global business & financial services gene taylor vice chairman president corporate investment banking 2 forward looking statements this presentation contains including about the conditions results of operations and earnings outlook bank america corporation involve certain risks uncertainties factors that may cause actual or to differ materially from such include among others following 1 projected increases process changes other investments are lower than expected competitive pressure companies significantly 3 general economic less favorable 4 political threat future terrorist activity related actions by united states abroad adversely affect company s businesses as a whole 5 in interest rate environment reduce margins impact funding sources 6 foreign exchange rates exposure 7 market prices value products 8 legislation regulatory environments requirements which is engaged 9 litigation liabilities costs expenses settlements judgments
