent SEC filings Michael Buble tickets – michaelbuble .Forward-looking statements speak only as of the date they are made, andBank of America undertakes no obligation to update any forward-lookingstatement to reflect the impact of circumstances or events that arise afterthe date the forward-looking statement was made. May Contact:Kevin Stitt, Bank of America, 1.704.386.5667Lee McEntire, Bank of America, 1.704.388.6780Grace Yoon, Bank of America, 1.212.449.7323Reporters May Contact:Scott Silvestri, Bank of America, Bank of America Corporation and SubsidiariesSelected Financial Data(Dollars in millions, except per share data; shares in thousands)Summary Income Three Months EndedStatementDecember 31Year Ended December 312008 2007 2008 2007Net interest income$13,106 $9,165$45,360$34,441Total noninterest income2,5743,639 27,422 32,392Total revenue, net of interest expense 15,680 12,804 72,782 66,833Provision for credit losses8,5353,310 26,8258,385Noninterest expense, before merger and restructuring charges10,641 10,269 40,594 37,114Merger and restructuring charges 306140935410Income (loss) before income taxes (3,802)(915) 4,428 20,924Income tax expense (benefit)(2,013)(1,183) 4205,942Net income (loss)$(1,789)$268 $4,008$14,982Preferred stock dividends 603 531,452182Net income (loss) applicable to common shareholders$(2,392)$215 $2,556$14,800Earnings (loss) per common share $(0.48) $0.05$0 Michael Buble tickets .56$3.35Diluted earnings (loss) per common share (1) (0.48)0.05 0.55 3.30Summary AverageThree Months Ended Balance SheetDecember 31 Year Ended December 312008 2007 2008 2007Total loans and leases$941,563 $868,119 $910,878 $776,154Debt securities280,942206,873250,551186,466Total earning assets 1,616,6731,502,9981,562,7291,390,192Total assets 1,948,8541,742,4671,843,9791,602,073Total deposits 892,141781,625831,144717,182Shareholders’ equity 176,566144,924164,831136,662Common shareholders’ equity142,535141,085141,638133,555Performance Ratios Three Months Ended December 31Year Ended December 312008 2007 2008 2007Return on average assets(0.37)% 0.06 % 0.22 % 0.94 %Return on average common shareholders’ equity(6.68)0.60 1.8011.08Credit Quality Three Months EndedDecember 31 Year Ended December 312008 2007 2008 2007Total net charge-offs $5,541 $1,985$16,231 $6,480Annualized net charge- offs as a % of average loans and leases outstanding (2)2.36 % 0.91 % 1.79 % 0.84 %Provision for credit losses $8,535 $3,310$26,825 $8,385Total consumer credit card managed net losses3,2632,138 11,3828,214Total consumer credit card managed net losses as a % of average managedcredit card receivables7.16 % 4.75 % 6.18 % 4.79 % December 312008 2007Total nonperforming assets$18,232 $5,948Nonperforming assets as a % of total loans, leases and foreclosed properties (2)1.96 % 0.68 %Allowance for loan and lease losses$23,071$11,588Allowance for loan and lease losses as a % of total loans and leases (2) 2.49 % 1.33 %Capital Management December 312008 2007Risk-based capital ratios:Tier 19.15 % 6.87 %Total13.0011.02Tangible equity ratio (3)5.01 3.62Tangible common equity ratio (4)2.83 3.35Period-end common shares issued and outstanding 5,017,4364,437,885 Three Months Ended December 31Year Ended December 312008 2007 2008 2007Shares issued455,3813,730579,551 53,464Shares repurchased – (2,700) -(73,730)Average common shares issued and outstanding 4,957,0494,421,5544,592,0854,423,579Average diluted common shares issued and outstanding (1) 4,957,0494,470,1084,612,4914,480,254Dividends paid per common share$0.32$0.64$2.24$2.40Summary Ending Balance Sheet December 312008 2007Total loans and leases$931,446 $876,344Total debt securities277,589214,056Total earning assets 1,536,1981,463,570Total assets 1,817,9431,715,746Total deposits 882,997805,177Total shareholders’ equity177,052146,803Common shareholders’ equity139,351142,394Book value per share of common stock$27.77 $32.09(1) Due to the net loss for the three months ended December 31, 2008, theimpact of antidilutive equity instruments have been excluded from dilutedearnings per share and average diluted common shares.(2) Ratios do not include loans measured at fair value in accordance withSFAS 159 at and for the three months and year ended December 31, 2008 and2007 Michael Buble tickets Michael Buble tickets .(3) Tangible equity ratio equals shareholders’ equity less goodwill andintangible assets divided by total assets less goodwill and intangibleassets.(4) Tangible common equity ratio equals common shareholders’ equity lessgoodwill and intangible assets divided by total assets less goodwill andintangible assets.Certain prior period amounts have been reclassified to conform to currentperiod presentation.Information for periods beginning July 1, 2008 includes the Countrywideacquisition; prior periods have not been restated come fly with me buble . This information ispreliminary and based on company data available at the time of thepresentation.Bank of America Corporation and SubsidiariesBusiness Segment Results(Dollars in millions)Global Consumer and SmallThree Months EndedBusiness Banking (1) December 31Year Ended December 31 2008200720082007Total revenue, net of interest expense (2) $15,911 $12,621 $58,344 $47,855Provision for credit losses (3) 7,584 4,28726,84112,920Noninterest expense 7,145 5,57224,93720,349Net income835 1,899 4,234 9,362Efficiency ratio (2)44.91 % 44.15 % 42.74 % 42.52 %Return on average equity 4.13 11.235.78 14.81Average – total loans and leases$364,114$317,629$350,264$294,030Average – total deposits396,497 342,926 370,961 330,661Deposits and Student LendingTotal revenue, net of interest expense (2)$5,364$4,843 $20,649 $18,851Net income1,753 1,536 6,210 5,713Card Services (1)Total revenue, net of interest expense (2) 7,316 6,59028,43325,315Net income (loss)(204)498 521 3,590Mortgage, Home Equity and Insurance ServicesTotal revenue, net of interest expense (2) 3,231 1,188 9,262 3,689Net income (loss)(714) (135) (2,497) 59Global Corporate and Three Months Ended Investment BankingDecember 31Year Ended December 31 2008200720082007Total revenue, net of interest expense (2) $(265)$(695)$13,440 $13,651Provision for credit losses 1,415 274 3,080 658Noninterest expense 2,229 3,45310,38112,198Net income (loss)(2,442) (2,771)(14)510Efficiency ratio (2)n/m n/m 77.24 % 89.36 %Return on average equity (14.24)%(20.53)% (0.02) 1.12Average – total loans and leases$343,379$327,622$337,352$274,725Average – total deposits249,301 235,730 239,097 219,891Business LendingTotal revenue, net of interest expense (2)$2,226$1,901$7,823$6,085Net income301 608 1,722 2,000Capital Markets and Advisory ServicesTotal revenue, net of interest expense (2)(4,639) (4,489) (3,018)549Net income (loss)(3,615) (3,782) (4,948) (3,385)Treasury ServicesTotal revenue, net of interest expense (2) 1,916 1,890 7,784 7,104Net income756 488 2,732 2,136Global Wealth andThree Months Ended Investment Management December 31Year Ended December 31 2008200720082007Total revenue, net of interest expense (2)$1,984$1,768$7,785$7,553Provision for credit losses 15234 66414Noninterest expense 1,068 1,297 4,904 4,480Net income511 310 1,416 1,960Efficiency ratio (2)53.77 % 73.34 % 62.99 % 59.31 %Return on average equity17.32 10.85 12.11 19.83Average – total loans and leases $88,874 $82,816 $87,591 $73,473Average – total deposits171,340 138,163 159,525 124,871U.S i wanna go home buble . Trust (4)Total revenue, net of interest expense (2)$640$700$2,650$2,320Net income121 124 460 470Columbia ManagementTotal revenue, net of interest expense (2)8820 391 1,076Net income (loss) (64) (175) (459) 21Premier Banking and InvestmentsTotal revenue, net of interest expense (2) 776 932 3,201 3,749Net income201 292 584 1,267All Other (1)Three Months Ended December 31 Year Ended December 31 2008200720082007Total revenue, net of interest expense (2) $(1,650)$(240)$(5,593)$(477)Provision for credit losses (5)(616) (1,285) (3,760) (5,207)Noninterest expense 50587 1,307 497Net income (693)830(1,628)3,150Average – total loans and leases 145,196 140,052 135,671 133,926Average – total deposits 75,00364,80661,56141,759(1) Global Consumer and Small Business Banking is presented on a managedbasis, specifically Card Services, with a corresponding offset recorded inAll Other.(2) Fully taxable-equivalent (FTE) basis. FTE basis is a performancemeasure used by management in operating the business that management believesprovides investors with a more accurate picture of the interest margin forcomparative purposes.(3) Represents provision for credit losses on held loans combined withrealized credit losses associated with the securitized loan portfolio.(4) In July 2007, the operations of the acquired U.S.

Trust Corporationwere combined with the former Private Bank to create U.S Trust, Bank ofAmerica Private Wealth Management . The results of the combined business werereported for periods beginning on July 1, 2007 micahel buble . Prior to July 1, 2007, theresults solely reflect that of the former Private Bank.(5) Represents provision for credit losses in All Other combined with theGlobal Consumer and Small Business Banking securitization offset.Certain prior period amounts have been reclassified to conform to currentperiod presentation.Information for periods beginning July 1, 2008 includes the Countrywideacquisition; prior periods have not been restated michael home . This information ispreliminary and based on company data available at the time of thepresentation.Bank of America Corporation and SubsidiariesSupplemental Financial Data(Dollars in millions)Fully taxable-equivalent Three Months Ended basis dataDecember 31Year Ended December 312008 2007 2008 2007Net interest income$13,406 $9,815$46,554$36,190Total revenue, net of interest expense15,980 13,454 73,976 68,582Net interest yield3.31 % 2.61 % 2.98 % 2.60 %Efficiency ratio 68.5177.3656.1454.71Other Data December 312008 2007Full-time equivalent employees 243,075209,718Number of banking centers – domestic6,1396,149Number of branded ATMs – domestic 18,685 18,753Certain prior period amounts have been reclassified to conform to currentperiod presentation.Information for periods beginning July 1, 2008 includes the Countrywideacquisition; prior periods have not been restated . This information ispreliminary and based on company data available at the time of thepresentation.Bank of America Corporation and SubsidiariesReconciliation – Managed to GAAP(Dollars in millions)The Corporation reports Global Consumer and Small Business Banking’sresults, specifically Card Services, on a managed basis.

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