B of A 4th quarter

Bank of America

4^th Quarter Performance

14648 N. SCOTTSDALE RD. SUITE 250 SCOTTSDALE, AZ 85254 480-624-0385 Karen.D.Jones@BankofAmerica.com

Supporting Customers

In the fourth quarter of 2008, we:

• Originated more than $60 billion in new loans for consumers, including

– $45 billion in mortgages

– $5 billion in home equity

– $2 billion for vehicles, boats, RVs

– $8 billion in domestic card and unsecured consumer credit

– $800 million in student loans

• Opened 130,000 net new checking accounts

• Opened 380,000 net new savings accounts

• Opened nearly 400,000 Risk Free CDs

• Grew overall retail core deposits by 15% year-over-year

Supporting Businesses

In the fourth quarter of 2008, we:

• Made $49 billion in commercial loans

• Made $7 billion in commercial real estate loans

• Extended nearly $1 billion in new credit to more than 47,000 small business customers

• Grew overall commercial deposits by 12% year-over-year

• Raised more than $30.6 billion in debt and equity capital for our clients

“2009 is the Year of Recovery….One Home at a Time!”

Brad Bergamini

GRI, CBR, ABR, REALTOR

The Bergamini Group

Realty Executives Northern Arizona

503 East Gurley Street

Prescott, Arizona 86301

Group: 928.237.4400

Main: 928.777.0257 ext 43

Cell: 928.533.1633

Fax: 928.237.4401

"Look at market fluctuations as your friend rather than your enemy; profit from folly rather than participate in it." --Warren Buffett