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Bank of America Corporation IT

SOX IPO 1) 2) 3) 1) Clark et al. Clark, Timothy, Astrid Dick, Beverly Hirtle, Kevin J. Stiroh, and Robard Williams, The Role of Retail Banking in the U.S. Banking Industry : Risk, Return, and Industry Structure, FRB NY, Economic Policy Review, December 2007, p.53. 2) Ibid., p.50. 3) 1994 2003 1000 9200 2 Hirtle, Beverly and Christopher Metli, The Evolution of U.S. Bank Branch Networks : Growth, Consolidation, and Strategy, FRB NY, Current Issues in Economic and Finance, Vol.10, No.8, July 2004, p.2.

Bank of America Corporation 4) BankAmerica Bank of America Corporation Bank of America, NT & SA 5) 6) NY 7) BankAmerica 4) Citigroup JPMorgan Chase 1Citigroup, Inc. 61 4 2017 3 2JPMorgan Chase & Co. 62 1 2017 6 Bank of America Corporation NationsBank BankAmerica 5) Merger Bank & Finance Manual 1974 BankAmerica 1979 Citicorp 6) 1904 Bank of Italy 1980 BankAmerica Hector, Gary, Breaking The Bank : The Decline of BankAmerica, 19881989 BankAmerica Corporation 1968 Bank of America, NT & SA 7) 1998 142144

BankAmerica/Bank of America Corporation BoA NT&SA American Banker Merger Bank & Finance Manual BoA, NA American Banker NationsBank BoA, NA Call Report Merger Bank & Finance Manual American Banker Consolidated Reports of Condition and Income for A Bank With Domestic and Foreign Offices, Bank of America, N.A. 8) Security Pacific Corp. 9) BankAmerica Continental Bank Corporation Continental Chemical Bank of 8) 1987 1982 1224 9) Merger Bank & Finance Manual BankAmerica Valley Capital Corp. RTC Sunbelt Federal Savings H. F. Holdings, Inc.

America, FSB Robertson, Stephens & Company Group, LLC BankAmerica 10) BankAmerica NationsBank Corporation 11) NationsBank Barnett Banks Inc. Bank of America Corporation Bank of America FleetBoston Financial Corporation DC 12) 10) 1999 1996 FRB 20 25 11) NationsBank Corporation BankAmerica BankAmerica Form 10-K, BankAmerica Corporation, For the Fiscal Year Ended December 31, 1998, p.2. 1999 Bank of America Corporation NationsBank 1997 Robertson Stephens Montgomery Securities BankAmerica NationsBank Robertson Stephens BankBoston Truell, Peter, BankBoston Deal Seen for BankAmerica Securities Unit, New York Times, Late Edition (East Coast), 29 May, 1998. 12) Form 10-K, Bank of America, For 2004, pp.1-2. 8 8 2 4 DC 3

Works, Inc. MBNA Corp. FleetBoston Bank of America 13) MBNA Bank of America 14) BankAmerica Bank of America Security Pacific Security Pacific Continental NationsBank 15) FleetBoston 13) 2005 52 14) Bank of AmericaAmerican ExpressJPMorgan ChaseCitigroup Capital One 5 7000 3/4 Bank of America Bank of America, Absorbing MBNA, Is No.1 in Credit Cards, New York Times, Late Edition (East Coast), 2 January, 2006. 15) 1999 7 NationsBank, NA Bank of America, NA Bank of America, NT & SA Form 10-K, Bank of America, For 2000, p.72.

16) MBNA Citigroup JPMorgan Chase Bank of America Bank of America, NT & SA Bank of America 17) Security Pacific Continental NationsBank Bank of America, NA JPMorgan Chase Bank FleetBoston 16) FleetBoston Fleet 1997 Quick & Reilly Fleet BankBoston 1998 BankAmerica Robertson Stephens Tarquinio, J. Alex, Merger in New England : Robertson Stephens Unit CEO Sees Major Plus to Fleet Deal : Affiliation with Quick & Reilly, American Banker, 16 March, 1999. Bank of America 2004 Direct Access Financial Corp. 17) 1986 1987 10 1987 1 Citibank2 Chase9 Wells Fargo10 First National Bank of Chicago Top 300 U.S. Commercial Banks in Assets In Order of Assets December 31 1987 Compared with December 31 1986, American Banker, 22 March, 1988.

Bank of America Federal Reserve Bulletin Profits and Balance Sheet Developments at U.S. Commercial Banks BHC Federal Reserve Bulletin Report on the Condition of the U.S. Banking Industry Merger Bank & Finance Manual American Banker Consolidated Reports of Condition and Income for A Bank With Domestic and Foreign Offices, Bank of America, N.A. Federal Reserve Bulletin Bank of America JPMorgan Chase BankOneBank of America FleetBoston 18) Citigroup Bank of America JPMorgan Chase Citigroup

Citigroup Bank of America Bank of America, USA Security Pacific Bank of America, NAArizona 19) Bank of America, USA NationsBank Fleet Bank FleetBoston Bank of America, USA MBNA FIA Card Services Bank of America Illinois Continental Bank Bank of America Texas Bank of America, Phoenix FRB Bank of America NW, NA Seafirst BankAmerica 18) National Information Center BHCPR Peer Reports 100 BHC 2003 1 Citigorup 2004 JPMorgan ChaseBank of America 1 Wells Fargo Wachovia 1 19) Bank of America National Information Center Insutitution Search 10-K

BankAkmerica Bank of America Bank of America NT&SA Bank of America, NA Charlotte NC Bank of America, NA USA FIA Card SVC NA Bank of America Illinois Chicago Bank of America Texas NA Irving Bank of America, Phoenix, Ariz. Bank of America NW, NA, Seattle Bank of America OR NA Bank of America Georgia NA Bank of America CA NA Fleet BK RI NA Bank of America RI NA American Banker Federal Reserve Large Commercial Banks American Banker Large Commercial BanksFederal Reserve Statistical Release

Nations Bank of America BankAmerica Nations 20) Bank of America California, NA Community Development Bank BankAmerica Nations Bank of America Corporation Bank One JPMorgan Chase Bank Bank of America 21) 20) Bank of America, Oregon, NA 2000 2013 Bank of America Georgia, NA 2001 2008 Bank of America Rhode Island, NA 2005 2013 21) Merrill Lynch 2012 5 77.9JPMorgan Chase 86.1 Avraham, Dafna, Patricia Selvaggi, and James Vickery, A Structural View of U.S. Bank Holding Companies, FRB NY, Economic Policy Review, July 2012, p.71.

BankAmerica Nations BankAmerica Bank of America BankAmerica 22) Bank of America Nations 22) 1981 104 Citicorp BankAmerica 28 25 Bennett, Robert A., Loans in Latin America May Hurt U.S. Banks, New York Times, Late Edition (East Coast), 2 December, 1982.

BankAmerica/Bank of America Bank of America Corp. NationsBankAmericaBarnett Bank of America, NA Call Report Merger Bank & Finance Manual Consolidated Reports of Condition and Income for A Bank With Domestic and Foreign Offices, Bank of America, N.A.

BankAmerica/Bank of America BoA Corp. BoA Corp. BoA, NA Nations Citigroup JPMorgan Chase Bank of America 23) 24) BankAmerica 23) Citigroup 0.011JPMorgan Chase 0.010 24) BankAmerica Bank of America Corporation Bank of America, NA 0

Nations 25) BankAmerica Bank of America FleetBoston MBNA 25) 1998 2001 1998 17.9 2001 13

BankAmerica/Bank of America BankAmerica Bank of America Bank of America Merger Bank & Finance Manual

BankAmerica Bank of America BankAmerica BankAmerica Bank of America

BankAmerica Bank of America BankAmerica Bank of America BankAmerica FFRP Bank of America

BankAmerica/Bank of America BankAmerica FFRP Bank of America FFRP

FFRP BankAmerica 26) 27) 26) 1997 Citicorp 57Chase 45 JP Morgan 11 27) 1990 851997 79 1994 79

BankAmerica/Bank of America Bank of America FF BankAmerica 28) BankAmerica

28) 1992 1 30 1/4 3 20 Brunner, Allan D. and William B. English, Profits and Balance Sheet Developments at U.S. Commercial Banks in 1992, Federal Reserve Bulletin, July 1993, p.649, p.654. 1993 25 10 23

BankAmerica BankAmerica Nations BankOne 29) BankAmerica JP Morgan Citicorp Chase Bank of America 30) FFRP FFRPCP 29) 1997 Nations 3 BankAmerica 5 BankOne 1997 8 Top 50 U.S. Bank Holding Companies, American Banker, 25 March, 1998. 30) Nations 1976 1977 6553

31) Bank of America CDS CLO 32) 31) 2000 20052006 32) Form 10-K, Bank of America, For 2003, p.32. Global Corporate and Investment Banking CDS CLO

Bank of America 33) 34) Bank of America Citigroup JPMorgan Chase Bank of America 33) 1999 66 1998 60 1997 78 Form 10-K, Bank of America, For 1999, p.56. 2001 200 MBS Form 10-K, Bank of America, For 2001, p.50. Bank of America Form 10-K, Bank of America, For 2006, p.113. 34) 2001 7.58 5.93 1.65 Form 10-K, Bank of America, For 2001, p.47.

BankAmerica Bank of America Bank of America Bank of America, NT&SA BankAmerica Bank of America BankAmerica Bank of America 35) 35) 10-K Form 10-K, Bank of America, For 2001, p.50.

BankAmerica/Bank of America HFS Hled-for-Sale

FleetBoston MBNA 36) BankAmerica 36) Call Held-for-Sale

BankAmerica/Bank of America BankAmerica Bank of America 10-K consumer Bank of America, NA Merger Bank & Finance Manual Form 10-K, Bank of America Corporation Consolidated Reports of Condition and Income for A Bank With Domestic and Foreign Offices, Bank of America, N.A. 37)

Bank of America 37) 19821984 375 321 271 2 568 632 649 2 484 546 584

BankAmerica Bank of America BankAmerica BankAmerica 38) 38) Hector 1984 Hector, 1988274

BankAmerica BankAmerica/Bank of America Bank of America Corporation BankAmerica 39)

Bank of America, NA BankAmerica loans for purchasing or carrying serurities Bank of America Corporation 10-K Bank of America, NA Bank of America FleetBostonMBNA 39) 1995 BankAmerica Coleman U.S. House, hearings before the Committee on Banking and Financial Services, House of Representatives, Financial Services Competitiveness Act of 1995, Glass-Steagall reform, and related issues, Part 4, 104th Cong., 1st sess., p.57.

Bank of America MBNA MBNA Bank of America USA 40) 40) 10-K Form 10-K, Bank of America, For 2004, p.21.

Bank of America ALM 41) Bank of America ALM 42) ALM 41) ALM Form 10-K, Bank of America, For 2006, p.31. 42) 1999 332 300 2000 215 303 2002 600 281 2003 928 550 Form 10-K, Bank of America, For 1999, p.20, 2000, p.26, 2002, p.33, 2003, p.47.

BankAmerica Security Pacific Bank of America BankAmerica MBNA

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BankAmerica Bank of America Corp. Bank of America, NA

43) BankAmerica Security Pacific Merger Bank & Finance Manual Bank of America NationsBank BankAmerica 44) BankAmerica 43) 1987 Charles Schwab 44) 18.2 8.6 BankAmerica Barnett 3.4 1.1 8.4 1.2 3.7

45) Bank of America 46) 47) Bank of America 45) Coleman U.S. House, op. cit., p.68. 46) BA L/C Form 10-K, Bank of America, For 2000, p.26. 47) 2002 Form 10-K, Bank of America, For 2002, p.32. 1998 2003 710

Bank of America 48) Bank of America 49) BankAmerica Bank of America 50) 48) 55 49) Citigroup 2006 69 Smith Barney 29 Primerica 3 JPMorgan Chase 2006 117 50) Form 10-K, Bank of America, For 2005, p.27.

51) 52) MBNA 53) 51) 2004 Form 10-K, Bank of America, For 2004, p.11. 52) 2006 1 SFAS156 Form 10-K, Bank of America, For 2006, p.113. 53) Form 10-K, Bank of America, For 2001, p.47.

Bank of America BankAmerica NationsBank Bank of America Merrill Lynch Citigroup Salomon JPMorgan Chase JP Morgan 54) Bank of America Bank of America 54) JP Morgan 2

CDS CLO ALM Bank of America Bank of America Citigroup JPMorgan Chase Bank of America Merrill Lynch

55) 55) 1990 Hansell RAROC Hansell, Saul, Revenge of the banks, Institutional Investor, January 1990, pp.5255.