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Supplemental Information Fourth Quarter 2013

This information is preliminary and based on company data available at the time of the earnings presentation. It speaks only as of the particular date or dates included in the accompanying pages. Bank of America does not undertake an obligation to, and disclaims any duty to, update any of the information provided. Any forward-looking statements in this information are subject to the forward-looking language contained in Bank of America's reports filed with the SEC pursuant to the Securities Exchange Act of 1934, which are available at the SEC's website (www.sec.gov) or at Bank of America's website (www.bankofamerica.com). Bank of America's future financial performance is subject to risks and uncertainties as described in its SEC filings.

Bank of America Corporation and Subsidiaries

Table of Contents
Consolidated Financial Highlights Supplemental Financial Data Consolidated Statement of Income Consolidated Statement of Comprehensive Income Consolidated Balance Sheet Capital Management Net Interest Income Excluding Trading-related Net Interest Income Quarterly Average Balances and Interest Rates Annual Average Balances and Interest Rates Debt Securities and Available-for-Sale Marketable Equity Securities Quarterly Results by Business Segment Annual Results by Business Segment Consumer & Business Banking Total Segment Results Business Results Key Indicators Consumer Real Estate Services Total Segment Results Business Results Key Indicators Global Banking Total Segment Results Key Indicators Investment Banking Product Rankings Global Markets Total Segment Results Key Indicators Global Wealth & Investment Management Total Segment Results Key Indicators All Other Total Results Equity Investments Outstanding Loans and Leases Quarterly Average Loans and Leases by Business Segment Commercial Credit Exposure by Industry Net Credit Default Protection by Maturity Profile and Credit Exposure Debt Rating Top 20 Non-U.S. Countries Exposure Select European Countries Nonperforming Loans, Leases and Foreclosed Properties Nonperforming Loans, Leases and Foreclosed Properties Activity Quarterly Net Charge-offs and Net Charge-off Ratios Annual Net Charge-offs and Net Charge-off Ratios Allocation of the Allowance for Credit Losses by Product Type Exhibit A: Non-GAAP Reconciliations

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Bank of America Corporation and Subsidiaries

Consolidated Financial Highlights
(Dollars in millions, except per share information; shares in thousands) Year Ended December 31 2013 Income statement Net interest income Noninterest income Total revenue, net of interest expense Provision for credit losses Noninterest expense Income tax expense (benefit) Net income Preferred stock dividends Net income applicable to common shareholders Diluted earnings per common share Average diluted common shares issued and outstanding Dividends paid per common share Performance ratios Return on average assets Return on average common shareholders' equity Return on average tangible common shareholders' equity (1) Return on average tangible shareholders' equity (1) 0.53% 4.62 6.97 7.13 0.19% 1.27 1.94 2.60 0.64% 5.74 8.61 8.53 0.47% 4.06 6.15 6.32 0.74% 6.55 9.88 9.98 0.27% 2.06 3.12 3.69 0.13% 0.67 1.01 1.77 $ $ 42,265 46,677 88,942 3,556 69,214 4,741 11,431 1,349 10,082 0.90 11,491,418 0.04 $ $ 40,656 42,678 83,334 8,169 72,093 (1,116) 4,188 1,428 2,760 0.25 10,840,854 0.04 $ $ 10,786 10,702 21,488 336 17,307 406 3,439 256 3,183 0.29 11,404,438 0.01 $ $ 10,266 11,264 21,530 296 16,389 2,348 2,497 279 2,218 0.20 11,482,226 0.01 $ $ 10,549 12,178 22,727 1,211 16,018 1,486 4,012 441 3,571 0.32 11,524,510 0.01 $ $ 10,664 12,533 23,197 1,713 19,500 501 1,483 373 1,110 0.10 11,154,778 0.01 $ $ 10,324 8,336 18,660 2,204 18,360 (2,636) 732 365 367 0.03 10,884,921 0.01 2012 Fourth Quarter 2013 Third Quarter 2013 Second Quarter 2013 First Quarter 2013 Fourth Quarter 2012

At period end Book value per share of common stock Tangible book value per share of common stock (1) Market price per share of common stock: Closing price High closing price for the period Low closing price for the period Market capitalization Number of banking centers - U.S. Number of branded ATMs - U.S. Full-time equivalent employees
(1)

$

20.71 13.79

$

20.24 13.36

$

20.71 13.79

$

20.50 13.62

$

20.18 13.32

$

20.19 13.36

$

20.24 13.36

$

15.57 15.88 11.03 164,914 5,151 16,259 242,117

$

11.61 11.61 5.80 125,136 5,478 16,347 267,190

$

15.57 15.88 13.69 164,914 5,151 16,259 242,117

$

13.80 14.95 12.83 147,429 5,243 16,201 247,943

$

12.86 13.83 11.44 138,156 5,328 16,354 257,158

$

12.18 12.78 11.03 131,817 5,389 16,311 262,812

$

11.61 11.61 8.93 125,136 5,478 16,347 267,190

Tangible equity ratios and tangible book value per share of common stock are non-GAAP financial measures. We believe the use of these non-GAAP financial measures provides additional clarity in assessing the results of the Corporation. Other companies may define or calculate non-GAAP financial measures differently. (See Exhibit A: Non-GAAP Reconciliations - Reconciliations to GAAP Financial Measures on pages 47-50.)

Certain prior period amounts have been reclassified to conform to current period presentation.

This information is preliminary and based on company data available at the time of the presentation.

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Bank of America Corporation and Subsidiaries

Supplemental Financial Data
(Dollars in millions) Fully taxable-equivalent (FTE) basis data (1) Year Ended December 31 2013 Net interest income Total revenue, net of interest expense Net interest yield (2) Efficiency ratio
(1)

2012 $ 41,557 84,235 2.35% 85.59 $

Fourth Quarter 2013 10,999 21,701 2.56% 79.75 $

Third Quarter 2013 10,479 21,743 2.44% 75.38 $

Second Quarter 2013 10,771 22,949 2.44% 69.80 $

First Quarter 2013 10,875 23,408 2.43% 83.31 $

Fourth Quarter 2012 10,555 18,891 2.35% 97.19

$

43,124 89,801 2.47% 77.07

(2)

FTE basis is a non-GAAP financial measure. FTE basis is a performance measure used by management in operating the business that management believes provides investors with a more accurate picture of the interest margin for comparative purposes. (See Exhibit A: Non-GAAP Reconciliations - Reconciliations to GAAP Financial Measures on pages 47-50.) Calculation includes fees earned on overnight deposits placed with the Federal Reserve and, beginning in the third quarter of 2012, fees earned on deposits, primarily overnight, placed with certain non-U.S. central banks of $182 million and $189 million for the years ended December 31, 2013 and 2012; $59 million, $50 million, $40 million and $33 million for the fourth, third, second and first quarters of 2013, respectively, and $42 million for the fourth quarter of 2012. For more information, see Quarterly and Annual Average Balances and Interest Rates - Fully Taxable-equivalent Basis on pages 10-11 and 12-13.

Certain prior period amounts have been reclassified to conform to current period presentation.

This information is preliminary and based on company data available at the time of the presentation.

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Bank of America Corporation and Subsidiaries

Consolidated Statement of Income
(Dollars in millions, except per share information; shares in thousands) Year Ended December 31 2013 Interest income Loans and leases Debt securities Federal funds sold and securities borrowed or purchased under agreements to resell Trading account assets Other interest income Total interest income Interest expense Deposits Short-term borrowings Trading account liabilities Long-term debt Total interest expense Net interest income Noninterest income Card income Service charges Investment and brokerage services Investment banking income Equity investment income Trading account profits Mortgage banking income (loss) Gains on sales of debt securities Other income (loss) Other-than-temporary impairment losses on available-for-sale debt securities: Total other-than-temporary impairment losses Less: Portion of other-than-temporary impairment losses recognized in other comprehensive income Net impairment losses recognized in earnings on available-for-sale debt securities Total noninterest income Total revenue, net of interest expense Provision for credit losses Noninterest expense Personnel Occupancy Equipment Marketing Professional fees Amortization of intangibles Data processing Telecommunications Other general operating Total noninterest expense Income (loss) before income taxes Income tax expense (benefit) Net income Preferred stock dividends Net income applicable to common shareholders Per common share information Earnings Diluted earnings Dividends paid Average common shares issued and outstanding Average diluted common shares issued and outstanding $ 0.94 0.90 0.04 10,731,165 11,491,418 $ 0.26 0.25 0.04 10,746,028 10,840,854 $ 0.30 0.29 0.01 10,633,030 11,404,438 $ 0.21 0.20 0.01 10,718,918 11,482,226 $ 0.33 0.32 0.01 10,775,867 11,524,510 $ 0.10 0.10 0.01 10,798,975 11,154,778 $ 0.03 0.03 0.01 10,777,204 10,884,921 $ $ 34,719 4,475 2,146 1,834 2,884 1,086 3,170 1,593 17,307 69,214 16,172 4,741 11,431 1,349 10,082 $ $ 35,648 4,570 2,269 1,873 3,574 1,264 2,961 1,660 18,274 72,093 3,072 (1,116) 4,188 1,428 2,760 $ $ 7,987 1,116 526 457 839 266 800 376 4,940 17,307 3,845 406 3,439 256 3,183 $ $ 8,310 1,096 538 511 702 270 779 397 3,786 16,389 4,845 2,348 2,497 279 2,218 $ $ 8,531 1,109 532 437 694 274 779 411 3,251 16,018 5,498 1,486 4,012 441 3,571 $ $ 9,891 1,154 550 429 649 276 812 409 5,330 19,500 1,984 501 1,483 373 1,110 $ $ 8,300 1,151 551 480 996 309 773 433 5,367 18,360 (1,904) (2,636) 732 365 367 (21) 1 (20) 46,677 88,942 3,556 (57) 4 (53) 42,678 83,334 8,169 — — — 10,702 21,488 336 (8) 1 (7) 11,264 21,530 296 (5) 1 (4) 12,178 22,727 1,211 (14) 5 (9) 12,533 23,197 1,713 (1) — (1) 8,336 18,660 2,204 5,826 7,390 12,282 6,126 2,901 7,056 3,874 1,271 (29) 6,121 7,600 11,393 5,299 2,070 5,870 4,750 1,662 (2,034) 1,503 1,870 3,117 1,738 474 863 848 390 (101) 1,444 1,884 2,995 1,297 1,184 1,266 585 356 260 1,469 1,837 3,143 1,556 680 1,938 1,178 457 (76) 1,410 1,799 3,027 1,535 563 2,989 1,263 68 (112) 1,548 1,820 2,889 1,600 699 792 (540) 171 (642) 1,396 2,923 1,638 6,798 12,755 42,265 1,990 3,572 1,763 9,419 16,744 40,656 314 682 364 1,566 2,926 10,786 334 683 375 1,724 3,116 10,266 366 809 427 1,674 3,276 10,549 382 749 472 1,834 3,437 10,664 438 855 420 1,934 3,647 10,324 $ 36,470 9,749 1,229 4,706 2,866 55,020 $ 38,880 8,908 1,502 5,094 3,016 57,400 $ 9,086 2,447 304 1,139 736 13,712 $ 9,146 2,205 291 1,049 691 13,382 $ 9,060 2,548 319 1,181 717 13,825 $ 9,178 2,549 315 1,337 722 14,101 $ 9,366 2,196 329 1,307 773 13,971 2012 Fourth Quarter 2013 Third Quarter 2013 Second Quarter 2013 First Quarter 2013 Fourth Quarter 2012

Certain prior period amounts have been reclassified to conform to current period presentation.

This information is preliminary and based on company data available at the time of the presentation.

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439 $ Third Quarter 2013 2.986) (1.221) (209) $ (906) 172 85 (42) (691) 792 $ (1.171) (27) (1. net-of-tax: Net change in available-for-sale debt and marketable equity securities Net change in derivatives Employee benefit plan adjustments Net change in foreign currency translation adjustments Other comprehensive income (loss) Comprehensive income (loss) $ (8.396) 227 536 (1) (1.012 $ First Quarter 2013 1.169) 381 (1.188 $ Fourth Quarter 2013 3.483 $ Fourth Quarter 2012 732 Certain prior period amounts have been reclassified to conform to current period presentation.254) $ 11. 5 .497 $ Second Quarter 2013 4.771 $ 1.Bank of America Corporation and Subsidiaries Consolidated Statement of Comprehensive Income (Dollars in millions) Year Ended December 31 2013 Net income Other comprehensive income (loss).802 916 (65) (13) 2.166) 592 2. This information is preliminary and based on company data available at the time of the presentation.383 $ (4.634) 1.660) 5.049 (135) (5.431 $ 2012 4.828 $ (2.805 $ (631) 180 1.233) 13 48 (49) (4.380 (43) 886 3.640 6.

413 71.322 11.349 54.574 11.497 September 30 2013 December 31 2012 Assets of consolidated variable interest entities included in total assets above (isolated to settle the liabilities of the variable interest entities) Trading account assets Derivative assets Loans and leases Allowance for loan and lease losses Loans and leases.654 134.384 4.102.150 323.314 122.065 122.924 227.328 200.068 2.540 190.993 47.362 59.996 (2.052 69.843 15.819 (24.233 14.674) 106.428) 910.475 5.412 185 109.653 $ 310.206 53.161 $ 110. net Mortgage servicing rights (includes $5.684 19.058 and $5.795 55.467 150. at cost Total debt securities Loans and leases Allowance for loan and lease losses Loans and leases.945 928.090 2.569 1.851 69.858 5.209.960 10.444 1.752 18.112 2.034 1.227 (3.007 201. net of allowance Loans held-for-sale All other assets Total assets of consolidated variable interest entities $ $ 8.002 $ $ 8.640 11.448 124.449 212. This information is preliminary and based on company data available at the time of the presentation.118 (2.658) 119.068 69. 6 .495 $ 121.962) 107.694 219.432) 914.969 4.126.805 10.844 5.577 121.850 49.891 5.165 $ $ 7.743 199 109.976 6.974 $ 131.703 5. net of allowance Premises and equipment.179) 883.001 60.233 (17.331 907.431 Certain prior period amounts have been reclassified to conform to current period presentation.716 measured at fair value) Goodwill Intangible assets Loans held-for-sale Customer and other receivables Other assets Total assets $ 268.875 4.481 360.273 $ 266. $5.392 (19.775 53.Bank of America Corporation and Subsidiaries Consolidated Balance Sheet (Dollars in millions) December 31 2013 Assets Cash and cash equivalents Time deposits placed and other short-term investments Federal funds sold and securities borrowed or purchased under agreements to resell Trading account assets Derivative assets Debt securities: Carried at fair value Held-to-maturity.042.649 320.906 333 123.998 934.

497 (8. 7 . This information is preliminary and based on company data available at the time of the presentation.331 1.126.01 par value.419 (6.407 45.180 24.282 2.000.119.851 $ $ 2.232 1.662 249.293 72.579 275. authorized – 100. 3.769 134.731 148.407.263.800.315 156.894.000 shares.394 70.256 360 38.S.332 September 30 2013 December 31 2012 Certain prior period amounts have been reclassified to conform to current period presentation.999 135.808.271 198.685 2.731 34.352 155.259 73.573 70.869. authorized – 12.653 $ 18.477 $ 372.598 255.568 40.209.105.296.S.469 37. issued and outstanding – 10.546 654.407.588 7.790.823) 232.481 382 27.274 82. issued and outstanding – 3.797) 236.591.628 shares Retained earnings Accumulated other comprehensive income (loss) Total shareholders' equity Total liabilities and shareholders' equity Liabilities of consolidated variable interest entities included in total liabilities above Short-term borrowings Long-term debt All other liabilities Total liabilities of consolidated variable interest entities $ $ 1.713 44.000.714 $ 374.110.790 and 3.973.261 293.585 1. offices: Noninterest-bearing Interest-bearing Deposits in non-U.347 $ 13.282.410 shares Common stock and additional paid-in capital.118 226.043 $ $ 3.112 and 10. offices: Noninterest-bearing Interest-bearing Total deposits Federal funds purchased and securities loaned or sold under agreements to repurchase Trading account liabilities Derivative liabilities Short-term borrowings Accrued expenses and other liabilities (includes $484.685.000 shares.142 62.106 83. $0.674 1.092 667.150 19.587 46.843 (2.016 30.284 657.683.974 8.810 1. $480 and $513 of reserve for unfunded lending commitments) Long-term debt Total liabilities Shareholders’ equity Preferred stock. 10.457) 232.963 1.778.448 253 20.371 69.01 par value.768 158.Bank of America Corporation and Subsidiaries Consolidated Balance Sheet (continued) (Dollars in millions) December 31 2013 Liabilities Deposits in U.956 2. $0.018 $ 373.371 7.273 $ 13.233 70.102.

22 15.297.205. On a pro-forma basis.170) 139.403 (737) (3.001 1. Tangible equity ratio equals period-end tangible shareholders' equity divided by period-end tangible assets.36 7. Tangible common equity equals period-end tangible common shareholders' equity divided by period-end tangible assets.87 7.813 $ $ June 30 2013 156.403 155.08% 12. 8 .529 11. Certain prior period amounts have been reclassified to conform to current period presentation.50 7. second and first quarters of 2013 (Basel 1 – 2013 Rules).288) $ 132.353.810 December 31 2012 $ 155.52 11.78 6. 2012.444 37.803) (7.183) 142.626 $ 161.235 161.96 11.276 — $ 1. Tier 1 common capital ratio equals Tier 1 capital excluding preferred stock. 2013.16 15.298.584 $ 1. 2013 and March 31.976 11. We believe the use of these non-GAAP financial measures provides additional clarity in assessing the results of the Corporation.140 — $ 1. Basel 1 includes the Market Risk Final Rule at December 31.74 $ 145.205.799 million and 10. except for the potential reduction to risk-weighted assets resulting from the Comprehensive Risk Measure after one year.020) (1. September 30.461 (22. assuming all regulatory model approvals.288.98 $ First Quarter 2013 136.20 (3) (4) (5) Regulatory capital ratios are preliminary until filed with the Federal Reserve on Form Y-9C.49 7.19% 12.825 159. June 30. net Basel 3 Advanced approach (fully phased-in) Tier 1 common capital Risk-weighted assets – Basel 1 to Basel 3 (fully phased-in) Basel 1 risk-weighted assets Credit and other risk-weighted assets Increase due to Market Risk Final Rule Basel 3 Advanced approach (fully phased-in) risk-weighted assets Tier 1 common capital ratios Basel 1 Basel 3 Advanced approach (fully phased-in) (1) September 30 2013 $ 159.454 — $ 1.235 (829) (4. (See Exhibit A: Non-GAAP Reconciliations .67 6.38 percent.435 $ 1. Basel 1 did not include the Market Risk Final Rule for the fourth quarter of 2012.326.27 7.33 15.677 (22.641 $ 1.289.976 103.761) (6. 4) Tier 1 capital ratio Total capital ratio Tier 1 leverage ratio Tangible equity ratio (5) Tangible common equity ratio (5) (1) (2) Third Quarter 2013 $ 142.297.211 1.159 10.289.31 7.008 198.461 196. under the Basel 1 – 2013 Rules.187 55.689 196. fourth quarter 2012 risk-weighted assets and the Tier 1 common capital ratio would have been $1.159 22.519 (787) (6.221) 145.88 $ Fourth Quarter 2012 133.125) 125.456 (16.19% 9.25 (2) Basel 3 (fully phased-in) estimates are based on the Advanced approach under the final Basel rules issued on July 2.288.83 % 12.) Basel 1 to Basel 3 (fully phased-in) Reconciliation (1.284.86 7.60 10.319) $ 131.501) (2. 2013.298.310.49 % 12.390.187 10.456 200. 2): Tier 1 common capital Tier 1 capital Total capital Risk-weighted assets (3) Tier 1 common capital ratio (3. 2013.058) 133.689 (17.519 156.Bank of America Corporation and Subsidiaries Capital Management (Dollars in millions) Fourth Quarter 2013 Risk-based capital (1.825 (935) (4. trust preferred securities.752 1.281 1.329.08% 9.444 11.79 7.44 15.89 16.83% 9. Basel 1 includes the Market Risk Final Rule for the fourth.529 31.62 6.085 81.06 % 12.008 (16.94 10.677 201.49 7. Basel 1 did not include the Market Risk Final Rule at December 31.119 158.73 7.846 $ $ March 31 2013 158.558) 136.44 7. 2) (Dollars in millions) December 31 2013 Regulatory capital – Basel 1 to Basel 3 (fully phased-in) Basel 1 Tier 1 capital Deduction of qualifying preferred stock and trust preferred securities Basel 1 Tier 1 common capital Deduction of defined benefit pension assets Deferred tax asset and threshold deductions (deferred tax asset temporary differences. hybrid securities and minority interest divided by risk-weighted assets. This information is preliminary and based on company data available at the time of the presentation.119 (776) (4.315 $ 1.06% 9.515 — $ 1. mortgage servicing rights and significant investments) Other deductions.872 11. third.49% 9.811 $ 1.37 7.680 1.032) 128. Tangible shareholders' equity and tangible assets are non-GAAP financial measures.Reconciliation to GAAP Financial Measures on pages 47-50. 2013.758) (5.020) $ 128.044 $ 1.08 $ Second Quarter 2013 139.

91% (2) (3) Net interest income and net interest yield include fees earned on overnight deposits placed with the Federal Reserve and. $40 million and $33 million for the fourth.786 (497.710. second and first quarters of 2013.570 2.Bank of America Corporation and Subsidiaries Net Interest Income Excluding Trading-related Net Interest Income (Dollars in millions) Year Ended December 31 2013 Net interest income (FTE basis) As reported (1) Impact of trading-related net interest income Net interest income excluding trading-related net interest income (2) Average earning assets As reported Impact of trading-related earning assets Average earning assets excluding trading-related earning assets (2) Net interest yield contribution (FTE basis) (3) As reported (1) Impact of trading-related activities Net interest yield on earning assets excluding trading-related activities (2) (1) 2012 $ $ 41.336 (487.543 $ $ 43.708.048) $1.281.012) 9.501 (445.55 2. $50 million. $59 million.926 $ 1.02% 2.345) $ 1. This information is preliminary and based on company data available at the time of the presentation.974 (469.35% 0. Represents a non-GAAP financial measure.730) $ 1.S.262.948 $ $ Third Quarter 2013 10.277.800.051) 9.555 (1.58 3.591 $ $ Second Quarter 2013 10.62 3. beginning in the third quarter of 2012.725) $1.991 $ 1.875 (1. deposits. Quarterly results are calculated on an annualized basis.264.776 $ 1. primarily overnight.473 $ 1.07% 2. third.57 3.44% 0.13% 2.999 (1.479 (888) 9.746.010) 9.306.08% 2. and $42 million for the fourth quarter of 2012. 2013 and 2012.056 $ 1.868) 39.769.124 (3.788. respectively.64 3.56% 0.56 2.05% 2.249 $ $ Fourth Quarter 2013 10.366) $ 1.969 (449.936 (482. Certain prior period amounts have been reclassified to conform to current period presentation.212) $ 1.769.771 (919) 9.557 (3.47% 0. central banks of $182 million and $189 million for the years ended December 31.865 $ $ Fourth Quarter 2012 10.320.308) 38.309 $1. 9 .685 (446.60 3.660) $ 1.303.43% 0.90% 2. placed with certain non-U.852 $ $ First Quarter 2013 10.35% 0.44% 0.256 $1.

20 3.S.40 3.256 223.849 13.52 3.344 1.875 (2) (3) (4) For this presentation. Net interest income and net interest yield are calculated excluding these fees.704 352 204 528 2.15 $ Fourth Quarter 2012 Average Balance 16.863 394.093 2.788.690 336.119 253. The use of fair value does not have a material impact on net interest yield.974 95. Interest income includes the impact of interest rate risk management contracts. beginning in the third quarter of 2012.201 2.59 3.194 325.S.671 309. fees earned on deposits.866 59 $ 15.468 97.89 3.217 893.687 9.700 374 206 544 2.057 11.501 125.160 42 Yield/ Rate 1.01 11.297 98.192 22.259 301.62 3.97 3.22 2.210.656 383.S. placed with certain non-U.72 2.081 82.61 3.77 9.788 9.388 1.41 2.374 953 2.685 113.36 11.70 3.54 2.388 90.55 3. In addition.171 82.168 709 13. Purchased credit-impaired loans were recorded at fair value upon acquisition and accrete interest income over the remaining life of the loan.70 3.839 65.493 256.86 10.213 256.97 9.583 1.84 3.415 156.542 43.496 38.978 74. consistent with the Consolidated Balance Sheet presentation of these deposits.68 3.44 3. Nonperforming loans are included in the respective average loan balances. fees earned on overnight deposits placed with the Federal Reserve are included in the cash and cash equivalents line.182 2.20 2.62 3.01 2.226 677 13.545 50 Yield/ Rate 1. credit card Non-U.729 341 184 433 2.05 3.89 4.23 $ Average Balance 17.509 225.172 90.867 540. 10 .99 3.949 209.S.214 1.81 2.773 1. commercial Non-U.24 3.710.341 24.708.068 2.447 771 14.936 111.57 4. Income on these nonperforming loans is generally recognized on a cost recovery basis.602 556.134.777 78.359 930 2.166 90.252 360.78 3.455 2. less allowance for loan and lease losses Total assets (1) Third Quarter 2013 Yield/ Rate 1.123.211 2.115 $ 2.564 110.91 2. central banks. commercial Total commercial Total loans and leases Other earning assets Total earning assets (4) Cash and cash equivalents (1) Other assets.022 1.681 $ 2.747 221.18 4.74 3.92 3.01 2.37 2.365 $ Interest Income/ Expense 50 329 1. which are included in the time deposits placed and other short-term investments line in prior periods.19 4.268 929.005 10.01 3.73 4. This information is preliminary and based on company data available at the time of the presentation.434 144. credit card Direct/Indirect consumer Other consumer Total consumer U.14% 0.16 Interest Income/ Expense $ 48 304 1.02 3.S.S.28 3.633 83. commercial Commercial real estate Commercial lease financing Non-U.430 $ Interest Income/ Expense 47 291 1.292 1.760 1.23 2.74 3. have been included in the cash and cash equivalents line.967 241.164 23. which increased (decreased) interest income on: Fourth Quarter 2013 Third Quarter 2013 — 15 (1) (14) — $ — $ $ — 15 (2) (14) — (1) $ Fourth Quarter 2012 $ (1) 11 (134) (21) (1) (146) Time deposits placed and other short-term investments Federal funds sold and securities borrowed or purchased under agreements to resell Debt securities U.064 299.231 923.81 11.869 94.Bank of America Corporation and Subsidiaries Quarterly Average Balances and Interest Rates – Fully Taxable-equivalent Basis (Dollars in millions) Fourth Quarter 2013 Average Balance Earning assets Time deposits placed and other short-term investments (1) Federal funds sold and securities borrowed or purchased under agreements to resell Trading account assets Debt securities (2) Loans and leases (3): Residential mortgage Home equity U.57 3.502 327.226 317 587 19 6.21 3.07% 0.782 203.336 383 662 19 6.990 1.270 92.125 310 565 17 6.950 186. Yields on debt securities carried at fair value are calculated based on fair value rather than the cost basis.438 1. The impact of interest rate risk management derivatives on interest income is presented below.929 535.66 3. commercial Net hedge expenses on assets $ Certain prior period amounts have been reclassified to conform to current period presentation.84 3.758 $ 2.21% 0. primarily overnight.362 2.824 9.596 46.S.

566 2.340.940 2.373 12.648 258.116 0.165 735.52 0.13 0. 11 .130 91.271 661.09 2.970 876 53.22 0.60 0.52 0.97 1. placed with certain non-U.S.21 0.425 84.055 1. Interest expense includes the impact of interest rate risk management contracts. primarily overnight.665 514. public funds and other deposits Total U.75 2.997 199. This information is preliminary and based on company data available at the time of the presentation. interest-bearing deposits Non-U.S.041 55.495 698.079 657.34% The impact of interest rate risk management derivatives on interest expense is presented below. interest-bearing deposits Total interest-bearing deposits Federal funds purchased.649 66.04 $ 2.398 379.513 2.S.512 $ 6 146 156 27 335 22 1 80 103 438 855 420 1.926 0.40 0.51 0.65 0. countries Governments and official institutions Time.Bank of America Corporation and Subsidiaries Quarterly Average Balances and Interest Rates – Fully Taxable-equivalent Basis (continued) (Dollars in millions) Fourth Quarter 2013 Average Balance Interest-bearing liabilities U.430 2.800 233. which are included in the time deposits placed and other short-term investments line in prior periods.22 $ 10. fees earned on overnight deposits placed with the Federal Reserve are included in the cash and cash equivalents line.717 1.968 508.68 0.649 279.962 179.06% 0.77 1. central banks.08 0.23% 0.18 0.76 2.789 1.123.220 77.29 0.01 2.439 363.71 0. Net interest income and net interest yield are calculated excluding these fees.51 0.580 13. savings and other Total non-U.25 1.429 2. interest-bearing deposits: Banks located in non-U. interest-bearing deposits: Savings NOW and money market deposit accounts Consumer CDs and IRAs Negotiable CDs. fees earned on deposits.17 1. Certain prior period amounts have been reclassified to conform to current period presentation.55% $ 2. public funds and other deposits Banks located in non-U.424 26.62 0.12% 0.894 1.47 0.19 $ 10.929 183.392. beginning in the third quarter of 2012.50 0.458 238.190 24.87 $ 43.647 0.S.446 69.256 19.392 $ 5 100 116 25 246 16 1 71 88 334 683 375 1. consistent with the Consolidated Balance Sheet presentation of these deposits.393 251. securities loaned or sold under agreements to repurchase and short-term borrowings Trading account liabilities Long-term debt Total interest-bearing liabilities (1) Noninterest-bearing sources: Noninterest-bearing deposits Other liabilities Shareholders’ equity Total liabilities and shareholders’ equity Net interest spread Impact of noninterest-bearing sources Net interest income/yield on earning assets (2) (1) Third Quarter 2013 Yield/ Rate Average Balance Interest Income/ Expense Yield/ Rate Fourth Quarter 2012 Average Balance Interest Income/ Expense Yield/ Rate Interest Income/ Expense $ 43.210.05% 0.S. In addition.084 277.92 $ 41.00 1.637 230.349.07 0.365 2.538 82.294 479.724 3.56 0. have been included in the cash and cash equivalents line.136 81.25 0.50 0.42 0.029 74.20 $ 10.43% $ 2. securities loaned or sold under agreements to repurchase and short-term borrowings Long-term debt Net hedge income on liabilities (2) $ For this presentation.731 376.54 0.S.276 726.05% 0.934 3.584 11.S.12 0.875 2.258 59.36% 0.079 336.15 0.904 631.134.341 80.48 0. which increased (decreased) interest expense on: Fourth Quarter 2013 Third Quarter 2013 — 20 3 4 260 (875) $ (588) $ $ — 23 3 2 260 (844) (556) $ Fourth Quarter 2012 $ — 15 3 3 311 (930) (598) NOW and money market deposit accounts Consumer CDs and IRAs Negotiable CDs.415 $ 5 89 97 28 219 18 — 77 95 314 682 364 1.745 271. countries Federal funds purchased.878 1.

73 11.356 $ Interest Income/ Expense 237 1.979 1.64 3.191.00 2.36 3.791 2.51 4.746.306 8.03% 0.44 5.502 5.S.95 4.970 58.014 307.082 11.549 84.47 3.888 236.974 109.426 9.S.339 94.35 4.805 542. Yields on debt securities carried at fair value are calculated based on fair value rather than the cost basis.164 117.392 851 2. less allowance for loan and lease losses Total assets (1) 2012 Yield/ Rate 1. The impact of interest rate risk management derivatives on interest income is presented below.953 256.901 918.11 2.863 13.S.92 3.369 10.00 3.73 3.229 4. consistent with the Consolidated Balance Sheet presentation of these deposits.S.Bank of America Corporation and Subsidiaries Annual Average Balances and Interest Rates – Fully Taxable-equivalent Basis (Dollars in millions) 2013 Average Balance Earning assets Time deposits placed and other short-term investments (1) Federal funds sold and securities borrowed or purchased under agreements to resell Trading account assets Debt securities (2) Loans and leases (3): Residential mortgage Home equity U.047 1. commercial Net hedge expenses on assets $ Certain prior period amounts have been reclassified to conform to current period presentation.77 10.163.857 322.969 115.63 3. commercial Total commercial Total loans and leases Other earning assets Total earning assets (4) Cash and cash equivalents (1) Other assets.359 576.779 39. credit card Non-U. Interest income includes the impact of interest rate risk management contracts. central banks.346 23.02 4. This information is preliminary and based on company data available at the time of the presentation.332 874 1. Income on these nonperforming loans is generally recognized on a cost recovery basis.387 6.70 2.641 80. credit card Direct/Indirect consumer Other consumer Total consumer U.861 82.768 88.50 3.267 90.96 4.792 1.740 218. commercial Commercial real estate Commercial lease financing Non-U. primarily overnight.S.697 182 $ 16. fees earned on overnight deposits placed with the Federal Reserve are included in the cash and cash equivalents line.19 $ Average Balance 22.28 Interest Income/ Expense $ 187 1.982 21.370 72 25.577 264.985 1.16% 0.29 3.647 353. which are included in the time deposits placed and other short-term investments line in prior periods.11 3.S.655 6.769. Nonperforming loans are included in the respective average loan balances.042 170.879 60.513 (2) (3) (4) For this presentation.271 2.331 168.865 90.53 3.070 898.648 $ 2.845 4.998 337.36 3.594 10.60 3.875 42.066 224.531 100.931 9.832 55.166 2. fees earned on deposits.907 1. Net interest income and net interest yield are calculated excluding these fees. placed with certain non-U.112 189 Yield/ Rate 1.86 4.572 2.89 2.879 9.424 2.136 36. In addition.62 3. beginning in the third quarter of 2012. which increased (decreased) interest income on: 2013 2012 — 54 (173) (84) (2) $ (205) $ $ (1) 121 (799) (72) (3) (754) Time deposits placed and other short-term investments Federal funds sold and securities borrowed or purchased under agreements to resell Debt securities U.319 3.89 3.82 9.29 2.739 305.55 2.352 37. 12 .900 140 28.525 $ 2.S.504 1. Purchased credit-impaired loans were recorded at fair value upon acquisition and accrete interest income over the remaining life of the loan.698 201. commercial Non-U.779 9.831 8.56 2. have been included in the cash and cash equivalents line.02 11.815 375.73 3.811 1. The use of fair value does not have a material impact on net interest yield.

318 69.356 2.85 2.15 0.11% 0. This information is preliminary and based on company data available at the time of the presentation.672 194.191. countries Governments and official institutions Time.559 94 4 333 431 1.98 1.763 9.942 2.S.56 0. Net interest income and net interest yield are calculated excluding these fees.416 1.036 14.58 0.504 656.05% 0.082 82.63 0. central banks.217 363.09% 0. public funds and other deposits Total U.554 316.947 $ 22 413 481 106 1.400 78.422) $ $ (1) 87 13 13 1.419 1.S.644 726.868 506.417 88. fees earned on deposits.798 12.92 $ 41.074 693. savings and other Total non-U.54 0.419 16.674 186.25 $ 41. securities loaned or sold under agreements to repurchase and short-term borrowings Trading account liabilities Long-term debt Total interest-bearing liabilities (1) Noninterest-bearing sources: Noninterest-bearing deposits Other liabilities Shareholders’ equity Total liabilities and shareholders’ equity Net interest spread Impact of noninterest-bearing sources Net interest income/yield on earning assets (2) (1) 2012 Yield/ Rate Average Balance Interest Income/ Expense Yield/ Rate Interest Income/ Expense $ 43.559 20. fees earned on overnight deposits placed with the Federal Reserve are included in the cash and cash equivalents line.29 1.73 0. interest-bearing deposits: Banks located in non-U.266 (3.64 0.323 263.45 0.379. Certain prior period amounts have been reclassified to conform to current period presentation.453 466.417 12.58 0. 13 .963 23.S. interest-bearing deposits: Savings NOW and money market deposit accounts Consumer CDs and IRAs Negotiable CDs.096 95. have been included in the cash and cash equivalents line. interest-bearing deposits Non-U.S.301) NOW and money market deposit accounts Consumer CDs and IRAs Negotiable CDs.25 0. which are included in the time deposits placed and other short-term investments line in prior periods.35 0. beginning in the third quarter of 2012.S. consistent with the Consolidated Balance Sheet presentation of these deposits. public funds and other deposits Banks located in non-U. countries Federal funds purchased.675 233.46% $ 2.19 $ 2.677 $ 45 693 693 128 1.34% The impact of interest rate risk management derivatives on interest expense is presented below. Interest expense includes the impact of interest rate risk management contracts.16 0.110 318.19 0.54 0.S. primarily overnight.457 354.24 0.368 2.572 1.62 0.928 624.562) $ (2.97 1.061 301.039 (3.393 1.406.27% 0.61 0.032 56.923 1.19 $ 42.513 2.019 53.S.396 2.679) (2.08 0.744 0.638 6. interest-bearing deposits Total interest-bearing deposits Federal funds purchased. In addition.550 235.022 70 2 302 374 1.12 2.990 3. securities loaned or sold under agreements to repurchase and short-term borrowings Long-term debt Net hedge income on liabilities (2) $ For this presentation.737 1.24 2. which increased (decreased) interest expense on: 2013 2012 (1) 77 13 12 1.755 0.193 69.163. placed with certain non-U.Bank of America Corporation and Subsidiaries Annual Average Balances and Interest Rates – Fully Taxable-equivalent Basis (continued) (Dollars in millions) 2013 Average Balance Interest-bearing liabilities U.

substantially all asset-backed securities Total taxable securities Tax-exempt securities Total available-for-sale debt securities Other debt securities carried at fair value Total debt securities carried at fair value Held-to-maturity debt securities.662 5.152 13.440 230 $ $ 777 76 238 63 37 20 30 1.886) (2.453 266.626 563 758 11.954 Gross Unrealized Gains Gross Unrealized Losses Fair Value September 30. This information is preliminary and based on company data available at the time of the presentation.391 20 1.S. substantially all U.S.429 7.193 6 2.S.649 $ 127 1.951 32.145 275.830 230.480 7.506 31.844 268.929 2.197) (192) (98) (8) (12) (10) (6) (3.751 6.124 2.967 241.626) (7) $ $ 164. agency mortgage-backed securities Total debt securities Available-for-sale marketable equity securities (1) (1) $ 2.551) (36) (3.298 119 $ $ 2.240 1.290 55. Treasury and agency securities Mortgage-backed securities: Agency Agency-collateralized mortgage obligations Non-agency residential Commercial Non-U.492 6. Treasury and agency securities Mortgage-backed securities: Agency Agency-collateralized mortgage obligations Commercial Non-U.500 218 749 11. 2013 Available-for-sale debt securities U.112 22.165 229.239 2. securities (1) Total (1) December 31 2013 $ 4.805 235.Bank of America Corporation and Subsidiaries Debt Securities and Available-for-Sale Marketable Equity Securities (Dollars in millions) December 31. 14 .462) (5) $ $ 319.010) (4.335) (7.597) (1.731 6.365 268.587) (1.178 5.217 1.788 2. agency mortgage-backed securities Total debt securities Available-for-sale marketable equity securities (1) $ $ 170.020 5. substantially all asset-backed securities Total taxable securities Tax-exempt securities Total available-for-sale debt securities Other debt securities carried at fair value Total debt securities carried at fair value Held-to-maturity debt securities.S.S. 2013 Amortized Cost Available-for-sale debt securities U.551) (1. Other Debt Securities Carried at Fair Value (Dollars in millions) U.911 27.347 10 1.335 6.910 $ 106 $ (62) $ 8.170 13.364 — $ $ (6. securities Corporate/Agency bonds Other taxable securities.315 $ 32. securities Corporate/Agency bonds Other taxable securities.S.502) (49) (6.851 $ $ 323.827 6.971 169.844 $ $ September 30 2013 — 18.234 234.207 860 16.297 67 $ (28) (3.187 6.142 231.062 16.649 54. Certain prior period amounts have been reclassified to conform to current period presentation.872 170.023 5.954) (315) (123) (12) (24) (7) (5) (6.264 236.349 52.935 22.311 340 239 84 35 28 29 2.200 114 Classified in other assets on the Consolidated Balance Sheet.150 330.199 98 2.865) $ 2.025 27.225 223 $ 8.453 These securities are used to satisfy certain international regulatory liquidity requirements.S. Treasury and agency securities Mortgage-backed securities: Agency Agency-collateralized mortgage obligations Non-agency residential Commercial Non-U.S.795 52.430 321. substantially all U.220 873 16.896 31.357 34 1.145 34.411 — $ $ (5.284 32.740) (10.928 235.

128 279.759 625 1.974 1.852 3.219 540.617) (1.207 265.704 4.808 n/m n/m 632.090 592.927 1.264 21.078 4.165 373.110 263.424 n/m $ 260.003 (1.584 n/m 89.061) $ Global Banking 2. deposits).846 274.674 928. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income (loss) before income taxes Income tax expense (benefit) (FTE basis) Net income (loss) Average Total loans and leases Total assets (1) Total deposits Period end Total loans and leases Total assets (1) Total deposits $ 10.752 268.753 2.004 1.701 336 17.267 $ Global Markets 1.627 526.995 4.653 1.114 1.779 $ Consumer Real Estate Services 733 844 1.123.365 1.884 445 1.658 105. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income (loss) before income taxes Income tax expense (benefit) (FTE basis) Net income (loss) Average Total loans and leases Total assets (1) Total deposits Period end Total loans and leases Total assets (1) Total deposits (1) Consumer & Business Banking $ 4.709 n/m $ 115.489 2. n/m = not meaningful Certain prior period amounts have been reclassified among the segments to conform to current period presentation.086 169.855 522.166 2.059 n/m $ 232..030 220.134 $ Global Markets 975 2.139 n/m $ 112.627 376 195 181 $ GWIM 1.849 380.340 331.044 35.549 7.008 322 1.174 2. This information is preliminary and based on company data available at the time of the presentation.326 266.142 2.233 2.196 885 309 576 $ All Other 255 (404) (149) 450 1.869 2.906 3.386 n/m $ 268.538 203.390 23 3.468 7.090.704) $ Global Banking 2.102.271 $ 163.042 3.223 (778) $ All Other $ 36 832 868 (549) 930 487 (156) 643 GWIM 1.126 229.078.929 34.058 2.497 427 4.624 104 3.209.254 588.718 $ n/m 603.004 4.201 1.901 $ 226.912 4.480 26 3.112 244.430 1.869 30.534) (534) (1.482 3.226 n/m 87.284 236 21 215 $ All Other $ 408 (325) 83 (188) 996 (725) (999) 274 GWIM 1.561 2.136 744 1.264 1.028 1.928 297.915 496.134.110 n/m n/m 575.479 11.076 907.023 167.485 2.332 242.395 115.607 (5.118 $ 165.396 336.401 1. 15 .478 2.392 $ Global Markets 1.175 270.981 262.586 115.389 5.553 $ 232.753 113.927 1.204 18.875 1.073 528.787 484.408 249.611 239.663 114.978 531.611 243.406 118.913) (3.049 178.663 n/m 94.392 2.891 2.978 2.061 $ $ $ $ $ $ $ Total assets include asset allocations to match liabilities (i.307 4.705 $ $ $ $ $ $ $ Fourth Quarter 2012 Total Corporation Net interest income (FTE basis) Noninterest income (loss) Total revenue.Bank of America Corporation and Subsidiaries Quarterly Results by Business Segment (Dollars in millions) Fourth Quarter 2013 Total Corporation Net interest income (FTE basis) Noninterest income (loss) Total revenue.469 379.673) (2.546 268.188 $ 247.702 21.785 276.876 $ 88.839 267.611 934.119.000) $ Global Banking 2.817 242.085 347.484 241.532 7.266 554.e.743 296 16.777 2.608) (547) (1.336 18.794 (1.602) (2.249 1.263 n/m $ 103.555 8.105.683 240.062 239.193 112 3.301 2.951 62 1.800 36.360 (1.524 761 3.939 241.967 Consumer Real Estate Services $ 715 997 1.058 619 3.687 113.367 36.401 3.496 259.999 10.783 1.439 Consumer & Business Banking $ 4.159 $ 96.126.707 583.419 (1.660 131.702 $ $ $ $ $ $ $ Third Quarter 2013 Total Corporation Net interest income (FTE basis) Noninterest income Total revenue.149 703 1.273 1.577 (308) 3.110.807 4.405) 732 $ $ $ $ $ $ $ 893.632 n/m n/m 601.190 413 777 $ $ $ $ $ $ $ $ 929.121 $ n/m 602.948 2.694 166.819 2.152 590.808 165. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income (loss) before income taxes Income tax expense (benefit) (FTE basis) Net income (loss) Average Total loans and leases Total assets (1) Total deposits Period end Total loans and leases Total assets (1) Total deposits $ 10.099 1.210.118 399 719 $ $ $ $ $ $ $ $ 923.446 $ Consumer Real Estate Services 729 (254) 475 485 5.881 27.980 2.937 670 1.376 47 2.306 $ n/m 645.605 131.712 (474) 3.305 441 1.443) 841 $ $ 10.497 Consumer & Business Banking $ 5.261 $ 167.061 1.056 2.112.707 $ 89.020 17 2.550 177.762 269.

788 242.790 4.464 237.676) (5.245 $ All Other 1.612 14.617 220.867 3.089.955 1.454 215.403 3.161 115.102.053 5.148 16.524 145.672 10.707 $ 90.737) $ $ 41.800 36.751 1.036 532.386 n/m $ 257.881) (3.995 8.611 243.660 131.271 $ 164.013 (8.701 223.190 (9.119. 2012 Total Corporation Net interest income (FTE basis) Noninterest income (loss) Total revenue.753 113.369 n/m 94.191.815 6.986) (5.112 244.295 2.726 1. n/m = not meaningful Certain prior period amounts have been reclassified among the segments to conform to current period presentation.560 n/m 89.600 11.974 $ Global Markets 4.Bank of America Corporation and Subsidiaries Annual Results by Business Segment (Dollars in millions) Year Ended December 31.442 17.336 322.286 2.241 (1.974 $ $ $ $ $ $ $ $ 918. deposits).059 n/m $ 224.980 165.209.266 554.469 379.169 72.235 8.047. 16 .821 8.456 268.928 297.768 2.188 $ 259.261 $ 173.827 475.384 105.556 69.981 262.155) $ Global Banking 8.163.641 2.854 2.058 140 12.051 9.694 166.135 7.691 16.782 907.853 9.816 29.090 592.229 $ GWIM 5.827 10.064 11.518 266 12.735 928.183 34.726 17.570 580.245 343.342 1.278 120.140 (1.718 $ n/m 632.481 1.546 $ Consumer Real Estate Services 2.539 15.721 3.326 266.790 56 13.457 269.922) (782) 2.819 2. This information is preliminary and based on company data available at the time of the presentation.714 518.214 17.013 3.735 43.284 34 11.647 3.619 8.709 n/m $ 111.531 1.439) $ Global Banking 8.306 $ n/m 606.930 5.567 16.180 169.141) (2. 2013 Total Corporation Net interest income (FTE basis) Noninterest income Total revenue.557 42.061 $ $ $ $ $ $ $ Total assets include asset allocations to match liabilities (i.023 270.188 $ $ $ $ $ $ $ 898. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income (loss) before income taxes Income tax expense (benefit) (FTE basis) Net income (loss) Average Total loans and leases Total assets (1) Total deposits Period end Total loans and leases Total assets (1) Total deposits $ 43.940 242.722 2.105.357 10.340 331.159 $ 103.978 531.563 $ All Other $ 966 923 1.239 11.552 7.093 3.107 16.678 84.973 (215) 4.249 n/m n/m 632.974 1.207 265.173) 487 GWIM 6.702 $ $ $ $ $ $ $ Year Ended December 31.889 (666) 4.513 1.124 46.588 Consumer Real Estate Services $ 2.101 5.890 4.819 16.677 89.273 (9.696 1.038 4.431 Consumer & Business Banking $ 20.915 496.801 3.716 (156) 16.826 7.031 5.901 $ 235.397 3.475 242.e.621 6.075 7.939) (3..846 274. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income (loss) before income taxes Income tax expense (benefit) (FTE basis) Net income (loss) Average Total loans and leases Total assets (1) Total deposits Period end Total loans and leases Total assets (1) Total deposits (1) Consumer & Business Banking $ 19.356 1.686) (2.674 (342) 7.804 n/m n/m 575.344 $ Global Markets 3.937 29.241 315.442) (6.273 1.087 241.880 4.263 n/m $ 100.914 7.233 2.905 2.881 27.

174 590.056 1.576 525.978 531.107 16.125 564. divided by average allocated capital or average economic capital.Reconciliations to GAAP Financial Measures on pages 47-50.000 — $ 167.714 518.000 — $ 163.149 703 1.395 3.697 584.073 528.820 550.55 — 52. its methodology for allocating capital to the business segments.086 — 24.099 $ 163. see Exhibit A: Non-GAAP Reconciliations .042 3. deposits) and allocated shareholders' equity.109 554.561 $ 165.266 513.58% 26..816 29.289 894 1.152 548.867 3.028 1.980 2.315 4.143 522.175 1.000 — $ 165.787 484.948 1.685 587.627 526.213 580.09 $ $ Fourth Quarter 2012 4.034 1.159 (2) (3) Effective January 1.815 $ 6.000 — $ 173. In connection with the change in methodology.187 588.869 1.497 427 4.434 967 4.303 856 1.109 554.88% — 23.078 4.19 $ $ First Quarter 2013 5.570 539.208 804 9. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income before income taxes Income tax expense (FTE basis) Net income Net interest yield (FTE basis) Return on average allocated capital (1.023 30.097 216 2.98 — 54. 2) Period end Total loans and leases Total earning assets (3) Total assets (3) Total deposits (1) 2012 $ 19.767 532.588 3.034 156 2.266 513.004 1.707 $ 169. Certain prior period amounts have been reclassified among the segments to conform to current period presentation.995 8.853 5.72% 21.157 2.Bank of America Corporation and Subsidiaries Consumer & Business Banking Segment Results (Dollars in millions) Year Ended December 31 2013 Net interest income (FTE basis) Noninterest income: Card income Service charges All other income Total noninterest income Total revenue.013 179 2.545 583.76 $ 164.90 $ $ Second Quarter 2013 5.70% 23. on a prospective basis. 2) Efficiency ratio (FTE basis) Balance Sheet Average Total loans and leases Total earning assets (3) Total assets (3) Total deposits Allocated capital (1.783 1.876 $ 164.180 — 24.46 56.68 — 56. (See Exhibit A: Non-GAAP Reconciliations .241 540.978 531.051 $ 163. the Corporation revised.063 230 2.05 $ $ Fourth Quarter 2013 4.532 7. 2013.790 4.779 3.051 4.804 4. The Corporation believes the use of these non-GAAP financial measures provides additional clarity in assessing the results of the segments.989 593.72% 18.2) Economic capital (1. adjusted for cost of funds and earnings credits and certain expenses related to intangibles.035 179 2.581 $ 169.148 16.980 30.412 952 4. For more information.400 7. economic capital and the related returns are non-GAAP financial measures.915 496.610 592.401 1.967 3.12 57.59 — 56.827 475.e.39 $ 20.174 2.167 530.000 — $ 165.254 547.403 3.937 29.469 502.508 30.845 523.04% — 23.92 $ $ Third Quarter 2013 5.707 542.159 $ 165.277 345 9.546 4.549 7.524 761 3.915 496.219 499. as applicable.186 1.855 522. 17 .610 592.468 7. Other companies may define or calculate these measures differently.357 10.207 1.101 $ 5.259 30. the Corporation updated the applicable terminology in the above table to allocated capital from economic capital as reported in prior periods.013 1.036 491.446 3.342 1.) Total earning assets and total assets include asset allocations to match liabilities (i.399 7.447 3.178 2.03 — 53.090 550. Allocated capital.Reconciliations to GAAP Financial Measures on pages 47-50. 2) Return on average economic capital (1.808 30. This information is preliminary and based on company data available at the time of the presentation.89% 19.851 545.707 $ 167.061 1.647 3. Return on average allocated capital and return on average economic capital are calculated as net income.236 1.593 542.090 550.

253 — (52) 5.610 592.04 % 23.777 14.051 $ 23.946 567. Deposits (1) $ 9.277 345 9. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income before income taxes Income tax expense (FTE basis) Net income Net interest yield (FTE basis) Return on average allocated capital (3.051 4. This information is preliminary and based on company data available at the time of the presentation.369 477.82 74.201 16. 2013 Total Consumer & Business Banking Net interest income (FTE basis) Noninterest income: Card income Service charges All other income Total noninterest income Total revenue.310 1.767 532.07 $ Consumer Lending (2) 10.600 $ 20.837 530.05 $ $ $ $ 173.725 151.243 4.980 30.995 8.583 4.159 $ 22.18% 30.315 4.147 531.282 2.430 7.822 12. 4) Period end Total loans and leases Total earning assets (5) Total assets (5) Total deposits $ 165.985 $ 149.384 474.Bank of America Corporation and Subsidiaries Consumer & Business Banking Annual Results (Dollars in millions) Year Ended December 31.036 491.90 % 9.907 498.357 10.76 $ Deposits (1) 9.853 5.18 % 38.208 804 9.261 1.109 554.714 518.744 — 295 5.53 $ $ $ Year Ended December 31.790 4.667 150.044 2.736 13.809 155. 18 .461 7.870 555.266 513.72% 21.046 62 4.915 496.782 488 11.12 57.88% 13.927 3.588 3.98 54.039 15.408 n/m Certain prior period amounts have been reclassified among the segments to conform to current period presentation.403 3.394 n/m $ 164.663 2.232 2.213 580.585 299 10.470 15. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income before income taxes Income tax expense (FTE basis) Net income Net interest yield (FTE basis) Return on average economic capital (3.815 6.378 4.707 $ 22.685 6.208 509 4.804 4.359 146.947 $ 142.142 510.443 n/m 14. 4) Efficiency ratio (FTE basis) Balance Sheet Average Total loans and leases Total earning assets (5) Total assets (5) Total deposits Allocated capital (3.816 29.180 24.92 $ Consumer Lending (2) 10.711 $ 146.515 158.978 531.808 60 4.008 3.60 35.107 16.807 5.984 723 1.516 143.827 475.285 7.808 5.574 534.51 $ 19.570 539.437 522.660 5.066 $ 169.090 550.333 n/m 11.72 82.277 397 4.000 $ 22.400 $ 142.83 35.133 142.127 1.647 3. 2012 Total Consumer & Business Banking Net interest income (FTE basis) Noninterest income: Card income Service charges All other income (loss) Total noninterest income Total revenue.653 518. 4) Period end Total loans and leases Total earning assets (5) Total assets (5) Total deposits For footnotes see page 20. 4) Efficiency ratio (FTE basis) Balance Sheet Average Total loans and leases Total earning assets (5) Total assets (5) Total deposits Economic capital (3.546 4.101 5.937 29.359 1.867 3.917 153.354 495.148 16.

net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income before income taxes Income tax expense (FTE basis) Net income Net interest yield (FTE basis) Return on average allocated capital (3. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income before income taxes Income tax expense (FTE basis) Net income Net interest yield (FTE basis) Return on average allocated capital (3.219 528.323 154.418 1.273 3.236 1.70 % 23.92 $ 5.000 $ 22. Certain prior period amounts have been reclassified among the segments to conform to current period presentation.369 530.885 145.661 96 2.097 164 1.600 $ 4.819 141.980 2.204 3.371 525.917 153.174 590.638 521.023 30.808 30.768 105 2.264 3.204 15.061 1.90 $ $ $ $ 165.863 665 1.187 588.441 n/m 14. 4) Efficiency ratio (FTE basis) Balance Sheet Average Total loans and leases Total earning assets (5) Total assets (5) Total deposits Allocated capital (3.063 230 2.888 681 1.63 $ Consumer Lending (2) 2.160 — 104 1.042 3.394 n/m $ 163.310 1.989 696 1.456 1.600 $ 167.312 565.221 — 52 1.276 3.707 542.861 n/m 14.855 522.85 % 14.028 1.400 $ 140.84 33.207 7.063 126 1.175 1.978 531.293 6.783 1.87% 35.86% 17.468 7.400 $ 143.03 $ $ $ Third Quarter 2013 Total Consumer & Business Banking Net interest income (FTE basis) Noninterest income: Card income Service charges All other income Total noninterest income Total revenue.516 143.729 322 1.524 761 3.771 152. Deposits (1) $ 2.511 15.36 69.869 150.090 550.610 592.947 $ 142.497 427 4.74 72.624 1.92 $ Consumer Lending (2) 2.457 15 1.779 3. 4) Efficiency ratio (FTE basis) Balance Sheet Average Total loans and leases Total earning assets (5) Total assets (5) Total deposits Allocated capital (3.946 567.073 528.627 526.549 7.998 558.574 534.056 1.336 143.097 216 2.333 532.110 526.03 53.18 38.000 $ 22.58% 26.152 548.92 $ Deposits (1) 2.545 583.658 563.254 547.039 365 674 1. 4) Period end Total loans and leases Total earning assets (5) Total assets (5) Total deposits For footnotes see page 20.318 $ 144.004 1.Bank of America Corporation and Subsidiaries Consumer & Business Banking Quarterly Results (Dollars in millions) Fourth Quarter 2013 Total Consumer & Business Banking Net interest income (FTE basis) Noninterest income: Card income Service charges All other income Total noninterest income Total revenue.17 % 32.876 $ 22.948 1.599 1.492 15 1.670 895 323 572 1.707 $ 22.55 52.311 n/m This information is preliminary and based on company data available at the time of the presentation.837 530.967 3. 4) Period end Total loans and leases Total earning assets (5) Total assets (5) Total deposits $ 165. 19 .

174 2.109 554. During the second quarter of 2013.561 $ 22. in segments or businesses where the total of liabilities and equity exceeds assets.Bank of America Corporation and Subsidiaries Consumer & Business Banking Quarterly Results (continued) (Dollars in millions) Fourth Quarter 2012 Total Consumer & Business Banking Net interest income (FTE basis) Noninterest income: Card income Service charges All other income Total noninterest income Total revenue.99 34.326 — 33 1. adjusted for cost of funds and earnings credits and certain expenses related to intangibles.532 7.078 4.46 56.173 3. total earning assets and total assets of the businesses may not equal total Consumer & Business Banking.467 $ 144.342 1.113 7. Allocated capital.375 1.004 1. Effective January 1. the Corporation revised. divided by average allocated capital or average economic capital.686 13.908 519. the Corporation allocates assets from All Other to match the segments' and businesses' liabilities and allocated shareholders' equity.159 $ 22.015 1. Business Banking results were moved into Deposits and prior periods were reclassified to conform to current period presentation.711 $ 146.29% 39.008 153. As a result.213 16 1. its methodology for allocating capital to the business segments.266 513.359 4. For more information. Other companies may define or calculate these measures differently.034 156 2. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income before income taxes Income tax expense (FTE basis) Net income Net interest yield (FTE basis) Return on average economic capital (3. consumer Dealer Financial Services results were moved into Card Services from Global Banking.695 485. As a result.27 $ 4. Prior periods were reclassified to conform to current period presentation.086 24. on a prospective basis. In connection with the change in methodology.064 483.61 $ Consumer Lending (2) 2.408 n/m (3) (4) (5) During the first quarter of 2013.636 523 1.147 531.386 74 2. 4) Period end Total loans and leases Total earning assets (5) Total assets (5) Total deposits (1) (2) Deposits (1) $ 2. see Exhibit A: Non-GAAP Reconciliations .094 $ 169.446 3.359 146.81% 9.656 1.869 1.787 484. 4) Efficiency ratio (FTE basis) Balance Sheet Average Total loans and leases Total earning assets (5) Total assets (5) Total deposits Economic capital (3.Reconciliations to GAAP Financial Measures on pages 47-50.219 499. the Corporation updated the applicable terminology in the above table to allocated capital from economic capital as reported in prior periods.034 123 1. n/m = not meaningful Certain prior period amounts have been reclassified among the segments to conform to current period presentation.401 1.809 155. 20 . economic capital and the related returns are non-GAAP financial measures.398 n/m 11. The Corporation believes the use of these non-GAAP financial measures provides additional clarity in assessing the results of the segments.524 145.39 $ $ $ $ 167. 2013. (See Exhibit A: Non-GAAP Reconciliations .85 82.149 703 1. Card Services was renamed Consumer Lending.354 495. This information is preliminary and based on company data available at the time of the presentation. as applicable.Reconciliations to GAAP Financial Measures on pages 47-50.241 540.915 496.799 513 180 333 1.) For presentation purposes. Return on average allocated capital and return on average economic capital are calculated as net income.907 498.88% 23.

81 75.365 164.52 89.51 1.402 70.66 75.338 $ 90.139 167.324 $ 502.04 0.47% 2.823 $ 51.712 $ 67.510 2.29% 9.389 16.52 $ 96.395 5.10 0.064 4.151 16.55% 2.514 $ 52.S.S.171 74.73% 8.259 First Quarter 2013 $ 227.967 5.79% 1.946 29.088 74.053 1.121 148.863 94.201 $ 2.41 957 $ $ $ 947 4.641 5. credit card portfolio in Consumer & Business Banking.95 1.638 12.391 $ 518.52 0.S.748 2.S.950 14.93 1.54 96.478 16.013 5.21 1.95% 8.945 $ 46.980 2.363 $ 68.57 0. Certain prior period amounts have been reclassified to conform to current period presentation.03% 2.048 $ $ $ 917 4.005 90.280 $ 89.167 1.628 $ 267. and other Total average deposit balances Deposit spreads (excludes noninterest costs) Checking Savings MMS CDs and IRAs Non-U.835 $ 90.946 29.25% 1.11 1.51 0.80% 8.214 5.395 5.748 2.23 1.632 $ 51.28% 2.51 906 $ $ $ 978 4.369 92.508 Fourth Quarter 2012 $ 217.689 4.517 30.51% 9.259 $ 2.93 1.635 $ 66.16% 9.20 1.197 13.362 68.057 92.363 $ 528.258 $ $ $ 724 3.259 $ 2.048 29.808 Third Quarter 2013 $ 240.06% 2.217 In addition to the U.00 1.394 $ 484.632 4.10% 2.20 1.500 77.243 16.11 0.499 39.000 $ $ $ 788 3.047 $ 92.52% 10.722 90.183 162.20 0.180 Fourth Quarter 2013 $ 246.712 90.033 43.43% 1.82% 8.049 1.19% 2.086 $ 238. and other Total deposit spreads Client brokerage assets Online banking active accounts (units in thousands) Mobile banking active accounts (units in thousands) Banking centers ATMs Total Corporation U.Bank of America Corporation and Subsidiaries Consumer & Business Banking Key Indicators (Dollars in millions) Year Ended December 31 2013 Average deposit balances Checking Savings MMS CDs and IRAs Non-U.01% 8.074 2.02 1.589 4.90% 1. the remaining U.360 1.740 $ 64.835 $ $ $ 3.182 29.151 16.14% 9.437 1.55 1.914 $ 193.25% 1.547 $ 522.752 42.88% 2.07 0.68 3.959 155.638 12.14% 9.328 16.347 $ 2.192 4. 21 .013 5.58 1.19% 2.34% 1.000 $ 66.500 $ 54.200 2.811 39.432 74.54 3.242 42.087 $ 258.102 12.05 0.36% 9.849 94.21 1.51 84.376 3.85 1.354 $ 2.50 0.361 71.616 30.347 $ 90.478 16.165 162.338 $ 94. credit card indicators (1) Gross interest yield Risk adjusted margin New account growth (in thousands) Purchase volumes Debit card data Purchase volumes (1) 2012 $ 210.68 1.02% 2.01% 2.19% 2. credit card (1) Loans Average credit card outstandings Ending credit card outstandings Credit quality Net charge-offs 30+ delinquency 90+ delinquency Other Total Corporation U.950 14.02% 2.90% 1.311 $ 2.911 $ $ $ 4.71 1.07 0.224 143.048 29.888 4.217 4.053 1.331 $ 522. This information is preliminary and based on company data available at the time of the presentation.02% 7.00 1.S.268 $ 475.48 837 $ 205.523 $ 91.74% 2.S.52 82.821 4.867 13.920 40.52% 10.48 1.023 Second Quarter 2013 $ 238.112 2.437 1. credit card portfolio is primarily in GWIM.037 42.074 2.

569 2.420 120.157) 2.753 97.Reconciliations to GAAP Financial Measures on pages 47-50.584 24.577 (308) 3.118 $ 94.663 — 12. see Exhibit A: Non-GAAP Reconciliations .524 120.331.89% $ $ Third Quarter 2013 733 775 69 844 1.585 241 4.617) (1.660 106.000 — $ 96.386 $ 87.331.8 $ 810.544 129.000 — $ 88.91% $ $ Second Quarter 2013 699 1.881) (3. 2013.4 $ 986.704) 2.411 5 1.986) $ (5.141) (2. except as noted) Year Ended December 31 2013 Net interest income (FTE basis) Noninterest income: Mortgage banking income (loss) All other income Total noninterest income (loss) Total revenue.605 109.419 (1.442 17.163 113. Excludes loans for which servicing transferred to third parties as of December 31.607 (5. For more information.474 $ 89.43% $ $ Fourth Quarter 2013 715 912 85 997 1.821 8.971 105.115 291 3.553 268 5.276 24.0 $ 889.000 — $ 92. 2) Period end Total loans and leases Total earning assets Total assets Period end (in billions) Mortgage servicing portfolio (3. 2014.139 131.715 128.032 $ 90.85% $ 90.) Includes servicing of residential mortgage loans. on a prospective basis.660 106.416 2.163 113.185.247 115.226 24.278 101. 4) (1) 2012 $ 2. home equity lines of credit and home equity loans.487 82 1.66% $ 2.608) (547) (1.000) 2. The Corporation believes the use of these non-GAAP financial measures provides additional clarity in assessing the results of the segments.114 102.439) 2.059 $ 89.086 122.190 (9. (See Exhibit A: Non-GAAP Reconciliations .826 7.751 1.974 131.424 $ 89.676 $ 89.4 $ 1.8 (2) (3) (4) Effective January 1.406 (3.85% $ $ Fourth Quarter 2012 729 (284) 30 (254) 475 485 5.913) (3. the Corporation updated the applicable terminology in the above table to allocated capital from economic capital as reported in prior periods.312 335 5.716 (156) 16.570) (633) (937) 2. Certain prior period amounts have been reclassified among the segments to conform to current period presentation.0 $ 1.687 98.061) 2. Other companies may define or calculate these measures differently.272) (2.406 99.963 105. its methodology for allocating capital to the business segments.974 131. 2) Economic capital (1.534) (534) (1.75% $ $ First Quarter 2013 743 1. This information is preliminary and based on company data available at the time of the presentation. 2013 with an effective mortgage servicing right sales date of January 2.636 145. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Loss before income taxes Income tax benefit (FTE basis) Net loss Net interest yield (FTE basis) Balance Sheet Average Total loans and leases Total earning assets Total assets Allocated capital (1. the Corporation revised.000 — $ 103. 22 .890 4.340 24.000 — $ 90. Allocated capital and economic capital are non-GAAP financial measures.155) 2.Bank of America Corporation and Subsidiaries Consumer Real Estate Services Segment Results (Dollars in millions.394 (1.712 (474) 3.759 118.930 5.386 $ 94.369 — 13.059 $ 810. In connection with the change in methodology.442) $ (6.794 (1.560 24.753 97.211 124.586 98.013 (8.220 113.257 102.429) (1.0 $ 1.Reconciliations to GAAP Financial Measures on pages 47-50.

000 $ 89.695 (7.000 $ 47.386 $ 51.890 4.457 (283) 12.439) $ Home Loans 1.Bank of America Corporation and Subsidiaries Consumer Real Estate Services Annual Results (1) (Dollars in millions) Year Ended December 31.821 8. $ 2.349 1.974 131.581 57. 23 .669 247 2.023 56.553 268 5.260) (3.059 $ 47.163 113. Certain prior period amounts have been reclassified among the segments to conform to current period presentation.552 3.000 $ 42.916 4.675 53.742 54.732 43.284 1 3.269 267 2. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Loss before income taxes Income tax benefit (FTE basis) Net loss Balance Sheet Average Total loans and leases Total earning assets Total assets Allocated capital (2.379 502 877 $ Legacy Assets & Servicing 1. 3) Period end Total loans and leases Total earning assets Total assets $ 2.278 101.055 87.955) (2.131 18.013 (8. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income (loss) before income taxes Income tax expense (benefit) (FTE basis) Net income (loss) Balance Sheet Average Total loans and leases Total earning assets Total assets Economic capital (2.318 (186) (68) (118) $ Legacy Assets & Servicing 1.986) (5.676 $ 50. 3) Period end Total loans and leases Total earning assets Total assets For footnotes see page 25.272 67.021 54.190 (9.716 (156) 16.881) (3.603 48.141) (2.105 1.071 53. 2012 Total Consumer Real Estate Services Net interest income (FTE basis) Noninterest income: Mortgage banking income All other income Total noninterest income Total revenue.155) $ Home Loans 1.569 2.817 9.995 (11.660 106.361 3.316) $ $ $ $ 103.429 6.259 127 3.369 13.918) (5.524 120.092 59.370 13.636 145.459 Year Ended December 31.942 $ 94.927 $ 38.910 3.916 (6) 1.580 75. 2013 Total Consumer Real Estate Services Net interest income (FTE basis) Noninterest income: Mortgage banking income All other income (loss) Total noninterest income Total revenue.585 241 4.753 97.465 $ 46.944) (7.751 1.501 64.037) $ $ $ $ 90.442 17.148 53.646 72 3.918 52.195 1.394 55.734 $ 53.826 7.594 This information is preliminary and based on company data available at the time of the presentation.541 2.930 5.442) (6.536 4.560 24.285 4.420 120.

584 24.074 52.424 $ 46.Bank of America Corporation and Subsidiaries Consumer Real Estate Services Quarterly Results (1) (Dollars in millions) Fourth Quarter 2013 Total Consumer Real Estate Services Net interest income (FTE basis) Noninterest income: Mortgage banking income All other income Total noninterest income Total revenue.247 115.000 $ 41.608) (547) (1.875 51. Certain prior period amounts have been reclassified among the segments to conform to current period presentation.000 $ 912 85 997 1.932 6.168 60.732 43.075 $ 40.349 $ 88.586 98.061) $ 220 17 237 567 (18) 755 (170) (62) (108) $ 692 68 760 1.071 53. 24 . net of interest expense (FTE basis) Provision for credit losses Noninterest expense Loss before income taxes Income tax benefit (FTE basis) Net loss Balance Sheet Average Total loans and leases Total earning assets Total assets Allocated capital (2.981 45.687 98.000 $ 49.706 53.999 64.226 24.309 6.685 65. 3) Period end Total loans and leases Total earning assets Total assets $ 89. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Loss before income taxes Income tax benefit (FTE basis) Net loss Balance Sheet Average Total loans and leases Total earning assets Total assets Allocated capital (2.652 18.000 $ 39.021 54.917 18.534) (534) (1.092 59.052 52.438) (485) (953) $ 715 $ Home Loans 330 $ Legacy Assets & Servicing 385 This information is preliminary and based on company data available at the time of the presentation.712 (474) 3.927 Third Quarter 2013 Total Consumer Real Estate Services Net interest income (FTE basis) Noninterest income: Mortgage banking income All other income Total noninterest income Total revenue.039 (1. 3) Period end Total loans and leases Total earning assets Total assets For footnotes see page 25. $ 87.220 113.753 97.163 113.459 $ 89.794 (1.386 $ 51.000) $ 345 35 380 709 (11) 880 (160) (61) (99) $ 430 34 464 868 (297) 2.000 $ 775 69 844 1.759 118.711 46.577 (308) 3.406 99.539 (1.374) (473) (901) $ 733 $ Home Loans 329 $ Legacy Assets & Servicing 404 $ 38.248 51.419 (1.878 52.000 $ 46.528 47.145 (456) 3.

(See Exhibit A: Non-GAAP Reconciliations .474 $ 48. the Corporation revised.312 54.617) (1. its methodology for allocating capital to the business segments. The Corporation believes the use of these non-GAAP financial measures provides additional clarity in assessing the results of the segments.580 75.064) (3. Effective January 1. together with any related assets or liabilities used as economic hedges. the Corporation updated the applicable terminology in the above table to allocated capital from economic capital as reported in prior periods.059 $ 47. 25 . 2013.888 $ 48.045) (2. The results of certain mortgage servicing rights activities.720 55.981) $ 729 (284) 30 (254) 475 485 5. Allocated capital and economic capital are non-GAAP financial measures. 3) Period end Total loans and leases Total earning assets Total assets (1) Home Loans $ 348 891 13 904 1. For more information.Reconciliations to GAAP Financial Measures on pages 47-50.293 54.742 54.394 55.607 (5. This information is preliminary and based on company data available at the time of the presentation.158) (777) 408 4.419 76.465 $ 46.605 109.Bank of America Corporation and Subsidiaries Consumer Real Estate Services Quarterly Results (1) (continued) (Dollars in millions) Fourth Quarter 2012 Total Consumer Real Estate Services Net interest income (FTE basis) Noninterest income: Mortgage banking income (loss) All other income Total noninterest income (loss) Total revenue. Other companies may define or calculate these measures differently.Reconciliations to GAAP Financial Measures on pages 47-50. In connection with the change in methodology. on a prospective basis.860 (6.663 12.175) 17 (1.918 52.660 106.913) $ (3.) Certain prior period amounts have been reclassified among the segments to conform to current period presentation. including net hedge results.252 77 747 428 151 $ 277 $ $ Legacy Assets & Servicing 381 (1. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income (loss) before income taxes Income tax expense (benefit) (FTE basis) Net income (loss) Balance Sheet Average Total loans and leases Total earning assets Total assets Economic capital (2.704) $ 96.611 3.586 $ 94.139 131.594 (2) (3) Consumer Real Estate Services includes Home Loans and Legacy Assets & Servicing.974 131.052 8. see Exhibit A: Non-GAAP Reconciliations . are included in Legacy Assets & Servicing.

Bank of America Corporation and Subsidiaries Consumer Real Estate Services Key Indicators (Dollars in millions. changes in certain cash flow assumptions such as cost to service and ancillary income per loan.599 $ 25.421 6. Certain prior period amounts have been reclassified among the segments to conform to current period presentation.042 92 bps $ 550 $ 55 bps 1. This information is preliminary and based on company data available at the time of the presentation.553 (803) $ 403 (70) 333 629 (229) 174 5 579 912 (64) $ 465 (323) 142 700 (240) 167 6 633 775 (190) $ 860 (197) 663 785 (260) 215 8 748 1.882 4.716 $ 5.750 $ 848 $ 585 $ 1.355 $ 66.043) 867 28 2. net of risk management activities used to hedge certain market risks (4) Other servicing-related revenue Total net servicing income Total Consumer Real Estate Services mortgage banking income (loss) Other business segments' mortgage banking loss (5) Total consolidated mortgage banking income (loss) (1) (2) 2012 $ 7.920 1.303 1.716 (1.283 $ 23.939) (179) 4.074 3. except as noted) Year Ended December 31 2013 Mortgage servicing rights at fair value rollforward: Balance.585 (711) $ 3.716 Fourth Quarter 2013 $ 5.716 (60) (314) 434 $ 5. These amounts reflect the changes in modeled mortgage servicing rights fair value primarily due to observed changes in interest rates.674 $ 22.624 1.827 First Quarter 2013 $ 5.874 $ 4.828 $ 17.509 1.030 (1.915 $ 9.087 97 (335) 867 $ 5.776 Fourth Quarter 2012 $ 5.685 (284) (256) $ 3.776 (715) (260) 1.096 (335) 912 12 1.833 1.026 $ 5.484) 1.378 252 (1.572) (1.498 $ 75.561 765 $ 2.703 3.941 $ 5.518 2.914 5.496 $ 20.269 942 $ 21.852 635 5.585 $ 55.116 $ 19.045 $ 92 bps 550 $ 82 bps 616 $ 77 bps 759 $ 61 bps 949 $ 55 bps 1.955) (1.263 $ (540) (3) (4) (5) Represents the net change in fair value of the MSR asset due to the recognition of modeled cash flows. spreads and the shape of the forward swap curve. changes in OAS rate inputs and the impact of periodic recalibrations of the model to reflect changes in the relationship between market interest rate spreads and projected cash flows. In addition to loan production in Consumer Real Estate Services.832 $ 11.411 (233) $ 815 (250) 565 916 (314) 311 9 922 1.732 5.729 (1. Includes gains and losses on sales of mortgage servicing rights.276 1.827 (600) (240) 71 $ 5. end of period Capitalized mortgage servicing rights (% of loans serviced for investors) Mortgage loans serviced for investors (in billions) Loan production: Total Corporation (3) First mortgage Home equity Consumer Real Estate Services First mortgage Home equity Mortgage banking income (loss) Production income (loss): Core production revenue Representations and warranties provision Total production income (loss) Servicing income: Servicing fees Amortization of expected cash flows (1) Fair value changes of mortgage servicing rights.601 1. Includes the effect of transfers of mortgage loans from Consumer Real Estate Services to the asset and liability management portfolio included in All Other.969) 1.058 (197) (229) 410 $ 5. these amounts reflect periodic adjustments to the valuation model to reflect changes in the modeled relationship between inputs and their impact on projected cash flows.045 $ 83.487 (224) $ 986 (2. 26 .043) 1.543 (840) 1. volatility. In addition. the remaining first mortgage and home equity loan production is primarily in GWIM.178 $ 1.760 (3.516 962 $ 16.484) (430) $ 5.058 Second Quarter 2013 $ 5. beginning of period Net additions (sales) Amortization of expected cash flows (1) Other changes in mortgage servicing rights fair value (2) Balance.042 Third Quarter 2013 $ 5.

207 265.668 23.120 23.61 $ $ Fourth Quarter 2013 2.856 2.340 288.Reconciliations to GAAP Financial Measures on pages 47-50.039 228.755 327.753 2.332 242.481 1.068 276. as applicable.90% — 27.611 243.119 827 1.344 2.852 3.3) Economic capital (2.941 380.87 $ $ First Quarter 2013 2.165 330.985 280.) Total earning assets and total assets include asset allocations to match liabilities (i.201 716 693 398 1. Allocated capital.075 7.674 (342) 7.Bank of America Corporation and Subsidiaries Global Banking Segment Results (1) (Dollars in millions) Year Ended December 31 2013 Net interest income (FTE basis) Noninterest income: Service charges Investment banking income All other income Total noninterest income Total revenue.Reconciliations to GAAP Financial Measures on pages 47-50.099 694 842 316 1.16% 22.207 265.793 1.000 — $ 224.605 322.867 2.301 684 960 360 2.86 — 44. previously reported in Global Banking.502 292.59 — 45.340 288.86% 19. economic capital and the related returns are non-GAAP financial measures.376 347.235 1. on a prospective basis.96% 21. This information is preliminary and based on company data available at the time of the presentation.072 331.759 625 1.000 — $ 260.674 285.464 237.611 243.135 2.886 4.204 343.718 $ 242.567 16.17% 22.154 379.312 $ 268. its methodology for allocating capital to the business segments.136 744 1.123 $ 269.053 $ 5.539 15. 3) Return on average economic capital (2.248 $ 242.974 2.97 44. In connection with the change in methodology.121 $ 258.000 — $ 244.879 7.062 239.817 — 19.305 441 1.880 $ 4.292 3.849 336.545 7.392 2.82 $ 257.41 $ 8. the results of consumer Dealer Financial Services.999 336.06 $ $ Second Quarter 2013 2.55 — 44.252 701 792 393 1.039 758 1. Prior periods have been reclassified to conform to current period presentation.57 — 48. the Corporation updated the applicable terminology in the above table to allocated capital from economic capital as reported in prior periods.952 334.030 318.762 23.940 — 19.69 48.854 2. 3) Period end Total loans and leases Total earnings assets (4) Total assets (4) Total deposits (1) 2012 $ 8.154 379. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income before income taxes Income tax expense (FTE basis) Net income Net interest yield (FTE basis) Return on average allocated capital (2.927 1.71 $ $ Fourth Quarter 2012 2.914 2.336 280.306 (2) (3) (4) During the second quarter of 2013.306 $ 269..718 $ 267.531 227.134 2.842 2.469 337.281 3.085 305.496 259.85% — 28. the Corporation revised.839 23.160 686 790 394 1.927 1.245 301.619 8. 27 .104 322.110 263.870 4.469 337. For additional information. Effective January 1.951 62 1. 3) Efficiency ratio (FTE basis) Balance Sheet Average Total loans and leases Total earnings assets (4) Total assets (4) Total deposits Allocated capital (2. 2013.76 $ $ Third Quarter 2013 2. divided by average allocated capital or average economic capital.e.457 23. see Exhibit A: Non-GAAP Reconciliations .397 3.396 292.807 4. (See Exhibit A: Non-GAAP Reconciliations .625 373. Other companies may define or calculate these measures differently. The Corporation believes the use of these non-GAAP financial measures provides additional clarity in assessing the results of the segments. Return on average allocated capital and return on average economic capital are calculated as net income. deposits) and allocated shareholders' equity.586 $ 250. Certain prior period amounts have been reclassified among the segments to conform to current period presentation.937 670 1.820 229.701 223.138 163 1.552 7. adjusted for cost of funds and earnings credits and certain expenses related to intangibles.072 331.787 3.004 4.000 — $ 255.030 149 1.000 — $ 232. were moved to Consumer & Business Banking.008 322 1.267 2.64 — 45.043 222.71% 21.

052 0.648 $ $ 2.201 3.762 65.357 3.853 67.900 $ 73.639 153.823 $ $ 817 1.011 1.556 $ 1. Substandard and Doubtful asset categories defined by regulatory authorities.235 $ $ 3.407 3.535 $ 1.455 3 $ 260.86% $ 639 0. Investment banking fees represent only the fee component of Global Banking and do not include certain less significant items shared with the Investment Banking Group under internal revenue sharing agreements.S.481 $ 68. financial guarantees.Bank of America Corporation and Subsidiaries Global Banking Key Indicators (Dollars in millions) Year Ended December 31 2013 Investment Banking fees (1) Advisory (2) Debt issuance Equity issuance Total Investment Banking fees (3) Business Lending Corporate Commercial Total Business Lending revenue Treasury Services Corporate Commercial Total Treasury Services revenue Average deposit balances Interest-bearing Noninterest-bearing Total average deposits Loan spread Provision for credit losses Credit quality (4.481 $ $ 713 741 1.390 408 $ 2. including loans and leases. standby letters of credit.754 $ $ 2.952 4.240 174.469 6.621 $ $ 734 747 1.486 59.349 24.085 $ 127.24% Average loans and leases by product U.82% $ 1.416 12 $ 224.245 $ 117. leases and foreclosed properties. leases and foreclosed properties $ 639 0.738 $ 1.404 24.249 42.392 8 $ 232.86% $ 128.S.803 (65) $ 256 810 329 1. commercial letters of credit and bankers' acceptances.384 $ $ 687 732 1.600 (4) (5) Investment banking fees represent total investment banking fees for Global Banking inclusive of self-led deals and fees included within Business Lending.068 $ 121.668 1.140 $ 70. Criticized exposure corresponds to the Special Mention.131 3.35% $ 1.86% $ 149 $ 242.357 3.342 3.050 1.078 250 1.584 66.43% $ 1.825 24.83% $ 62 $ 10.844 $ $ 855 1.066 3.684 24.967 7.111 3.454 $ $ 702 733 1.870 164.952 4.891 34.120 1.052 0.392 38.797 $ $ 739 909 1.06% $ 2.905 $ $ 851 946 1.643 0.674 $ 124.602 (67) $ 301 1. This information is preliminary and based on company data available at the time of the presentation.44% $ 10.299 $ 1.17% Nonperforming loans.400 158.535 33. 28 .06% $ 9.939 5.087 0.738 4 $ 257.395 (98) $ 262 987 356 1.849 $ 128.457 1.762 1.75% $ 441 $ 239.815 2. The reservable criticized exposure is on an end-of-period basis and is also shown as a percentage of total commercial utilized reservable criticized exposure.24% $ 919 0. Nonperforming loans.057 53.839 1.336 $ 132.17% $ 10.126 $ 5.805 1.622 25.022 1. leases and foreclosed properties are on an end-of-period basis.828 $ $ 884 960 1.940 1.510 $ 68. Advisory includes fees on debt and equity advisory and mergers and acquisitions.71% $ 10.396 $ 1. The nonperforming ratio is nonperforming assets divided by loans.405 (279) $ 1.73% $ 10.859 7 $ 244.446 50.635 32.699 166. commercial Commercial real estate Commercial lease financing Non-U.115 68.742 36.622 6.158 157.540 $ 78.793 $ $ Fourth Quarter 2013 323 443 194 960 $ $ Third Quarter 2013 226 343 124 693 $ $ Second Quarter 2013 240 405 147 792 $ $ First Quarter 2013 233 429 128 790 $ $ Fourth Quarter 2012 285 450 107 842 $ 1. commercial Other Total average loans and leases Total Corporation Investment Banking fees Advisory (2) Debt issuance Equity issuance Total investment banking fees including self-led Self-led Total Investment Banking fees (1) (2) (3) 2012 $ 995 1.862 180.89% $ 163 $ 222.620 593 $ 3.633 2.172 24.605 (49) $ 257 1.362 1. 5) Reservable utilized criticized exposure $ 9.022 323 1.435 $ $ 666 718 1.419 $ 72.374 $ $ 3.632 3.602 39.78% $ 322 $ 227.860 3 $ 268.817 1.66% $ 2.655 9 $ 255.297 $ 1.587 $ 65.988 5. Certain prior period amounts have been reclassified among the segments to conform to current period presentation.827 23.075 $ 223.88% $ (342) $ 259.577 $ 237.026 5.629 (29) $ 6.454 (155) $ 356 986 461 1.

4 Product Ranking 2 2 5 2 3 4 2 2 2 3 4 3 U.4 9.4 19. Syndicated loans.: High-yield corporate debt. Convertible debt.7 6. • Debt capital markets excludes loans but includes agencies. Asset-backed securities. • Each advisor receives full credit for the deal amount unless advising a minor stakeholder.3 9.9 12.8 10. 29 .0 8.S.5 7. Announced mergers and acquisitions Investment-grade corporate debt Syndicated loans Announced mergers and acquisitions Debt capital markets Investment-grade corporate debt Syndicated loans This information is preliminary and based on company data available at the time of the presentation.9 5. Investment-grade corporate debt. Market Share 10.3 11. • Mergers and acquisitions fees included in investment banking revenues reflect 10 percent fee credit at announcement and 90 percent fee credit at completion as per Dealogic.S. Syndicated loans High-yield corporate debt.8 6.7 9. • Rankings based on deal volumes except for net investment banking revenue rankings which reflect fees. top 3 rankings in: High-yield corporate debt Leveraged loans Asset-backed securities Convertible debt Top 3 rankings excluding self-led deals: Global: U. 2014. Investment-grade corporate debt. Leveraged loans.0% 12.2% 10.2 Source: Dealogic data as of January 2. Highlights Global top 3 rankings in: High-yield corporate debt Leveraged loans Asset-backed securities U.4 10.S. • Mergers and acquisitions volume rankings are for announced transactions and provide credit to all investment banks advising the target or acquiror.9 10.5 11. Asset-backed securities.1 7. 2013 Global Product Ranking High-yield corporate debt Leveraged loans Mortgage-backed securities Asset-backed securities Convertible debt Common stock underwriting Investment-grade corporate debt Syndicated loans Net investment banking revenue Announced mergers and acquisitions Equity capital markets Debt capital markets 3 2 5 2 4 4 2 2 2 4 4 5 Market Share 8. Leveraged loans.8 12.8 28. Figures above include self-led transactions.4 13.5 6.Bank of America Corporation and Subsidiaries Investment Banking Product Rankings Year Ended December 31.

039 626.266 $ 220.672 1.797 $ 465. divided by average allocated capital or average economic capital.869 5 3. which are considered non-earning assets.080 432.137 464.901 645.013 3.563 5.81 $ 468.15 $ $ First Quarter 2013 1.176 4.87% — 90.168 15.Bank of America Corporation and Subsidiaries Global Markets Segment Results (Dollars in millions) Year Ended December 31 2013 Net interest income (FTE basis) Noninterest income: Investment and brokerage services Investment banking fees Trading account profits All other income (loss) Total noninterest income Total revenue.295 2.284 30. For additional sales and trading revenue information.437 157.568 62.020 17 2. on a prospective basis.726 $ 1.376 47 2.905 2.109 528 679 2.189 (16) 2.396 656. Return on average allocated capital and return on average economic capital are calculated as net income.820 2.988 603.223 (778) n/m — 85.263 $ 215.82% — 63. (See Exhibit A: Non-GAAP Reconciliations .706 872 10. see page 31. For more information.808 — 14.821 575. its methodology for allocating capital to the business segments.401 3.722 6.972 $ 235.906 3.425 53.734 114.487 606. the Corporation revised.84% — 66.266 509. This information is preliminary and based on company data available at the time of the presentation.796 150.934 481.613 601.482 632.142 489 753 795 445 2. The Corporation believes the use of these non-GAAP financial measures provides additional clarity in assessing the results of the segments.670 65.694 670.760 4. 3) Economic capital (2.080 432.624 104 3.820 47.045 $ 209.114 430 668 725 83 1.188 54.058 140 12.12 $ $ Fourth Quarter 2012 1.819 16.848 111 3.847 $ 468.139 $ 446. 3) Efficiency ratio (FTE basis) Balance Sheet Average Total trading-related assets (4) Total earning assets (4) Total assets Allocated capital (2.734 317 11.657 602.597 458.63 $ $ Third Quarter 2013 975 480 622 1.532 49.505 465. n/m = not meaningful Certain prior period amounts have been reclassified among the segments to conform to current period presentation.955 1. with a small portion related to certain revenue sharing agreements with other business segments. as applicable. adjusted for cost of funds and earnings credits and certain expenses related to intangibles.391 53.166 608. Allocated capital.813 51.557 $ 504.821 575.890 (337) 3.824 $ 438.891 $ 466.470 632.229 — 8.597 $ 225.201 98 2.239 2.709 $ 438. Other companies may define or calculate these measures differently.08 $ $ Fourth Quarter 2013 1.000 — $ 504.885 137.909 $ 193.110 30.972 499.836 486.964 $ 493.836 486.909 458.249 — 13. 2013.97 $ 4.434 166. see Exhibit A: Non-GAAP Reconciliations .434 476 958 12.046 2.95% 79.188 493.934 $ 197.709 $ 465.074 1.612 14.284 236 21 215 2.284 34 11.) Trading-related assets include derivative assets.12% 86.Reconciliations to GAAP Financial Measures on pages 47-50.348 51.24% — 74.188 (2) (3) (4) Substantially all of Global Markets total revenue is sales and trading revenue and investment banking fees.426 73.862 46.847 57.45% $ $ Second Quarter 2013 1. Effective January 1.000 — $ 466.214 5.417 67.795 $ 490.Reconciliations to GAAP Financial Measures on pages 47-50.618 162.263 $ 411.108 128. 30 .632 30. 3) Return on average economic capital (2. In connection with the change in methodology.482 3. net of interest expense (FTE basis) (1) Provision for credit losses Noninterest expense Income before income taxes Income tax expense (FTE basis) Net income (loss) Return on average allocated capital (2.470 632.896 $ 438.771 1.184 $ 411.884 445 1.045 461.804 30.907 $ 467.258 30.000 — $ 493.000 — $ 490.627 376 195 181 — 5. 3) Period end Total trading-related assets (4) Total earning assets (4) Total assets Trading-related assets (average) Trading account securities Reverse repurchases Securities borrowed Derivative assets Total trading-related assets (4) (1) 2012 $ 3.013 549 668 1. the Corporation updated the applicable terminology in the above table to allocated capital from economic capital as reported in prior periods.826 480.243 $ 442.790 622 1.399 52.342 $ 1. economic capital and the related returns are non-GAAP financial measures.000 — $ 442.

080 904 2.159 4.014 430 725 56 $ 13.217 13.491 $ $ 2. losses of $193 million.890 (343) $ 1.259 1. sales and trading revenue excludes debit valuation adjustment gains/losses which represents a non-GAAP financial measure. 31 . and $49 million for the fourth quarter of 2012.907 2.887 897 2.936 1.706 992 $ 1. 2013 and 2012.882 4.308 1.453 $ $ 3. $109 million.767 945 2. excluding debit valuation adjustment $ $ 9.826 $ $ 1. gains of $5 million and gains of $10 million for the fourth. Certain prior period amounts have been reclassified among the segments to conform to current period presentation. third.225 (2) Includes Global Banking sales and trading revenue of $385 million and $522 million for the years ended December 31.007 3. Net debit valuation adjustment losses included in equities revenue were $17 million and $253 million for the years ended December 31.784 $ $ 1.003 $ $ 2.551 674 2. respectively. and losses of $237 million for the fourth quarter of 2012.020 528 2.826 $ 2. currency and commodities revenue were $491 million and $2.095 $ $ 1. second and first quarters of 2013.149 4.199 3.Bank of America Corporation and Subsidiaries Global Markets Key Indicators (Dollars in millions) Year Ended December 31 2013 Sales and trading revenue (1) Fixed income.059 489 795 441 $ 898 480 1.014 11.784 $ 2. second and first quarters of 2013.200 13. and losses of $39 million for the fourth quarter of 2012. $66 million. gains of $33 million and losses of $65 million for the fourth.373 4.274 $ $ 2.082 $ $ 8. second and first quarters of 2013.033 970 3. losses of $266 million. currency and commodities Equities Total sales and trading revenue.712 $ 3.267 14.788 713 2. Net debit valuation adjustment losses included in fixed income.501 $ $ 8.001 1. excluding debit valuation adjustment (2) Fixed income.194 3.292 1.201 133 $ 930 549 1.712 $ $ 2.046 6.734 395 $ 3. losses of $25 million. This information is preliminary and based on company data available at the time of the presentation. 2013 and 2012. currency and commodities Equities Total sales and trading revenue Sales and trading revenue.225 2012 Fourth Quarter 2013 Third Quarter 2013 Second Quarter 2013 First Quarter 2013 Fourth Quarter 2012 Sales and trading revenue breakdown Net interest income Commissions Trading Other Total sales and trading revenue (1) $ 3.150 $ $ 1. respectively. third.984 $ $ 2. 2013 and 2012. For this presentation. third.820 5.491 $ 4. respectively.082 $ 11.848 164 $ 1.590 $ $ 11. $142 million and $68 million for the fourth.812 3.095 $ 2.2 billion for the years ended December 31. losses of $7 million.

00 $ $ Second Quarter 2013 1.87 $ $ Third Quarter 2013 1.02 $ $ Fourth Quarter 2013 1.188 $ 115. 2013.546 248.72 $ $ First Quarter 2013 1.480 26 3.023 251.012 $ 107.928 277.663 10.146 426 720 2.000 — $ 106.264 1.939 268.326 266.24 $ 6.413 10.112 244.691 16.683 240.853 $ 105.485 2.196 885 309 576 2.46% 29.000 — $ 109.704 4.263 239. the Corporation revised.928 277.994 4.408 249.68 — 74. The Corporation believes the use of these non-GAAP financial measures provides additional clarity in assessing the results of the segments.399 276.825 4.867 235.395 10.000 — $ 103. Allocated capital.846 254.721 3. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income before income taxes Income tax expense (FTE basis) Net income Net interest yield (FTE basis) Return on average allocated capital (1.589 244. economic capital and the related returns are non-GAAP financial measures.031 274.286 $ 2.709 2. 2) Return on average economic capital (1.846 254. deposits) and allocated shareholders' equity. This information is preliminary and based on company data available at the time of the presentation.441 553 2.161 10.790 56 13.298 253.000 — $ 112.974 2.Bank of America Corporation and Subsidiaries Global Wealth & Investment Management Segment Results (Dollars in millions) Year Ended December 31 2013 Net interest income (FTE basis) Noninterest income: Investment and brokerage services All other income Total noninterest income Total revenue.e.413 499 2.203 268.37% 30.Reconciliations to GAAP Financial Measures on pages 47-50.082 263.505 2.47% 30.551 282.35% 28.272 432 2.) Return on average allocated capital and return on average economic capital are calculated as net income.827 8. 2) Economic capital (1.193 112 3.478 2. the Corporation updated the applicable terminology in the above table to allocated capital from economic capital as reported in prior periods.785 257.421 22 3.722 $ 2.242 484 758 2.859 263.121 297.149 $ 115.36 76.58 $ $ Fourth Quarter 2012 1.849 1.499 (15) 3. adjusted for cost of funds and earnings credits and certain expenses related to intangibles.190 413 777 2.253 1.038 4.272 1. Certain prior period amounts have been reclassified among the segments to conform to current period presentation. its methodology for allocating capital to the business segments. divided by average allocated capital or average economic capital.995 4. 2) Period end Total loans and leases Total earning assets (3) Total assets (3) Total deposits (1) 2012 $ 5. 32 .489 2.553 $ 111.031 274.249 1.901 $ 114. In connection with the change in methodology.384 — 7.Reconciliations to GAAP Financial Measures on pages 47-50.30% — 28.390 23 3.658 — 8.735 235. Other companies may define or calculate these measures differently.394 270.785 244.901 $ 105. For more information.596 2.38 — 73.611 239.456 248.112 244.326 266.677 270.752 249.518 266 12.331 494 2.531 1.188 (2) (3) Effective January 1.41% 29.359 $ 115.842 10.524 471 2.017 11.696 1. on a prospective basis.57 — 72.726 17..175 250.344 10.121 297.97 — 72.064 9.29 $ 111.80 77.912 4. see Exhibit A: Non-GAAP Reconciliations .245 2.156 268.788 242.90 — 73.) Total earning assets and total assets include asset allocations to match liabilities (i.000 — $ 100.475 242. 2) Efficiency ratio (FTE basis) Balance sheet Average Total loans and leases Total earning assets (3) Total assets (3) Total deposits Allocated capital (1.340 263. (See Exhibit A: Non-GAAP Reconciliations . as applicable.048 248.35% — 30.475 268.118 399 719 2.484 241.

013. 2012.009.077 (4) (5) (6) Other includes the results of BofA Global Capital Management and other administrative items.781 $ 1.624 16.283.703 762 15 4.735 2.316 16.316 16.776 $ 779.193 $ 14.Bank of America Corporation and Subsidiaries Global Wealth & Investment Management Key Indicators (Dollars in millions.305 $ 2.591 and 1.012 $ 971 $ 927 2.803 376.S.436 $ 2.853.680 721 20 4.018 16.953 66 $ 17. Certain prior period amounts have been reclassified among the segments to conform to current period presentation. Trust Metrics Client Facing Professionals (1) (2) (3) 2012 $ 13. Financial Advisor Productivity is defined as annualized Merrill Lynch Global Wealth Management total revenue divided by the total number of Financial Advisors (excluding Financial Advisors in the Consumer & Business Banking segment).103 2.688 131.134 $ $ 2.686 266.103 2.603 $ 1.386 15.743.459 341.736 $ 2.874 $ 1. Defined as assets under advisory and discretion of GWIM in which the duration of the investment strategy is longer than one year. March 31.916.361 18.151 351.188 109.190 244.012 114.305 $ 821.997 $ $ (2.195 $ 743.534 15.517 19.553 117.812. Defined as assets under advisory and discretion of GWIM in which the investment strategy seeks a high level of income while maintaining liquidity and capital preservation.103 $ 698.518 $ $ Fourth Quarter 2013 3. Trust Other (1) Client Balances by Type Assets under management Brokerage Assets Assets in custody Deposits Loans and leases (2) Total client balances Assets Under Management Flows Liquidity assets under management (3) Long-term assets under management (4) Total assets under management flows Associates (5) Number of Financial Advisors Total Wealth Advisors Total Client Facing Professionals Merrill Lynch Global Wealth Management Metrics Financial Advisory Productivity (6) (in thousands) U. Includes Financial Advisors in the Consumer & Business Banking segment of 1.449 1.689 16.095 960.008 $ $ 6.412 354.803 376.487 73. 2013 and December 31.122 136.366.917 $ $ 2.292 66.545 9.502 47.776 $ 698.065 17.791 66.005 $ 902 $ 1.759 16.386 241.587.321 $ $ 618 26.614 1.901 118. This information is preliminary and based on company data available at the time of the presentation.351 117.151.122 136.148 $ 1.790 $ 1.341 13. except as noted) Year Ended December 31 2013 Revenues Merrill Lynch Global Wealth Management U.090 2.499 $ $ First Quarter 2013 3. 1.517 19.119 63.743.421 $ $ Fourth Quarter 2012 3.351 117.425 15.646 730 14 4.390 $ $ Second Quarter 2013 3.229 16.411 17.045. 2013.051 $ 2.449 1.000 $ 1.273 $ $ (695) 7. 1.148 $ 1.411 17.095 960.077 2.292 66.S. 33 .507 127.989 19.496 at December 31.013 239.640 20.908 $ 745.664 128.487 73.625 $ 2.039 $ 1.721 64.090 2. 2013.459 341.120 11. Trust Other (1) Total revenues Client Balances Client Balances by Business Merrill Lynch Global Wealth Management U. The duration of these strategies is less than one year.045.771 2.S.438 $ 2.742 740 17 4.215.800.819 54.932 10.846 19.916.366.188 109.686 266.853 110.640 20.438 $ 2.665 $ 1.901 118. 2013.229 15. respectively.613 992.386 $ 1.227) 20.492 9.151.585. Includes margin receivables which are classified in customer and other receivables on the Corporation's Consolidated Balance Sheet.874 $ 821.293 20.260 1.692 6. September 30.709 74 $ 16. Total revenue excludes corporate allocation of net interest income related to certain ALM activities.625 $ $ 6.084 2.500 690 3 4. June 30.231.545.190 244.854 235.390 27. 1.480 $ $ Third Quarter 2013 3.980 362.665 15.

7 billion and $537.0 billion. $564. 2013.996 35. Equity investments include Global Principal Investments and certain other investments. gains/ losses on structured liabilities. $529.241 315. 2013.735 43.557 248. 2013 and December 31.5 billion.549 $ 247.939 $ 220.164) (325) 83 (188) 996 (725) (999) 274 $ $ Third Quarter 2013 36 79 1.367 36. deposits) and allocated shareholders' equity of $539. Includes elimination of segments’ excess asset allocations to match liabilities (i.047 204.118 34.927) (1.241 (1. 2012.694 166.702 $ 241.2 billion for the fourth quarter of 2012. The results of certain ALM activities are allocated to our business segments.044 35.654) (678) (976) $ $ Fourth Quarter 2012 255 96 569 117 (1.676) (5. Additionally. respectively.003 (1. the international consumer card business.e.454 215.126 $ 238.922) (782) 2.774 $ 244.929 34. deposits) and allocated shareholders' equity of $570. third.881 27. 34 .686) (2.768 (1. March 31..273 (9.705 $ 234.443) 841 $ 2.602) (2..186) (404) (149) 450 1. This information is preliminary and based on company data available at the time of the presentation.667 33. Certain prior period amounts have been reclassified among the segments to conform to current period presentation. Includes elimination of segments’ excess asset allocations to match liabilities (i.550 177. 2013 and 2012.230 (3.981 262.2 billion for the years ended December 31. the impact of certain allocation methodologies and accounting hedge ineffectiveness. net of interest expense (FTE basis) Provision for credit losses Noninterest expense Income (loss) before income taxes Income tax benefit (FTE basis) Net income (loss) Balance Sheet Average Total loans and leases Total assets (2) Total deposits Period end Total loans and leases Total assets (3) Total deposits (1) 2012 966 328 $ 1.759 $ 241.061 $ 220. second and first quarters of 2013.737) $ $ Fourth Quarter 2013 408 83 392 364 (1. 2013.800 36.128 279. respectively.Bank of America Corporation and Subsidiaries All Other Results (1) (Dollars in millions) Year Ended December 31 2013 Net interest income (FTE basis) Noninterest income: Card income Equity investment income Gains on sales of debt securities All other loss Total noninterest income (loss) Total revenue.435 35.183 34.6 billion at December 31.939) $ (3.617 $ 259. $558.869 30. $537.881 27.087 $ 226.173) $ 487 $ 235.e. equity investments. $525.538 203.981 262. residual expense allocations and other.910 230.049 178.621 6. liquidating businesses.597 $ 241.406 235.702 $ 229. and $526.122 347 (716) 832 868 (549) 930 487 (156) 643 $ $ Second Quarter 2013 268 81 576 452 (803) 306 574 (179) 547 206 (340) 546 $ $ First Quarter 2013 254 85 520 67 (562) 110 364 250 1.140 360 1.610 1. $541.889 (666) 4.800 36.1 billion and $526.3 billion.135 1. All Other includes certain residential mortgage loans that are managed by Legacy Assets & Servicing.5 billion and $504.030 $ 232.8 billion for the fourth. interest rate and foreign currency risk management activities including the residual net interest income allocation. ALM activities encompass the whole-loan residential mortgage portfolio and investment securities.510 (4.694 166. September 30.245) 923 1. June 30.6 billion.0 billion.061 (2) (3) All Other consists of ALM activities.

070 $ $ Fourth Quarter 2013 100 292 392 82 474 $ $ Third Quarter 2013 122 1.135 935 2.610 291 2.122 62 1.184 $ $ Second Quarter 2013 52 524 576 104 680 $ $ First Quarter 2013 104 416 520 43 563 $ $ Fourth Quarter 2012 167 402 569 130 699 Certain prior period amounts have been reclassified among the segments to conform to current period presentation.000 1.901 $ $ 2012 589 546 1.087 $ $ 6 51 1 42 100 $ $ 190 (2) 6 184 378 Unfunded Commitments Total September 30 2013 Total Equity Investment Income (Loss) December 31. 2013 Book Value Global Principal Investments Private Equity Investments Global Real Estate Global Strategic Capital Legacy/Other Investments Total Global Principal Investments $ $ 20 296 759 529 1.731 $ $ 352 330 864 541 2. 2013 Three Months Ended Year Ended Components of Equity Investment Income (Dollars in millions) Year Ended December 31 2013 Global Principal Investments Strategic and other investments Total equity investment income included in All Other Total equity investment income included in the business segments Total consolidated equity investment income $ $ 378 2.604 $ $ — 31 96 — 127 $ $ 20 327 855 529 1. This information is preliminary and based on company data available at the time of the presentation. 35 .Bank of America Corporation and Subsidiaries Equity Investments (Dollars in millions) Global Principal Investments Exposures December 31.232 2.

977 529.653 90.893 25.S. Consumer loans accounted for under the fair value option were residential mortgage loans of $2.7 billion and non-U.2 billion and $1.1 billion and $12.5 billion and $37. $1. U.7 billion.646 $ December 31 2012 252.S. Includes dealer financial services loans of $38. $30.383 7.0 billion.697 83. $2.083 84.541 82. $39. $1.S.199 89.9 billion.2 billion at December 31.4 billion.S. consumer loans of $4. $87 million and $93 million at December 31. 2013 and December 31.140 94. This information is preliminary and based on company data available at the time of the presentation.7 billion at December 31. 2013.2 billion. Includes U.835 11. credit card Non-U.462 388.S.233 $ 224.186 539.066 93. student loans of $4.7 billion.819 (2) (3) (4) (5) (6) Includes pay option loans of $4. 2012. $175 million and $177 million and other non-U.S.3 billion and $4.5 billion. respectively. consumer leases of $606 million. $0 and $0 at December 31. 2012.589 92. residential mortgage loans of $0.7 billion. 2013 and December 31.280 11. $1. commercial (5) Commercial real estate (6) Commercial lease financing Non-U. $3. non-U.3 billion. credit card Direct/Indirect consumer (2) Other consumer (3) Total consumer loans excluding loans accounted for under the fair value option Consumer loans accounted for under the fair value option (4) Total consumer Commercial U.746 934. September 30.3 billion.950 225. 2013.6 billion.Bank of America Corporation and Subsidiaries Outstanding Loans and Leases (Dollars in millions) December 31 2013 Consumer Residential mortgage (1) Home equity U.010 394.2 billion and $6. 2013 and December 31.719 38. 2012. 36 .4 billion and $1.851 47. commercial loans of $6. respectively.5 billion and $35.434 1. $6.405 7.496 96.184 346. September 30. 2013. respectively. $5.S. consumer lending loans of $2.997 354.8 billion and $2.205 1. commercial real estate loans of $46.S. consumer loans of $5 million.5 billion at December 31.637 23. 2013 and December 31.672 92.1 billion. September 30.2 billion and non-U.3 billion. 2013 and December 31.940 24.S.S.5 billion. securities-based lending loans of $31.4 billion. 2013.7 billion and $8.S. commercial Total commercial loans excluding loans accounted for under the option Commercial loans accounted for under the fair value option (4) Total commercial Total loans and leases (1) September 30 2013 $ 253. 2013. and $34 million.S. $5. 2012.439 $ 248. September 30.3 billion and non-U.380 907. consumer overdrafts of $176 million.0 billion and $1.460 2.843 74. 2012.338 11.2 billion and $1. $492 million. $5 million and $5 million at December 31. Includes U. commercial loans of $1. Certain prior period amounts have been reclassified to conform to current period presentation. including card-related products.6 billion at December 31. Includes consumer finance loans of $1.2 billion and $5. 2013 and December 31.4 billion and $28. 2013 and December 31. 2012.878 396. $43. small business commercial loans.392 $ 209.262 44.628 552. 2012. Commercial loans accounted for under the fair value option were U. September 30. 2013. commercial real estate loans of $1.192 1.S.786 2. $13.3 billion.283 $ 928. $4. The Corporation no longer originates pay option loans. respectively.1 billion and $4.2 billion.913 537.164 531.0 billion. 2013.0 billion and home equity loans of $147 million.8 billion and other consumer loans of $1.945 386. respectively.929 108.035 1.005 553. respectively. September 30. September 30. respectively. $1.736 8.4 billion. of $13.

571 1.586 165. commercial Commercial real estate Commercial lease financing Non-U.849 13.581 $ Global Banking — — — — 1 2 3 $ Global Markets 56 144 — — 37 — 237 $ All Other $ 201.409 1.535 33.713 1.509 Consumer & Business Banking $ 678 145 86.270 92.533 — 13.136 45.488 4 183 21.874 163. commercial Commercial real estate Commercial lease financing Non-U.081 82.164 — — 31.324 $ Global Banking — — — — 3 — 3 $ Global Markets 83 108 — — 37 — 228 $ All Other $ 206.439 240.S.S.839 65.366 115. credit card Direct/Indirect consumer Other consumer Total consumer Commercial U.602 556.849 $ 35.081 10.777 $ 32.005 10.080 232.490 $ 19.265 227.546 $ 6.819 226.085 $ 35.121 $ Consumer Real Estate Services 3.430 1.S.278 Consumer Real Estate Services $ 4.311 — 35.833 46.468 97.257 66.396 $ 32.624) 38 5.601 $ 209.624 1.274 — — 45 — 89.929 535.205 13.661 11.564 110.940 GWIM 40.811 1.746 — 42.171 5.438 — 10.096 152 134. commercial Commercial real estate Commercial lease financing Non-U.180 $ 225.719 — — 34.531 $ Global Banking — — — — 4 4 8 $ Global Markets 93 84 — — 23 — 200 $ All Other $ 214.219 $ 73 1 — — 74 96.745 597 133. credit card Direct/Indirect consumer Other consumer Total consumer Commercial U.S. credit card Non-U.S.053 325 (1.075 929 28.134 732 — 8 32.550 167.863 394.613 $ 221.461 — 11.225 7 84.218 — 12 32. commercial Total commercial Total loans and leases $ 253.262 64.707 $ 82 — — — 82 88.057 53.097 689 (1.538 Fourth Quarter 2012 Total Corporation Consumer Residential mortgage Home equity U. commercial Total commercial Total loans and leases $ 256.494 $ 19.005 — 41.249 42.680) 82 6.752 $ 6.427 4 62 19. credit card Direct/Indirect consumer Other consumer Total consumer Commercial U.356 1.605 $ 121.633 7.761 — — 47 — 88.192 22.113 95.164 23.849 — 41.458 GWIM 45.049 Third Quarter 2013 Total Corporation Consumer Residential mortgage Home equity U.404 24.747 Consumer & Business Banking $ 628 146 90.128 Certain prior period amounts have been reclassified among the segments to conform to current period presentation.S.771 887 636 26.860 268.853 67.094 4 94.388 232.002 707 130.033 $ 17.869 94.823 66.364 3.082 260.228 5 91.496 38.516 84.622 25. 37 .S.406 $ 128. commercial Total commercial Total loans and leases $ 256. This information is preliminary and based on company data available at the time of the presentation.542 43.184 103.656 383.057 11.690 336.230 GWIM 47.202 2.188 247.172 24. credit card Non-U.343 — — 75 — 96.455 260.785 $ 7.846 268.160 1.115 68.Bank of America Corporation and Subsidiaries Quarterly Average Loans and Leases by Business Segment (Dollars in millions) Fourth Quarter 2013 Total Corporation Consumer Residential mortgage Home equity U.172 90.262 85.727 1.990 1.968 64.171 82.580) 21 4.407 8. credit card Non-U.S.949 Consumer & Business Banking $ 426 146 92.166 $ 30.217 893.231 923.S.152 $ 106 — — — 106 89.216 221.687 $ 132.669 $ Consumer Real Estate Services 1.139 112.596 46.392 232.S.587 4 151 21.268 929.S.978 $ 31.974 95.341 24.583 1.633 83.267 399 (1.297 98.898 341 458 12.330 — 18 32.S.773 1.867 540.602 39.388 90.691 1.464 1.

649 22.085) $ $ September 30 2013 $ 122. For purposes of this table.884 5.657) September 30 2013 $ 80.107 7.070 15.075 76.390 25.739 21.699 7.493 38.950 5.1 billion and $17.S.829 21.080 19. 2013 and December 31. total commercial committed exposure includes unfunded loan commitments at notional value of $12.243 22. $18.209 14.312 3. 2013 and December 31. 2013. In addition.3 billion and $58.312 31.897 15.791 13.672 43.280 14. the real estate industry is defined based on the borrowers’ or counterparties’ primary business activity using operating cash flows and primary source of repayment as key factors.637 49.661 23. $577 million and $672 million at December 31.203 11.846 5.986 12.390 7.733 12. 2012.494 (2) (3) (4) (5) Includes loans and leases.194 (11.312 14. This information is preliminary and based on company data available at the time of the presentation.647 19.103 3.6 billion and $18.309 823.156 34. $47.727 $ $ December 31 2013 $ 121.063 48. September 30.185 9. 2012.607 21.528 6.560 39.423 9.516 12. assets held-for-sale.0 billion and $8.396 41.423 54.159 18. 2013.165 14.6 billion at December 31.951 14.881 $ 471.849 49. 2012.801 12. 2013.008 4.770 14.336 32.212 21.344 23.172 13.838 9. securitized assets. derivative assets.699 41.438 7.091 13.253 39.549 3.491 4.920 43.441 36.488 50.271 54.378 31. 2.677 8.101 14.016 30.241 35.437 9. respectively.165 3. reflect the effects of legally enforceable master netting agreements and have been reduced by the amount of cash collateral applied of $47.928 7.244 9.357 $ 507.249 14. respectively.424 7. 3) (Dollars in millions) Commercial Utilized December 31 2013 Diversified financials Real estate (4) Retailing Capital goods Healthcare equipment and services Government and public education Banking Materials Energy Consumer services Commercial services and supplies Food. Not reflected in utilized and committed exposure is additional derivative collateral held of $17. commercial letters of credit.818 11.314 72.125 11. beverage and tobacco Utilities Media Transportation Individuals and trusts Software and services Pharmaceuticals and biotechnology Technology hardware and equipment Insurance.1 billion at December 31.809 17.9 billion.095 42.529 32.350 22.828 40. bankers’ acceptances.655 22.541 5.7 billion which consists primarily of other marketable securities at December 31.425 21.864 6. 2013 and December 31.757 8.705 20.102 47.005 (14.053 31. $8.462 5.639 47. Includes U. 38 .850 3.031 49.255 17.007 30.258 3.194 23.111 8.303 5.452 5. Industries are viewed from a variety of perspectives to best isolate the perceived risks.071 29.219 51.593 27.799 12.574 65.455 6.859 28. respectively.253 13.277 44.822 40.204) $ $ $ December 31 2012 99.257 37.166 830.117 10.065 25. Certain prior period amounts have been reclassified to conform to current period presentation.331 $ 512.427 3. standby letters of credit and financial guarantees. including monolines Telecommunication services Consumer durables and apparel Automobiles and components Food and staples retailing Religious and social organizations Other Total commercial credit exposure by industry Net credit default protection purchased on total commitments (5) (1) Total Commercial Committed December 31 2012 $ 66.124 767.479 28.166 5.875 4.543 7.926 4.093 19.384 19.217 32.401 11. September 30.418 54.543 5. September 30.Bank of America Corporation and Subsidiaries Commercial Credit Exposure by Industry (1.221 48.616 52.403 13.541 25.1 billion. small business commercial exposure.595 18.638 43.196 45.916 5.246 3.441 39. Total commercial utilized and total commercial committed exposure includes loans and letters of credit measured at fair value and are comprised of loans outstanding of $7. 2013.719 49.814 6.016 $ 78.367 30.677 8. foreclosed properties and other collateral acquired.675 6.0 billion and issued letters of credit at notional value of $503 million. $14.681 14. Derivative assets are carried at fair value.020 14.909 7. September 30.492 5.825 (8. respectively.3 billion.738 8. 2013 and December 31.516 51. Represents net notional credit protection purchased.276 8. 2012.5 billion.322 45.068 22.479 8.

1 39.125) (509) (128) (75) $ (11.0 4. Ratings are refreshed on a quarterly basis.7 10. credit exposure can be added by selling credit protection.137) (452) (115) 66 $ (8. NR is comprised of index positions held and any names that have not been rated.464) (4.1 5.0% 2.0% Net Notional (4) $ — (7) (2.880) (1. This information is preliminary and based on company data available at the time of the presentation.560) (3.5 1. 39 .0 14.085) Percent of Total (2) (3) (4) (5) To mitigate the cost of purchasing credit protection.1 31. credit exposure can be added by selling credit protection. 2013 Net Notional (4) $ (107) (231) (4.4 (0.9) 100.204) Percent of Total 1.0% —% 0. Ratings of BBB.Bank of America Corporation and Subsidiaries Net Credit Default Protection by Maturity Profile (1) December 31 2013 Less than or equal to one year Greater than one year and less than or equal to five years Greater than five years Total net credit default protection (1) September 30 2013 29% 69 2 100% 35% 63 2 100% To mitigate the cost of purchasing credit protection. 2013 Ratings (2. The distribution of maturities for net credit default protection purchased is shown above.7 48.565) (1. Net Credit Default Protection by Credit Exposure Debt Rating (1) (Dollars in millions) December 31.8 40. Represents net credit default protection (purchased) sold.6 1. 3) AAA AA A BBB BB B CCC and below NR (5) Total net credit default protection (1) September 30.or higher are considered to meet the definition of investment grade.1 0.8 100. The distribution of debt rating for net notional credit default protection purchased is shown as a negative and the net notional credit protection sold is shown as a positive amount. Certain prior period amounts have been reclassified to conform to current period presentation.

771 2.408 7.214) (510) (2.464 14.S.712 6.618) (241) (4.614 3.475 2.997 7.760 4.429) (1. zero by short exposures and net credit default swaps purchased. pledged under legally enforceable master netting agreements. which is used to mitigate the Corporation's risk to country exposures as listed.824 3.001 2.208 10.401 3.204 5.635 6.337) 225 200 1.745) (1.976 5.800 361 976 1.710 Net Counterparty Exposure (2) $ 5.173 3.262 6.811 13. Funded loans and loan equivalents are reported net of charge-offs but prior to any allowance for loan and lease losses.280 519 271 $ 43.808 13.546 5.384 7.722 6.632 12. which have not been reduced by collateral. net of credit default protection sold.635 7.820 Hedges and Credit Default Protection (4) $ (4.403 2.354 $ 111.854 2. Net counterparty exposure includes the fair value of derivatives.568 416 642 2.7 billion in collateral.720 216 (289) (181) (1.921 12.586 18.599 5.340 4.710 $ 223.259 1.718 10.Bank of America Corporation and Subsidiaries Top 20 Non-U.015 19.236 629 847 763 1.973 643 6. Long securities exposures are netted on a single-name basis to.115 7.545) 1.030 2.490) (213) (4.383) (1.251 10.202 4. net of credit default protection sold.496 621 2.591 10.374 3.598 9.827) $ 25. Secured financing transaction exposures are presented net of eligible cash or securities pledged as collateral.385 657 1.999 3.642 (2) (3) (4) (5) Includes loans.898 6.123 9.498 9.163 8.164 5.409 17.136 2.328 132 129 157 115 10 $ 19.947) (923) (59) (371) (1.758 960 811 3.773) (913) (949) (1.048 2.573 — 687 138 892 75 $ 48. countries exposure (1) Unfunded Loan Commitments $ 12.812 5. The notional amount of reverse repurchase transactions was $88. Derivative exposures are presented net of $35. 40 . This information is preliminary and based on company data available at the time of the presentation.8 billion.397) (179) (488) (4.790 477 2. which is predominantly cash.503 3.653) Funded Loans and Loan Equivalents (1) United Kingdom Canada Brazil China Germany India France Japan Australia Netherlands Russian Federation South Korea Switzerland Hong Kong Italy Taiwan Mexico Singapore Spain Turkey Total top 20 non-U. and secured financing transactions.126) (1.435 5.072 3.827 565 555 230 566 625 81 2. leases and other extensions of credit and funds.342 Securities/ Other Investments (3) $ 4.228 2. Represents credit default protection purchased.411 13.687 $ Increase (Decrease) from September 30 2013 $ (1. Countries Exposure (Dollars in millions) Country Exposure at December 31 2013 $ 48.598) (17) (30.096 2.223 4.075 8.942 698 587 4.829 3. Counterparty exposure is not presented net of hedges or credit default protection.150 374 3. including the counterparty risk associated with credit default swaps.131 4. consisting of net single-name and net indexed and tranched credit default swaps.499) 180 333 (7. Certain prior period amounts have been reclassified to conform to current period presentation.908 9. Represents country exposure less hedges and credit default protection purchased.693 $ 192.106 1.468 3.798 (342) (108) (2. Amounts are calculated based on the credit default swaps notional amount assuming a zero recovery rate less any fair value receivable or payable. consisting of single-name and net indexed and tranched credit default swaps.357 5.760 4.514 $ Net Country Exposure at December 31 2013 (5) $ 43.914 4.S. but not below.046 6. hedges or credit default protection.558) (59) (504) (147) (1.296 3. including letters of credit and due from placements.256 1.

Amounts are calculated based on the credit default swaps notional amount assuming a zero recovery rate less any fair value receivable or payable.403 (198) 3. hedges or credit default protection.0 billion.5 billion of net single-name credit default swaps purchased and $406 million of net indexed and tranched credit default swaps sold.629) $ (6.215 $ $ 3.516 3. pledged under legally enforceable master netting agreements. including $4.3 billion in additional credit default protection purchased to hedge derivative assets and $127 million in other short exposures. Derivative exposures are presented net of $1.958 17. Secured financing transaction exposures are presented net of eligible cash or securities pledged as collateral.938 1.598) (2. which is used to mitigate the Corporation's risk to country exposures as listed.1 billion in collateral.202 23 (102) (59) (138) (61) 948 2. consisting of $3.640 5.880 $ 7. Funded loans and loan equivalents are reported net of charge-offs but prior to any allowance for loan and lease losses.977 3.223 2.364 Increase (Decrease) from September 30 2013 $ 20 1 (47) $ $ (26) (47) 463 (50) $ $ 366 (1. which is predominantly cash. 41 .328 15 2 — 17 63 14 38 115 1.005 5.130 5. Long securities exposures are netted on a single-name basis to.032 9. including letters of credit and due from placements.708 319 647 2.096 — 4 90 $ $ 94 37 1.977 $ $ $ $ $ $ $ $ $ $ $ $ Net Counterparty Exposure (2) — — 2 2 19 124 69 212 1.846 1.369 3.187 2 1.156 $ $ 3.238 9.095) (1.799) (2.9 billion and net credit default swaps purchased of $1. and secured financing transactions. to hedge loans and securities. Certain prior period amounts have been reclassified to conform to current period presentation.5 billion in net indexed and tranched credit default swaps purchased.674 Securities/ Other Investments (3) $ 58 27 13 $ $ 98 — 44 55 $ $ 99 269 175 319 $ $ 763 35 — 40 $ $ 75 2 131 386 $ $ 519 364 377 813 $ 1. $2.0 billion in net single-name credit default swaps purchased and $1.554 $ $ $ $ $ $ $ $ $ $ $ $ Country Exposure at December 31 2013 58 27 139 224 38 990 818 1. which have not been reduced by collateral.001 2. consisting of $1.882 2.475 58 3. Represents credit default protection purchased. The notional amount of reverse repurchase transactions was $4.573 — — 103 $ $ 103 — 1 891 $ $ 892 — 359 4. Net counterparty exposure includes the fair value of derivatives. including the counterparty risk associated with credit default swaps. net of credit default protection sold.558) (27) (108) (292) $ $ (427) (163) (421) (1.530 5.310) 88 299 $ $ (923) 42 (57) (47) $ $ (62) (479) 261 398 $ $ 180 (1.410 4.328) (1.756) $ $ $ $ $ $ $ $ $ $ $ $ Net Country Exposure at December 31 2013 (5) 58 (3) 98 153 (5) 980 769 1.915 (2) (3) (4) (5) Includes loans.233) $ $ (4.Bank of America Corporation and Subsidiaries Select European Countries (Dollars in millions) Funded Loans and Loan Equivalents (1) Greece Sovereign Financial institutions Corporates Total Greece Ireland Sovereign Financial institutions Corporates Total Ireland Italy Sovereign Financial institutions Corporates Total Italy Portugal Sovereign Financial institutions Corporates Total Portugal Spain Sovereign Financial institutions Corporates Total Spain Total Sovereign Financial institutions Corporates Total select European exposure (1) Unfunded Loan Commitments $ — — 61 $ $ 61 — 10 338 $ $ 348 — 348 3.329 10.225 $ $ 3.774) 756 553 $ (465) $ — — 63 $ $ 63 19 812 356 $ $ 1. This information is preliminary and based on company data available at the time of the presentation. but not below. Counterparty exposure is not presented net of hedges or credit default protection.014) $ $ (1.233 7. zero by short exposures of $4.120 Hedges and Credit Default Protection (4) $ — (30) (41) $ $ (71) (43) (10) (49) $ $ (102) (2.9 billion.744 (213) 1. net of credit default protection sold.611 179 538 2.230) (1. Represents country exposure less hedges and credit default protection purchased.5 billion. leases and other extensions of credit and funds.760 50 6 233 289 102 1.618 $ 4.

0 billion.581 1. respectively.316 4. Foreclosed property balances do not include loans that are insured by the Federal Housing Administration and have entered foreclosure of $1.540 1. Certain prior period amounts have been reclassified to conform to current period presentation. 2013.149 623 $ $ 17.541 22.617 1.151 6.376 5.785 19.698 3.109 115 3.44 15. $81 million. 7) Nonperforming loans. 2012. 2010 (6) (7) (8) (9) Balances do not include loans held-for-sale past due 30 days or more and still accruing of $106 million.48 $ $ $ $ $ $ $ June 30 2013 14.861 3. September 30. 5) Fully-insured home loans past due 30 days or more and still accruing Consumer credit card past due 30 days or more and still accruing Other loans past due 30 days or more and still accruing Total loans past due 30 days or more and still accruing (4.075 35 18 15.Bank of America Corporation and Subsidiaries Nonperforming Loans. 2012. leases and foreclosed properties/Total assets (8) Nonperforming loans.53 2.282 1.727 21. March 31.685 17.0 billion at December 31. March 31.055 4.587 32. 2013. June 30.734 22.S.280 24. there were $158 million.960 1.224 22. exposure accounted for under the fair value option and other nonreservable exposure.512 $ $ 29. $1.05% 2. $2. leases and foreclosed properties.95% 2. 2013. 2013.184 614 $ 18.354 1.813 1.31% 3. This information is preliminary and based on company data available at the time of the presentation. September 30. and in general.028 21. Substandard and Doubtful asset categories defined by regulatory authorities.513 44 68 3. $17 million. 2012. $18 million and $130 million at December 31. June 30. respectively.624 110 2. 2012.797 2.418 16. Balances do not include past due consumer credit card. Total assets and total loans and leases do not include loans accounted for under the fair value option of $10.40 $ 11. 42 .582 1.541 655 23.325 662 22.157 1. $10. of loans accounted for under the fair value option past due 30 days or more and still accruing interest. as a result of regulatory guidance. March 31. 2013. September 30. 2012. commercial Commercial real estate Commercial lease financing Non-U.072 2.08 (2) (3) (4) During the fourth quarter of 2012. September 30. At December 31. 2013 and December 31.87 $ 12.001 4.842 24.221 88 1. respectively.759 0.75% 4. leases and foreclosed properties/Total loans.059 401 521 (5) Balances do not include the following: Nonperforming loans held-for-sale Nonperforming loans accounted for under the fair value option Nonaccruing troubled debt restructured loans removed from the purchased credit-impaired portfolio prior to January 1.6 billion.3 billion and $2.016 826 22. home equity loans of $5 million and direct/indirect consumer loans of $58 million to nonperforming as of December 31. 2013.643 637 21.176 59 18 17. The reservable criticized exposure excludes loans heldfor-sale.S.4 billion. 6. $301 million.282 92 2 19.655 900 $ $ 23.191 723 $ 19. respectively and loans held-for-sale past due 90 days or more and still accruing of $8 million.309 17. 2013. consumer loans secured by real estate where repayments are insured by the Federal Housing Administration and individually insured long-term stand-by agreements (fully-insured home loans).840 819 322 16 64 1. 2013 and December 31. $315 million and $518 million at December 31. 2013.147 33. leases and foreclosed properties (8) Nonperforming loans and leases/Total loans and leases (8) Commercial utilized reservable criticized exposure (9) Commercial utilized reservable criticized exposure/Commercial utilized reservable exposure (9) Total commercial utilized criticized exposure/Commercial utilized exposure (9) (1) September 30 2013 $ 13. 2013 and December 31.682 103 1. 7) Fully-insured home loans past due 90 days or more and still accruing Consumer credit card past due 90 days or more and still accruing Other loans past due 90 days or more and still accruing Total loans past due 90 days or more and still accruing (4. 6. September 30. June 30.8 billion and $9. $8.85% 1.006 3.484 1.2 billion. $0.139 19 112 2.279 627 10 80 1.328 4.050 412 512 December 31 2012 $ 1.02% 3.151 72 1 18. leases and foreclosed properties (3.07% 2. other consumer and commercial loans not secured by real estate.681 2.196 84 1 19. 2012. $1. December 31 2013 $ 672 448 260 September 30 2013 $ 972 467 356 $ June 30 2013 891 398 485 $ March 31 2013 1.64 $ $ $ $ $ $ $ March 31 2013 15.08 December 31 2012 $ 15.712 4.146 20.649 776 $ 24.321 5. $83 million and $87 million. March 31. 4. 2013.936 4.26 14.059 488 49 86 1. As a result of this change. small business commercial Total commercial Total nonperforming loans and leases Foreclosed properties (2) Total nonperforming loans.10 $ 14.17 2. 2013. commercial U.62 2.6 billion.928 3.S.5 billion at December 31.692 $ $ 35.93 1.733 2.01% 2.33 2.961 1. These balances are excluded from total nonperforming loans.366 662 $ $ 20.487 5.874 0.416 $ $ 28.103 20. March 31.555 25. we changed the treatment of loans discharged in Chapter 7 bankruptcy to write down these loans to collateral value and classify as nonperforming.10% 4. 2013. June 30.996 107 2. 2013. Balances do not include purchased credit-impaired loans even though the customer may be contractually past due. $9.52 $ 15.62% 3. we reclassified residential mortgage loans of $49 million. 2013.086 3. Purchased credit-impaired loans were recorded at fair value upon acquisition and accrete interest income over the remaining life of the loan. $153 million.431 1. 2013 and December 31. 2013. respectively.604 1.5 billion. $374 million. June 30.591 1. 2013 and December 31.847 6. Leases and Foreclosed Properties (Dollars in millions) December 31 2013 Residential mortgage (1) Home equity (1) Direct/Indirect consumer Other consumer Total consumer U. 2013.772 20. Criticized exposure corresponds to the Special Mention.

081 $ 17.282 620 19.076) (1.474 (3) (4) (5) (6) For amounts excluded from nonperforming loans. Includes U.S.901 $ 2. leases and foreclosed properties. Commercial loans and leases may be returned to performing status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected or when the loan otherwise becomes well-secured and is in the process of collection.785 116 $ 2.232 $ 2. beginning of period Additions to nonperforming loans and leases: New nonperforming loans and leases Implementation of change in treatment of loans discharged in bankruptcies (2) Reductions to nonperforming loans and leases: Paydowns and payoffs Sales Returns to performing status (3) Charge-offs (4) Transfers to foreclosed properties Transfers to loans held-for-sale Total net reductions to nonperforming loans and leases Total nonperforming consumer loans and leases.399 $ 1.902 $ $ Fourth Quarter 2012 19.840 533 $ 16.540 2. leases and foreclosed properties.224 250 $ 1.785 143 12 (322) (92) (87) (98) (12) (20) (476) 1.127 $ $ Second Quarter 2013 19.734 269 3 (312) (171) (243) (170) (7) — (631) 2. or when the loan otherwise becomes well-secured and is in the process of collection.112) (752) (147) (337) (1.940 $ 3.048 $ $ First Quarter 2013 19. Small business card loans are excluded as they are not classified as nonperforming.289 n/a (695) (175) (1. as a result of regulatory guidance.309 90 $ 2.373 $ 1. leases and foreclosed properties.540 508 19. Leases and Foreclosed Properties Activity (1) (Dollars in millions) Fourth Quarter 2013 Nonperforming Consumer Loans and Leases: Balance.734 206 $ 3.753 3. This information is preliminary and based on company data available at the time of the presentation.Bank of America Corporation and Subsidiaries Nonperforming Loans. the charge-offs on these loans have no impact on nonperforming activity and accordingly are excluded from this table.103 350 9 (380) (88) (91) (104) (14) — (318) 1.661 n/a (680) — (943) (1.224 350 6 (328) (147) (167) (177) (21) (6) (490) 2.431 2. Our policy is not to classify consumer credit card and non-bankruptcy related consumer loans not secured by real estate as nonperforming.439) (115) — (322) 19.503 n/a (544) (624) (1.079) (758) (131) (326) (959) 17.282 2. n/a = not applicable Certain prior period amounts have been reclassified to conform to current period presentation. end of period (1) (2) Third Quarter 2013 $ 18. see footnotes to Nonperforming Loans. Leases and Foreclosed Properties table on page 42.741) 15.103 129 $ 3. Troubled debt restructurings are generally classified as performing after a sustained period of demonstrated payment performance.581 2.199 n/a (863) (729) (1.431 650 20. beginning of period Additions to nonperforming loans and leases: New nonperforming loans and leases Advances Reductions to nonperforming loans and leases: Paydowns Sales Return to performing status (6) Charge-offs Transfers to foreclosed properties Transfers to loans held-for-sale Total net reductions to nonperforming loans and leases Total nonperforming commercial loans and leases.581 546 $ 18. end of period Nonperforming Commercial Loans and Leases (5): Balance. therefore.072) (115) — (149) 19.139) (932) (90) — (742) 18. Consumer loans and leases may be returned to performing status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected.211 112 (968) (47) (1. end of period Foreclosed properties Nonperforming consumer loans. Certain troubled debt restructurings are classified as nonperforming at the time of restructuring and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period. During the fourth quarter of 2012. generally six months. 43 . we changed the treatment of loans discharged in Chapter 7 bankruptcy to write down these loans to collateral value and classify as nonperforming.948 473 5 (445) (198) (249) (273) (37) — (724) 3. end of period Foreclosed properties Nonperforming commercial loans. small business commercial activity.

09 0.03) 0.23 1. 2012. annualized net charge-offs as a percentage of total average loans and leases outstanding were 0.62 for total net charge-offs for the three months ended December 31.09 0. September 30.75. Excludes U. 0.92 4.01 for home equity loans.90 for the three months ended December 31. commercial U. 2.20 0.35 13. 2013.52 0.01 0.16 3.09 0.111 2.Bank of America Corporation and Subsidiaries Quarterly Net Charge-offs and Net Charge-off Ratios (1.12 0.68 $ $ 1.62 0.S.11 (0.57 1.19 3.45 0.78 2. Including the write-offs of purchased credit-impaired loans.93 0.104 Percent 1. 2013 and December 31. credit card Non-U. March 31.44 for the three months ended December 31. 1. credit card Direct/Indirect consumer Other consumer Total consumer (4) U.68 $ $ 922 323 7 1 35 294 1.35% 1.158 465 78 (1) 51 360 2.302 45 93 (10) (15) 113 102 215 $ 2.30 1.04 0.582 Percent 0.22 0.01) 0.02 0.01 0. $839 million and $1.17 0.35 1. $313 million. 2013.12 — 0. 0.05 0. 2012.47 3.94 $ First Quarter 2013 Amount 383 684 947 112 124 52 2.18) (0. 2013.38 3.853 27 84 1 17 129 122 251 $ 3.14 3. 2013.86 0.01 0. Excluding the purchased credit-impaired loan portfolio.10 3.62 4.30 13. 2013 and December 31.28 0.111 Percent 0. Includes the impact of a clarification of regulatory guidance on accounting for troubled debt restructurings of $56 million for residential mortgage loans and $88 million for home equity loans for the three months ended December 31.687 2.14 0. commercial (5) Commercial real estate Commercial lease financing Non-U.241 660 68 2 61 485 2.05 — 0.08) 0.25 1. June 30. 2013. 44 . 2013.05 0. March 31. Excludes write-offs of purchased credit-impaired loans of $741 million. total annualized net charge-offs as a percentage of total average loans and leases outstanding were 0. $443 million. respectively.19 3.1 billion for the three months ended December 31. the Corporation changed the treatment of loans discharged in Chapter 7 bankruptcy to write down these loans to collateral value irrespective of the borrower's payment status.S. 2012.S.24% 1. March 31.12 0. respectively.46% 1.027 281 35 — 26 318 1. September 30.32 0. Excluding this impact.517 Percent 0.00.29% 3.14 $ $ 1.13 0.23 0.34 0.18 and 1.02 2.19 0. September 30.687 $ Percent 0. As a result of the completion of implementation.23 0.70 0.86 0.14% 2.33 0. 1. 3) (Dollars in millions) Fourth Quarter 2013 Net Charge-offs Residential mortgage (4) Home equity (4) U.12 0.42 11.915 43 44 (5) 16 98 98 196 $ 2. small business commercial Total commercial Total net charge-offs (4) By Business Segment Consumer & Business Banking Consumer Real Estate Services Global Banking Global Markets Global Wealth & Investment Management All Other Total net charge-offs (1) Third Quarter 2013 Amount 221 302 788 89 62 65 1. the Corporation charged off $73 million of current or less than 60 days delinquent loans for the three months ended December 31.383 732 132 1 91 765 3.43% 1.92. This information is preliminary and based on company data available at the time of the presentation.01 for total consumer loans and 0. 2012. total annualized net charge-offs and purchased creditimpaired write-offs as a percentage of total average loans and leases outstanding were 1. During 2012.08 2.527 68 11 (8) (2) 69 91 160 $ 1.60 0.09 0.40 Amount $ 209 331 724 94 73 66 1.81 1.96 (0.12 0. 2013.497 (28) 1 (2) 46 17 68 85 $ 1.33% 1.60% 2. 2013.15 0.24 for residential mortgage loans.S.70.77 4.09 0.73 $ Second Quarter 2013 Amount 271 486 917 104 86 51 1. 2013.94 15.54 0.61 12.43 (0.42 0.11 3.58 1.104 3.517 3. 0. 2013. 2013.08) 0.582 2.84% 2.13) (0.11 (0.S.22 3.14 $ Fourth Quarter 2012 Amount 729 768 978 119 195 64 2.07.52 and 1. June 30. 1.91 0.73 $ $ 1.40 (2) (3) (4) (5) Net charge-off ratios are calculated as annualized net charge-offs divided by average outstanding loans and leases excluding loans accounted for under the fair value option during the period for each loan and lease category.S.19 4. June 30.88 0.05) — (0.07 0.76 1. 1. Certain prior period amounts have been reclassified to conform to current period presentation.01 0.08 0. 1. small business commercial loans. respectively.94 $ $ 1.80 1. 2013 and December 31.97.03% 2.

05 0.632 581 763 232 13.80 3.803 3. small business commercial loans.07 — 0. Including the write-offs of purchased credit-impaired loans.348 1.67 $ 7. Includes the impact of a clarification of regulatory guidance on accounting for troubled debt restructurings of $56 million for residential mortgage loans and $88 million for home equity loans for the year ended December 31.73 for the years ended December 31.S. This information is preliminary and based on company data available at the time of the presentation.87 $ $ Amount 3.42% 1.90 and 1.729 188 2 173 1.38 1.908 (2) (3) (4) (5) (6) Net charge-off ratios are calculated as net charge-offs divided by average outstanding loans and leases excluding loans accounted for under the fair value option during the period for each loan and lease category.08 2.242 4.457 2. the Corporation changed the treatment of loans discharged in Chapter 7 bankruptcy to write down these loans to collateral value irrespective of the borrower's payment status. credit card Non-U.347 14.13 1.04 0. 2.71 for home equity loans.Bank of America Corporation and Subsidiaries Annual Net Charge-offs and Net Charge-off Ratios (1.10) 0.3 billion and $2.85 2.46 0. 2013 and 2012.84 0.42 12. 1.35 (0.059 436 14 370 3. 3. credit card Direct/Indirect consumer Other consumer Total consumer (5) U. commercial (6) Commercial real estate Commercial lease financing Non-U.97 0.111 4. As a result of the completion of implementation.13 and 1.897 $ 4.084 1.64% 1. net charge-offs as a percentage of total average loans and leases outstanding were 0. Excluding the purchased credit-impaired loan portfolio. Certain prior period amounts have been reclassified to conform to current period presentation.376 399 345 234 7. Excludes write-offs of purchased credit-impaired loans of $2. During 2012.20 0.90 9. Excluding this impact.S.908 Percent 1. 1.8 billion for the years ended December 31.85 for total net charge-offs for the year ended December 31. 4) (Dollars in millions) Year Ended December 31 2013 Net Charge-offs Residential mortgage (5) Home equity (5) U.73% 3.06 0.40 for residential mortgage loans. the Corporation charged off $551 million of current or less than 60 days delinquent loans for the year ended December 31.03) 0.96 1.62 0.94 0.05 0.88 4.452 4. 2013.62 4.S.87 $ 6. total net charge-offs as a percentage of total average loans and leases outstanding were 0.S.16 0.99 for the years ended December 31. 2012.31 for total consumer loans and 0.67 Amount $ 1. 2013 and 2012.74 3.43 1.897 $ 14.21 5. small business commercial Total commercial Total net charge-offs (5) By Business Segment Consumer & Business Banking Consumer Real Estate Services Global Banking Global Markets Global Wealth & Investment Management All Other Total net charge-offs (1) 2012 Percent 0.37 1. 45 . commercial U.S. The 2012 amounts include $435 million of charge-offs incurred as a result of National Mortgage Settlement activities.18 0.68 0.29 0. Excludes U. 2013. 2013 and 2012.S.36 0.577 3.241 128 149 (25) 45 297 359 656 $ 7.01 (0.561 242 384 (6) 28 648 699 1.34 0.18% 3. total net charge-offs and purchased credit-impaired write-offs as a percentage of total average loans and leases outstanding were 1.

2012.23 12.91 0.35 4.40 0. 2013 and December 31. 46 .00% Percent of Loans and Leases Outstanding (1) 1. $0 and $0 at December 31.61 0.49 17.2 billion and $9.943 2. 5) Allowance for loan and lease losses/Total nonperforming loans and leases (6) Allowance for loan and lease losses (excluding the valuation allowance for purchased creditimpaired loans)/Total nonperforming loans and leases (5) Ratio of the allowance for loan and lease losses/ Annualized net charge-offs (7) Ratio of the allowance for loan and lease losses (excluding purchased credit-impaired loans)/ Annualized net charge-offs (5) Ratio of the allowance for loan and lease losses/ Annualized net charge-offs and purchased credit-impaired write-offs (1) Amount $ 4. September 30.4 billion. respectively. Certain prior period amounts have been reclassified to conform to current period presentation.19% 28.38 2.52 82. Net charge-offs exclude $741 million.97 0.74 5. $2.00% Percent of Loans and Leases Outstanding (1) 1.65 5.81 0. Includes allowance for loan and lease losses for U.44 (2) (3) (4) (5) (6) (7) Ratios are calculated as allowance for loan and lease losses as a percentage of loans and leases outstanding excluding loans accounted for under the fair value option.423 2.98 0.S.64 1.95 100. allowance for loan and lease losses as a percentage of total nonperforming loans and leases was 57 percent.088 7. respectively.90 2.credit card Direct/Indirect consumer Other consumer Total consumer U.912 Amount $ 7.428 484 $ 17.80 3.S.15 7. Consumer loans accounted for under the fair value option included residential mortgage loans of $2.05 10.8 billion and $2. respectively.1 billion of write-offs in the purchased credit-impaired loan portfolio at December 31. $6.718 600 718 104 21. $510 million and $642 million at December 31. respectively.65% 4.42 1.5 billion.02 13. 2013 and December 31. 2013 and December 31.S.81 0.394 917 118 576 4. 2013.296 488 546 100 15.2 billion and $1.33 0.43 87.85 100. 2013 and December 31.50 2.90 82 1. 2013. 2013.52 0.00% Percent of Loans and Leases Outstanding (1) 2. 54 percent and 54 percent at December 31.005 17.26 4.0 billion.5 billion.7 billion at December 31.30 1. 2013 and December 31.80% 7. $10. respectively. credit card Non-U. 2013. September 30.43% 25.2 billion and $5.96 2.45 19.90 2.432 480 $ 19.99 0. 2013. These write-offs decreased the purchased credit-impaired valuation allowance included as part of the allowance for loan and lease losses. $9.0 billion at December 31.02 2. 2012. Excluding these amounts.Bank of America Corporation and Subsidiaries Allocation of the Allowance for Credit Losses by Product Type (Dollars in millions) December 31.51 1.11 2.commercial Total commercial (3) Allowance for loan and lease losses Reserve for unfunded lending commitments Allowance for credit losses Asset Quality Indicators Allowance for loan and lease losses/Total loans and leases (4) Allowance for loan and lease losses (excluding the valuation allowance for purchased creditimpaired loans)/Total loans and leases (excluding purchased credit-impaired loans) (4.90 September 30.3 billion and non-U.51 5.14 107 87 2. respectively.40 0. 2013 and December 31.0 billion and $12.53 1. 2013 Percent of Total 25.912 Amount $ 4.90% 2.0 billion allocated to products (primarily the Consumer Lending portfolios within Consumer & Business Banking and purchased credit-impaired loans) that are excluded from nonperforming loans and leases at December 31.S.76 4. Includes allowance for loan and lease losses for impaired commercial loans of $277 million.692 1. September 30.58 77. respectively. Excludes valuation allowance on purchased credit-impaired loans of $2.81 4. small business commercial loans of $462 million.31% 32. 2012.39 0. 2013.7 billion.73 4. Total loans and leases do not include loans accounted for under the fair value option of $10. Commercial loans accounted for under the fair value option included U.47 0.26 0.51 2.69 Allowance for loan and lease losses Residential mortgage Home equity U.06 1. September 30.845 4.13 0.2 billion and $5.434 3.97 5. 2013 and December 31.073 1. This information is preliminary and based on company data available at the time of the presentation.5 billion at December 31.30 22.0 billion and home equity loans of $147 million. 2012. 2012.0 billion. commercial loans of $1.885 846 78 297 3.86 6. 2013.44 22. 2013 and December 31. $286 million and $475 million at December 31.91 22. Allowance for loan and lease losses includes $7. respectively.98 100. September 30.55 2. September 30.81 100 2. $443 million and $1.19 0.106 24.63 2.S.S. 2012 Percent of Total 29.93% 5.S.32 1.084 4.69% 1. September 30.618 4.40 0. respectively. 2012.50 0.895 5.90 2.51 2. 2012.78 84 2. 2012. 2013. $1.97 0. 2013 Percent of Total 23.89 2.10 December 31.67 102 1.68 3. 2013 and December 31. 2012. commercial (2) Commercial real estate Commercial lease financing Non-U.40 3.489 19.48 2. $3.012 895 98 484 3.10% 2.179 513 $ 24. 2013. commercial loans of $6. September 30.21 2.03 1.930 459 417 99 13.26 3.90 1. September 30.

Exhibit A: Non-GAAP Reconciliations Bank of America Corporation and Subsidiaries Reconciliations to GAAP Financial Measures (Dollars in millions) The Corporation evaluates its business based on a fully taxable-equivalent basis. The tangible equity ratio represents adjusted ending shareholders' equity divided by total assets less goodwill and intangible assets (excluding mortgage servicing rights). This information is preliminary and based on company data available at the time of the presentation.974) (7. the Corporation adjusted the amount of capital being allocated to its business segments.874) 2. For purposes of this calculation.235 $ $ 21.557 $ $ 10. net of interest expense on a fully taxable-equivalent basis Total revenue. relationship and investment models all use return on average tangible shareholders' equity as key measures to support our overall growth goals.549) 2.334 901 84. March 31.790 (69.593 $ 160.530 213 21. net interest income is adjusted to reflect tax-exempt income on an equivalent before-tax basis with a corresponding increase in income tax expense.392 (69.945) (6. Tangible equity represents an adjusted shareholders' equity or common shareholders' equity amount which has been reduced by goodwill and intangible assets (excluding mortgage servicing rights).950 $ 218. The efficiency ratio measures the costs expended to generate a dollar of revenue.132) 2.754 $ 216.425 $ 162.993) 2. net of related deferred tax liabilities.664 211 10.266 213 10.425 $ 144.600 $ $ (1.864) (5. Return on average tangible shareholders' equity measures the Corporation's earnings contribution as a percentage of adjusted average total shareholders' equity.875 $ $ 10. September 30.993) 2. This measure ensures comparability of net interest income arising from taxable and tax-exempt sources.486 222 1. Tangible book value per common share represents adjusted ending common shareholders' equity divided by ending common shares outstanding. the Corporation uses the federal statutory tax rate of 35 percent.156 $ 219. June 30.e.942 859 89. the capital being allocated to the Corporation’s business segments with the result being additional capital allocated to the business segments.223 $ 236.233 $ 235.949 $ $ 23.166 $ 218.197 211 23. The capital allocated to the Corporation's business segments is currently referred to as allocated capital and.549 222 10. 2013. both of which represent non-GAAP financial measures.561 $ $ 1. net of related deferred tax liabilities.930) (6.741 859 5.265 859 43.360 $ 144. Total revenue. prior to January 1. net of interest expense Fully taxable-equivalent adjustment Total revenue.324 231 10.792 $ 235. efficiency ratios and net interest yield) on a fully taxable-equivalent basis.910) (6.270) 2.727 222 22. Allocated capital is subject to change over time.730 $ 216.725) 2. The refined methodology (allocated capital) now also considers the effect of regulatory capital requirements in addition to internal risk-based economic capital models. To derive the fully taxable-equivalent basis.999 $ $ 10. net of related deferred tax liabilities.488 213 21.124 $ $ 40.549) 2. The Corporation views related ratios and analyses (i.593 $ 142.225 (69.296 $ 156.926 $ 238.930) (6. on a prospective basis.249 $ 220.468 (69.801 $ $ 83.360 $ 161.328 $ 160. The adjustment reflects a refinement to the prior-year methodology (economic capital) which focused solely on internal risk-based economic capital models.328 $ 144.974) (7.660 231 18. In addition. The Corporation believes the use of these non-GAAP financial measures provides additional clarity in assessing the results of the Corporation. 47 . business and operational risk components. net of interest expense on a fully taxable-equivalent basis $ $ 88.903) (5..701 $ $ 21.976) (6.976) (6. The Corporation's internal risk-based capital models use a risk-adjusted methodology incorporating each segment's credit.995 (69. a non-GAAP financial measure.152 Certain prior period amounts have been reclassified to conform to current period presentation.903) (5.366) 2.996 (69.656 901 41.231 $ 160.270) 2. See the tables below and on pages 48-50 for reconciliations of these non-GAAP financial measures to financial measures defined by GAAP for the years ended December 31. 2012.384 Reconciliation of average shareholders' equity to average tangible shareholders' equity Shareholders' equity Goodwill Intangible assets (excluding mortgage servicing rights) Related deferred tax liabilities Tangible shareholders' equity $ 233.057 $ 230.786 213 10. net of interest expense.708 $ $ 501 211 712 $ $ (2. Year Ended December 31 2013 Reconciliation of net interest income to net interest income on a fully taxable-equivalent basis Net interest income Fully taxable-equivalent adjustment Net interest income on a fully taxable-equivalent basis $ $ 42. net of interest expense to total revenue.366) 2.088 (69.930 $ 233.891 Reconciliation of income tax expense (benefit) to income tax expense (benefit) on a fully taxable-equivalent basis Income tax expense (benefit) Fully taxable-equivalent adjustment Income tax expense (benefit) on a fully taxable-equivalent basis $ $ 4.405) Reconciliation of average common shareholders' equity to average tangible common shareholders' equity Common shareholders' equity Goodwill Intangible assets (excluding mortgage servicing rights) Related deferred tax liabilities Tangible common shareholders' equity $ 218. The Corporation plans to further refine.512 (69.910) (6. Return on average tangible common shareholders' equity measures the Corporation's earnings contribution as a percentage of adjusted average common shareholders' equity.744 (69. The tangible common equity ratio represents adjusted ending common shareholders' equity divided by total assets less goodwill and intangible assets (excluding mortgage servicing rights).636) 231 (2. Effective January 1. was referred to as economic capital.479 $ $ 10. 2013.415 (69.677 (69.348 213 2.408 $ $ 18. a non-GAAP financial measure.864) (5.116) 901 (215) $ $ 406 213 619 $ $ 2. profitability. The Corporation also evaluates its business based on the following ratios that utilize tangible equity.743 $ $ 22. 2013 and December 31.490 $ 164.132) 2. market.947 (69. Other companies may define or calculate supplemental financial data differently.231 $ 146.945) (6.766 (69. and the three months ended December 31. includes net interest income on a fully taxable-equivalent basis and noninterest income. and net interest yield measures the basis points the Corporation earns over the cost of funds. in the first quarter of 2014.296 $ 143. The Corporation believes managing the business with net interest income on a fully taxable-equivalent basis provides a more accurate picture of the interest margin for comparative purposes.725) 2. 2013. 2013 and 2012.063 (69. 2013.771 $ $ 10. 2013.555 2012 Fourth Quarter 2013 Third Quarter 2013 Second Quarter 2013 First Quarter 2013 Fourth Quarter 2012 Reconciliation of total revenue. These measures are used to evaluate the Corporation's use of equity.490 $ 145.874) 2. interest rate.

844) (5.653 (69.297 $ 143.742 $ 232.684) 2.029.684) 2.029.123.363 $ 144.081 $ 218.974 (69.976) (6.930) (6.231 $2.956 Reconciliation of period-end shareholders' equity to period-end tangible shareholders' equity Shareholders' equity Goodwill Intangible assets (excluding mortgage servicing rights) Related deferred tax liabilities Tangible shareholders' equity Reconciliation of period-end assets to period-end tangible assets Assets Goodwill Intangible assets (excluding mortgage servicing rights) Related deferred tax liabilities Tangible assets $2.428 $2.188 (69.976) (6.100.166 $ 146.844) (5.347 $ 236.166 $ 159.724 $ 232.209.844) (5.363 $2.930) (6.428 $ 143.428 $2.188 (69.209.166 $ 146.150 $2.135.104) 2.135.976) (6.956 (69.844) (5.976) (6.166 $2.126.104) 2.333 (69.297 $ 157.891) (5.379) 2.956 $ 219.293 (69. This information is preliminary and based on company data available at the time of the presentation.428 $ 143.166 $2.282 (69.685 (69.583 $2.049.379) 2.684) 2.464 $ 216.684) 2.054 $ 218.021 $2.297 $2.956 (69.791 (69.976) (6.053.684) 2.891) (5.930) (6.930) (6.891) (5.574) 2.724 Certain prior period amounts have been reclassified to conform to current period presentation.273 (69.433 $ 232.844) (5.166 $ 159.819 (69.032 (69.513 (69.081 $ 218.574) 2.843) 2.428 $ 162.930) (6.174.433 $ 236.379) 2.843) 2.684) 2.685 (69.843) 2. 48 .574) 2.102.574) 2.320 (69.742 $2.231 $ 158.574) 2.102.967 (69.295 $ 237.976) (6.333 (69.104) 2.567 $ 218.231 $ 145.873 $2.363 $ 163.273 (69.574) 2.021 $2.779 $ 231.974 (69.844) (5.428 $ 162.930) (6.Exhibit A: Non-GAAP Reconciliations (continued) Bank of America Corporation and Subsidiaries Reconciliations to GAAP Financial Measures (Dollars in millions) Year Ended December 31 2013 2012 Fourth Quarter 2013 Third Quarter 2013 Second Quarter 2013 First Quarter 2013 Fourth Quarter 2012 Reconciliation of period-end common shareholders' equity to period-end tangible common shareholders' equity Common shareholders' equity Goodwill Intangible assets (excluding mortgage servicing rights) Related deferred tax liabilities Tangible common shareholders' equity $ 219.

571 35.267 45.392 1 1.561 2012 Fourth Quarter 2013 Third Quarter 2013 Second Quarter 2013 First Quarter 2013 Fourth Quarter 2012 This information is preliminary and based on company data available at the time of the presentation.292) 10.340) 8.292 45.000 $ $ $ $ 181 2 183 19.265) 10.265 (10.281 1 1.000 $ $ $ $ (778) 2 (776) 35.372) 30.000 $ $ $ $ 758 4 762 20.245 22 2.238 19. $ $ $ $ 2.416) 23.449 56.193 (5.000 $ $ $ $ 1.300 (10.323 (10.000 $ $ $ $ 720 4 724 20.369 (5.395 2 1.292 (10.588 7 6.032 (32.397 62.372) 30.546 13 5.267 — 1.058) 30.184 $ $ $ $ 4.562 (5.170 35.300) 10.000 $ $ $ $ 1.032) 30.323) 10.595 62.381 (5.000 $ $ $ $ 5.968 62.214 (32.000 $ $ $ $ 1.051 $ $ $ $ 1.372 (5.283 (10.559 56.083 (32.370) 7.412 (22.229 9 1.449 62.413) 23.000 $ $ $ $ 1.045) 30.312 $ $ $ $ 1.283) 10.163) 24.000 $ $ $ $ 1.000 $ $ $ $ 1.416 (22.000 $ $ $ $ 5.990 20.149 $ $ $ $ 1.000 $ $ $ $ 1.282 45.007) 30.410 (22.000 $ $ $ $ 2.000 $ $ $ $ 576 5 581 18.546 (22.373 (5.673 (32.000 $ $ $ $ 1.123 $ $ $ $ 6.112) 24.373) 30.292 — 1.369) 30.967 1 1.976 45.430) 19.423) 19.000 $ $ $ $ 958 2 960 35.729 (10.000 $ $ $ $ 1.007 (32.168 2 1.393 41.974 2 4.045 (32.446 3 1.824 $ $ $ $ 215 2 217 35.410) 23.974 16 2.134 1 1. 49 .083) 30.135 45. Certain prior period amounts have been reclassified to conform to current period presentation.344 4 5.407 (22.779 2 1.447 2 1.412) 23.378) 14.781 62.359 $ $ $ $ 777 4 781 20.000 $ $ $ $ 1.267 17.563 8 1.348 41.381) 30.742 (22.413 (22.Exhibit A: Non-GAAP Reconciliations (continued) Bank of America Corporation and Subsidiaries Reconciliations to GAAP Financial Measures (Dollars in millions) Year Ended December 31 2013 Reconciliation of return on average allocated capital/economic capital (1) Consumer & Business Banking Reported net income Adjustment related to intangibles (2) Adjusted net income Average allocated equity (3) Adjustment related to goodwill and a percentage of intangibles Average allocated capital/economic capital Global Banking Reported net income Adjustment related to intangibles (2) Adjusted net income Average allocated equity (3) Adjustment related to goodwill and a percentage of intangibles Average allocated capital/economic capital Global Markets Reported net income (loss) Adjustment related to intangibles (2) Adjusted net income (loss) Average allocated equity (3) Adjustment related to goodwill and a percentage of intangibles Average allocated capital/economic capital Global Wealth & Investment Management Reported net income Adjustment related to intangibles (2) Adjusted net income Average allocated equity (3) Adjustment related to goodwill and a percentage of intangibles Average allocated capital/economic capital For footnotes see page 50.407) 23.058 (32.369) 13.000 $ $ $ $ 719 4 723 20.372 (5.489 (10.

034) 14.600 $ $ $ $ 1.600 $ $ $ $ 1.400 $ $ $ $ 1.467 $ $ $ $ 4.142) 11.400 $ $ $ $ 333 — 333 33.263 33.021) 12.116 23. earnings credits and certain expenses related to intangibles.000) 15.394 (19.400 $ $ $ $ 572 — 572 35.293 1 1. Certain prior period amounts have been reclassified to conform to current period presentation.479 (20.285 12 4.398 (19.100) 11. 50 . This information is preliminary and based on company data available at the time of the presentation.998) 15.613 (12. Represents cost of funds.113 3 1.066 $ $ $ $ 1.985 $ $ $ $ 674 — 674 35.208 (12.194 (12.Exhibit A: Non-GAAP Reconciliations (continued) Bank of America Corporation and Subsidiaries Reconciliations to GAAP Financial Measures (Dollars in millions) Year Ended December 31 2013 Consumer & Business Banking Deposits Reported net income Adjustment related to intangibles (2) Adjusted net income Average allocated equity (3) Adjustment related to goodwill and a percentage of intangibles Average allocated capital/economic capital Consumer Lending Reported net income Adjustment related to intangibles (2) Adjusted net income Average allocated equity (3) Adjustment related to goodwill and a percentage of intangibles Average allocated capital/economic capital (1) (2) (3) 2012 Fourth Quarter 2013 Third Quarter 2013 Fourth Quarter 2012 $ $ $ $ 2.128 35.261 2 1.012) 13.600 $ $ $ $ 4.207 1 1.044) 14. Average allocated equity is comprised of average allocated capital (or economic capital prior to 2013) plus capital for the portion of goodwill and intangibles specifically assigned to the business segment.294 26.127 1 2.634 (12.644 (12.994) 15.297 23.461 7 4.208 26.094 There are no adjustments to reported net income (loss) or average allocated equity for Consumer Real Estate Services.013) 14.468 26.006 (20.400 (20.