BofA IRFactBookMidYear 2009 Final

Investor Fact Book

Mid Year 2009

Kevin Stitt704.386.5667Lee McEntire704.388.6780Julie Park704.386.4472 Patricia Noneman980.388.3591Jonathan Blum 212.449.3112Grace Yoon212.449.7323Internet address: http://investor.bankofamerica.com

Table of Contents

I Th CIII Bi St. The Company

Our Company Today2Leadership Team3Board of Directors4Industry Rankings5Bank of America Today6U.S. Deposit Market Share7

III. Business Segments

Current Environment 42

IV. Deposits

Overview43-45Financials46-47Banking Center Network8ATM Network9

II. Financial Overview

Financial Highlights11Supplemental Financial Data12Income Statement13

V. Global Card Services

Overview48-49Financials50-51

VI. Home Loans & Insurance

Overview52-55Balance Sheet Composition14Balance Sheet15Earnings Per Share16Dividends Per Share and Payout Ratio17Return on Equity 18Return on Assets19Noninterest Income –Annual20Financials56-57

VII. Global Banking

Overview58-62Financials63-64

VIII Global Markets

Noninterest Income –Quarterly21Noninterest Expense –Annual 22Noninterest Expense –Quarterly23Rate Environment24Net Interest Income and Yields –Annual 25Net Interest Income and Yields –Quarterly26

VIII. Global Markets

Overview65-66Financials67

IX. Global Wealth & Investment Management

Overview68-69Financials70-72 Loan Portfolio 28Nonperforming Assets 29-30Net Charge-Offs and Provision Expense31-32Pre-Provision, Pre-Tax Income vs. Provision Expense33Allowance Allocation34Performance by Geographic Area35

X. All Other

Financials73Global Principal Investments 74 Efficiency Ratio37Debt Ratings38Preferred Stock Information39Trust Preferred and Hybrid Securities Information40

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All information is as of June 30, 2009, unless stated otherwise.

Our Company Today

'--, ,businesses and large corporations with a full range of banking, investing, asset management and other financial and riskmanagement products and services. The company provides unmatched convenience in the United States, serving approximately53 million consumer and small business relationships with more than 6,100 retail banking offices, nearly 18,500 ATMs andaward-winning online banking with 29 million active users. Bank of America is among the world's leading wealth managementcompanies and is a global leader in corporate and investment banking and trading across a broad range of asset classes serving corporations, governments, institutions and individuals around the world. Bank of America offers industry-leading support to more than 4 million small business owners through a suite of innovative, easy-to-use online products and services. The company servesclients in more than 150 countries. Bank of America Corporation stock (NYSE: BAC) is a component of the Dow Jones Industrialverage an s se on e ew or oc xcange.

Strengths

Ability to Leverage Size and Scale

–Our size, scale andglobal presence enable us to provide our customers andclientswithafullraneofworld-classroductsand

Opportunities

Customer/Client Satisfaction –

We are working to improvesatisfaction, reduce problems and create solutions.

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services, delivered with convenience and efficiency.

Diverse, Market-leading Businesses –

Our businesseshave leading market shares in every major sector of theindustry, creating the opportunity to build broad, deeprelationships and to generate strong, balanced earnings.

Integrated Delivery

–We provide comprehensive financialsolutions that fit customers’/clients’ specific needs.

Talent and Leadership

–e are attractng an retanng associates who can lead in a global organization, and weare building on our leading staffing, training andleadership development programs.

Executing Transition

–As we integrate our businesses, weare bringing together a wide spectrum of products andservices for customers and clients while improving quality,accuracy and efficiency and lowering costs.

Service Quality

–We have a culture of service excellenceand the skills, technology and infrastructure to back it up.

Capital Strength

–Our balance sheet strength and ampleliquidity give us the financial flexibility to support ourcustomers and clients even during challenging economic times.

Community Support

–We’re working to strengthen themany communities we serve through communitydevelopment banking ($1.5 trillion over ten years),philanthropy ($2 billion over ten years), volunteerism(900,000 hours in 2008) and environmental lending andinvestments ($20 billion over ten years).

Investing for Growth –

We are investing in technology andinnovation to improve productivity and better meet

Our Goals

For Customers and Clients:

To increase satisfaction and loyalty by providing the best value and service.•Deliver high-quality financial products and services.•Be a trusted adviser for financial solutions.associate, customer, client and shareholder needs.•Deepen relationships and earn loyalty.

For Associates:

To create a workplace in which all associates can excel and rewards are based on results.

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Attract and retain a world-class work force.

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Foster an inclusive and diverse workplace.•Enable associates to grow and succeed while balancing work, family and health.

For Shareholders:

To produce strong and consistent financial returns by attracting and retaining customers and clients, and bydeepening relationships in all our businesses.

2For Communities :

To strengthen the communities we serve through community development banking, philanthropy, volunteerismand environmental initiatives.