70858--2/26/2010--BANK_OF_AMERICA_CORP

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{loss, insurance, financial}

{regulation, change, law}

{product, market, service}

{personnel, key, retain}

{acquisition, growth, future}

{condition, economic, financial}

{financial, litigation, operation}

{loan, real, estate}

{system, service, information}

{operation, international, foreign}

{capital, credit, financial}

{debt, indebtedness, cash}

{tax, income, asset}

{competitive, industry, competition}

Our businesses and earnings have been, and may continue to be, negatively affected by adverse b could result in higher credit losses and reduced earnings Adverse changes in legislative and regulatory initiatives may significantly impact our earnings, operations, capital position and ability to pursue business opportunities. We could suffer losses as a result of the actions of or deterioration in the commercial s parties, including as a result of derivatives transactions or inaccurate estimates or assumptions in the application of accounting policies could adversely affect our financial results Our ability to attract and retain customers and employees could be adversely affected to the extent our reputation is harmed We face substantial potential legal liability and significant regulatory action, which could have materially adverse financial consequences or cause significant reputational harm to us could be impaired by our inability to access the capital markets on favorable terms Changes in financial or capital market conditions could cause our earnings and the value of our assets to decline Adverse changes in the value of certain of our assets and liabilities could adversely impact our earnings Our ability to successfully identify and manage our compliance and other risks is an important factor that can significantly impact our results. We may be unable to compete successfully as a result of the evolving financial services industry and market conditions. Our inability to successfully integrate, or realize the expected benefits from, our recent acquisitions could adversely affect our results. We may be adversely impacted by business, economic and political conditions in the non-U.S. jurisdictions in which we operate. overnmental fiscal and monetary policy could adversely affect our businesses We may suffer losses as a result of o risk or technical system failures Our inability to adapt our p to evolving industry standards and consumer preferences could harm our businesses Bank of America Corporation is a holding company and as such is dependent upon its subsidiaries for liquidity, including its ability to pay dividends

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70858--2/26/2010--BANK_OF_AMERICA_CORP_/DE/