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Corp.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Montgomery Global Opportunities Fund</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Montgomery Growth Fund</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Fleet Meehan Specialist Inc.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">MBNA Marketing Systems Inc.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Fleet Bank NH</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">MBNA Corp.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Leshner Financial Inc.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Treasury Bank N.A.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Countrywide Credit Industries Inc.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Countrywide Financial Corporation</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Countrywide Financial Corp.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">LaSalle Bank Corp.</bir:company><bir:cou xmlns:bir="http://www.alacra.com/bir">United States</bir:cou><pubDate>26 Nov 2009 06:14:39 EST</pubDate><bir:descr xmlns:bir="http://www.alacra.com/bir">The Bank of America Corporation has its origins in the Bank of Italy, which was founded in San Francisco by Amadeo Giannini in 1904. It merged with the Bank of America, Los Angeles, in early 1929 and took the name Bank of America. In October1998 the compa</bir:descr><bir:exch xmlns:bir="http://www.alacra.com/bir">NYSE</bir:exch><bir:naics xmlns:bir="http://www.alacra.com/bir">522110</bir:naics><bir:revenue xmlns:bir="http://www.alacra.com/bir">M</bir:revenue><bir:sic xmlns:bir="http://www.alacra.com/bir">6021</bir:sic><bir:size xmlns:bir="http://www.alacra.com/bir">I</bir:size><bir:snaics xmlns:bir="http://www.alacra.com/bir">551111</bir:snaics><bir:ssic xmlns:bir="http://www.alacra.com/bir">6712</bir:ssic><bir:ticker xmlns:bir="http://www.alacra.com/bir">BAC</bir:ticker><title>Bank of America Corp.</title><description>The Bank of America Corporation has its origins in the Bank of Italy, which was founded in San Francisco by Amadeo Giannini in 1904. It merged with the Bank of America, Los Angeles, in early 1929 and took the name Bank of America. In October1998 the compa</description><category>Company Profiles &amp; Financials</category><alacra:ip>Gale Company Profiles</alacra:ip></item><item><link>http://www.alacrastore.com/research/fitch-ratings-Fitch_Places_First_Republic_Sub_Debt_on_Negative_Watch_Preferred_on_Positive_Watch-542531_pr_frame</link><fitch:docid xmlns:fitch="http://www.alacra.com/fitch">542531_pr_frame</fitch:docid><guid isPermaLink="false">fitch/542531_pr_frame</guid><fitch:index_mode xmlns:fitch="http://www.alacra.com/fitch">html</fitch:index_mode><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Bank of America Corporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">First Republic Bank</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">First Republic Preferred Capital Corp II</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">First Republic Preferred Capital Corporation</fitch:company><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089031</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089440</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80090049</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">86166900</fitch:companyid><pubDate>24 Nov 2009 07:07:48 EST</pubDate><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010100</fitch:industry><fitch:price xmlns:fitch="http://www.alacra.com/fitch">85</fitch:price><fitch:report xmlns:fitch="http://www.alacra.com/fitch">Press Release</fitch:report><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">BAC</fitch:ticker><title>Fitch Places First Republic Sub Debt on Negative Watch; Preferred on Positive Watch</title><description>Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.</description><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">USA</fitch:index_entry_country_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010100</fitch:index_entry_mkt_sector_code><category>Credit &amp; Investment Research</category><alacra:ip>Fitch Research</alacra:ip></item><item><link>http://www.alacrastore.com/research/fitch-ratings-Correction_Fitch_Places_Bank_of_America_s_Individual_Rating_on_Rating_Watch_Positive-542576_pr_frame</link><fitch:docid xmlns:fitch="http://www.alacra.com/fitch">542576_pr_frame</fitch:docid><guid isPermaLink="false">fitch/542576_pr_frame</guid><fitch:index_mode 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xmlns:fitch="http://www.alacra.com/fitch">01010100</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010200</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010202</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010203</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010500</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010700</fitch:industry><fitch:price xmlns:fitch="http://www.alacra.com/fitch">85</fitch:price><fitch:report xmlns:fitch="http://www.alacra.com/fitch">Press Release</fitch:report><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">BAC</fitch:ticker><title>Correction: Fitch Places Bank of America's Individual Rating on Rating Watch Positive</title><description>Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.</description><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">USA</fitch:index_entry_country_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010100</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010200</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010203</fitch:index_entry_mkt_sector_code><category>Credit &amp; Investment Research</category><alacra:ip>Fitch 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Release</fitch:report><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">BAC</fitch:ticker><title>Fitch Places Bank of America's Individual Rating on Rating Watch Positive</title><description>Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. 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All rights reserved. All the news releases provided by Market Wire are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited.</newstex:CopyrightHolder><newstex:CreditLine xmlns:newstex="http://www.alacra.com/newstex">Wall Street News Alert</newstex:CreditLine><newstex:DateLine xmlns:newstex="http://www.alacra.com/newstex">WESTON, FL</newstex:DateLine><newstex:Provider xmlns:newstex="http://www.alacra.com/newstex">Newstex Inc.</newstex:Provider><newstex:ProviderId xmlns:newstex="http://www.alacra.com/newstex">newstex.com</newstex:ProviderId><newstex:PublicIdentifier xmlns:newstex="http://www.alacra.com/newstex">newstexMW-0001-39853459</newstex:PublicIdentifier><newstex:Publication xmlns:newstex="http://www.alacra.com/newstex">Marketwire</newstex:Publication><newstex:PublicationCode xmlns:newstex="http://www.alacra.com/newstex">0001</newstex:PublicationCode><newstex:Publisher xmlns:newstex="http://www.alacra.com/newstex">Marketwire</newstex:Publisher><newstex:PublisherCode xmlns:newstex="http://www.alacra.com/newstex">MW</newstex:PublisherCode><newstex:RevisionId xmlns:newstex="http://www.alacra.com/newstex">1</newstex:RevisionId><newstex:Source xmlns:newstex="http://www.alacra.com/newstex">Newstex Inc.</newstex:Source><newstex:SourceId xmlns:newstex="http://www.alacra.com/newstex">Marketwire</newstex:SourceId><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">04000000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">04009000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">04016000</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">04016001</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">04016048</newstex:cat><newstex:cat xmlns:newstex="http://www.alacra.com/newstex">04016018</newstex:cat><pubDate>19 Nov 2009 09:19:17 EST</pubDate><newstex:event xmlns:newstex="http://www.alacra.com/newstex">18000000</newstex:event><newstex:event xmlns:newstex="http://www.alacra.com/newstex">18008000</newstex:event><newstex:event xmlns:newstex="http://www.alacra.com/newstex">18004000</newstex:event><newstex:geo xmlns:newstex="http://www.alacra.com/newstex">19000000</newstex:geo><newstex:geo xmlns:newstex="http://www.alacra.com/newstex">19001000</newstex:geo><newstex:geo xmlns:newstex="http://www.alacra.com/newstex">19001032</newstex:geo><newstex:geo xmlns:newstex="http://www.alacra.com/newstex">19002004</newstex:geo><newstex:loaddate xmlns:newstex="http://www.alacra.com/newstex">11/19/2009</newstex:loaddate><title>Wall Street News Alert: Stock on the Move: HearAtLast Holdings - November 19, 2009</title><description> WESTON, FL, Nov. ##, #### (Marketwire delivered by Newstex) -- WESTON, FL -- (Marketwire) -- ##/##/## --  Wall Street News Alert's "stocks to watch" this morning are: HearAtLast Holdings, Inc. 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Capital Funding LLC I</moodys:issuer><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">BAC LB Capital Funding LLC II</moodys:issuer><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">BAC North America Holding Company</moodys:issuer><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">Bank of America Corporation</moodys:issuer><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">Bank of America, N.A.</moodys:issuer><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">FleetBoston Financial Corporation</moodys:issuer><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">MBNA Corporation</moodys:issuer><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">Merrill Lynch &amp; Co., Inc.</moodys:issuer><moodys:issuer_list xmlns:moodys="http://www.alacra.com/moodys">BAC AAH Capital Funding LLC I; BAC AAH Capital Funding LLC II; ...</moodys:issuer_list><moodys:moodys_org_id xmlns:moodys="http://www.alacra.com/moodys">600060977</moodys:moodys_org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">10470</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">406000</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">486000</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">541000</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600011442</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600055142</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600055351</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600059940</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600059941</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600059942</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600059943</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600059944</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600059945</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600059946</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600059947</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600060968</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600060969</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600060972</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600060973</moodys:org_id><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">600060977</moodys:org_id><moodys:price xmlns:moodys="http://www.alacra.com/moodys">150.0000</moodys:price><moodys:printdate xmlns:moodys="http://www.alacra.com/moodys">18 Nov 2009</moodys:printdate><moodys:report_class xmlns:moodys="http://www.alacra.com/moodys">News</moodys:report_class><moodys:report_type xmlns:moodys="http://www.alacra.com/moodys">Rating Action</moodys:report_type><moodys:sector xmlns:moodys="http://www.alacra.com/moodys">C</moodys:sector><title>Moody's upgrades BofA's BFSR and preferred stock, outlook stable</title><description>Global Credit Research Rating Action ## NOV ####   Rating Action: BAC AAH Capital Funding LLC IX Moody's upgrades BofA's BFSR and preferred stock, outlook stable New York, November ##, #### -- Moody's Investors Service upgraded its unsupported...</description><moodys:index_entry_child_id xmlns:moodys="http://www.alacra.com/moodys">10470</moodys:index_entry_child_id><moodys:index_entry_child_id xmlns:moodys="http://www.alacra.com/moodys">107600</moodys:index_entry_child_id><moodys:index_entry_child_id xmlns:moodys="http://www.alacra.com/moodys">107605</moodys:index_entry_child_id><moodys:index_entry_child_id 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Research</category><alacra:ip>Moody's Global Credit Research</alacra:ip></item><item><link>http://www.alacrastore.com/research/creditsights-BofA_Rating_Actions_by_Moody_s_on_New_Methods-91590</link><cs:docid xmlns:cs="http://www.alacra.com/cs">91590</cs:docid><guid isPermaLink="false">cs/91590</guid><cs:index_mode xmlns:cs="http://www.alacra.com/cs">norm</cs:index_mode><cs:DS xmlns:cs="http://www.alacra.com/cs">WWTemplate</cs:DS><cs:analyst xmlns:cs="http://www.alacra.com/cs">klanspa</cs:analyst><cs:company xmlns:cs="http://www.alacra.com/cs">bank_of_america</cs:company><cs:companyFocus xmlns:cs="http://www.alacra.com/cs">bank_of_america</cs:companyFocus><cs:csid xmlns:cs="http://www.alacra.com/cs">91590</cs:csid><pubDate>19 Nov 2009 03:18:32 EST</pubDate><cs:ft xmlns:cs="http://www.alacra.com/cs">Yes</cs:ft><cs:postid xmlns:cs="http://www.alacra.com/cs">91590</cs:postid><cs:price xmlns:cs="http://www.alacra.com/cs">150</cs:price><cs:provider 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The upgrade reflected Moody's expectations on "sustained improvement...</description><category>Credit &amp; Investment Research</category><alacra:ip>CreditSights</alacra:ip></item><item><link>http://www.alacrastore.com/research/fitch-ratings-Fitch_Teleconference_U_S_Bank_Exposure_to_Commercial_Real_Estate_Losses_11_19_11am_ET-537956_pr_frame</link><fitch:docid xmlns:fitch="http://www.alacra.com/fitch">537956_pr_frame</fitch:docid><guid isPermaLink="false">fitch/537956_pr_frame</guid><fitch:index_mode xmlns:fitch="http://www.alacra.com/fitch">html</fitch:index_mode><fitch:company xmlns:fitch="http://www.alacra.com/fitch">AmSouth Bancorporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Bank of America Corporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">BB&amp;T Corporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Capital One Financial Corporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Citigroup Inc.</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Commerce Bank, N.A</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Compass Bancshares, Inc.</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Fifth Third Bancorp</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">JP Morgan &amp; 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Company</fitch:company><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80088923</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80088930</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80088933</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80088977</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089022</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089030</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089031</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089134</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089245</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089338</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089477</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089491</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089622</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80090034</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80090051</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80090322</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80090333</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80090347</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80090855</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80091021</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80092100</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">86538512</fitch:companyid><pubDate>18 Nov 2009 02:47:00 EST</pubDate><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010100</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010201</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">04040000</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">07100400</fitch:industry><fitch:price xmlns:fitch="http://www.alacra.com/fitch">85</fitch:price><fitch:report xmlns:fitch="http://www.alacra.com/fitch">Press Release</fitch:report><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">BAC</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">BBT</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">BK</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">BPOP</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">C</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">COF</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">FITB</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">JPM</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">KEY</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">PNC</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">RF</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">STI</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">STT</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">USB</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">WFC</fitch:ticker><title>Fitch Teleconference: U.S. Bank Exposure to Commercial Real Estate Losses, 11/19, 11am ET</title><description>Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.</description><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">ARG</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">DEU</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">ESP</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">GBR</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">IND</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">MEX</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">RUS</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">USA</fitch:index_entry_country_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010100</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01020000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01030000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01031000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">02020000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03000000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03010000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03010800</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03020000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03030000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">04000000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">04010000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">04020000</fitch:index_entry_mkt_sector_code><category>Credit &amp; Investment Research</category><alacra:ip>Fitch Research</alacra:ip></item><item><link>http://www.alacrastore.com/research/creditsights-Bank_of_America_3Q09_Tearsheet-91391</link><cs:docid xmlns:cs="http://www.alacra.com/cs">91391</cs:docid><guid isPermaLink="false">cs/91391</guid><cs:index_mode xmlns:cs="http://www.alacra.com/cs">norm</cs:index_mode><cs:DS xmlns:cs="http://www.alacra.com/cs">TearsheetTemplate</cs:DS><cs:analyst xmlns:cs="http://www.alacra.com/cs">blancaster</cs:analyst><cs:analyst xmlns:cs="http://www.alacra.com/cs">dhendler</cs:analyst><cs:company xmlns:cs="http://www.alacra.com/cs">bank_of_america</cs:company><cs:companyFocus xmlns:cs="http://www.alacra.com/cs">bank_of_america</cs:companyFocus><cs:csid xmlns:cs="http://www.alacra.com/cs">91391</cs:csid><pubDate>13 Nov 2009 03:09:03 EST</pubDate><cs:ft xmlns:cs="http://www.alacra.com/cs">Yes</cs:ft><cs:postid xmlns:cs="http://www.alacra.com/cs">91391</cs:postid><cs:price xmlns:cs="http://www.alacra.com/cs">150</cs:price><cs:provider xmlns:cs="http://www.alacra.com/cs">CreditSights Inc</cs:provider><cs:region xmlns:cs="http://www.alacra.com/cs">united_states</cs:region><cs:regionMention xmlns:cs="http://www.alacra.com/cs">united_states</cs:regionMention><cs:sector xmlns:cs="http://www.alacra.com/cs">banks</cs:sector><cs:sector xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sector><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">banks</cs:sectorMention><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sectorMention><cs:status xmlns:cs="http://www.alacra.com/cs">Published</cs:status><cs:tag xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tag><cs:tag xmlns:cs="http://www.alacra.com/cs">euro_markets_issuers</cs:tag><cs:tagMention xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tagMention><cs:tagMention xmlns:cs="http://www.alacra.com/cs">euro_markets_issuers</cs:tagMention><title>Bank of America 3Q09 Tearsheet</title><cs:type xmlns:cs="http://www.alacra.com/cs">Tearsheet</cs:type><cs:typew xmlns:cs="http://www.alacra.com/cs">Tearsheet</cs:typew><cs:wcnum xmlns:cs="http://www.alacra.com/cs">915</cs:wcnum><description> Bank of America #Q## Tearsheet Rating trends at BofA (A#/A) are stable and we expect the current ratings are at a floor. The ratings agencies currently incorporate several notches of "uplift" to these ratings based on government support....</description><category>Credit &amp; Investment Research</category><alacra:ip>CreditSights</alacra:ip></item><item><link>http://www.alacrastore.com/research/creditsights-Citigroup_To_Exit_TAGP-91316</link><cs:docid xmlns:cs="http://www.alacra.com/cs">91316</cs:docid><guid isPermaLink="false">cs/91316</guid><cs:index_mode xmlns:cs="http://www.alacra.com/cs">norm</cs:index_mode><cs:DS xmlns:cs="http://www.alacra.com/cs">WWTemplate</cs:DS><cs:company xmlns:cs="http://www.alacra.com/cs">bank_of_america</cs:company><cs:company xmlns:cs="http://www.alacra.com/cs">bank_of_new_york_mellon</cs:company><cs:company xmlns:cs="http://www.alacra.com/cs">citigroup</cs:company><cs:company xmlns:cs="http://www.alacra.com/cs">jpmorgan_chase</cs:company><cs:companyFocus xmlns:cs="http://www.alacra.com/cs">citigroup</cs:companyFocus><cs:companyMention xmlns:cs="http://www.alacra.com/cs">bank_of_america</cs:companyMention><cs:companyMention xmlns:cs="http://www.alacra.com/cs">bank_of_new_york_mellon</cs:companyMention><cs:companyMention xmlns:cs="http://www.alacra.com/cs">jpmorgan_chase</cs:companyMention><cs:csid xmlns:cs="http://www.alacra.com/cs">91316</cs:csid><pubDate>13 Nov 2009 03:10:21 EST</pubDate><cs:ft xmlns:cs="http://www.alacra.com/cs">Yes</cs:ft><cs:postid xmlns:cs="http://www.alacra.com/cs">91316</cs:postid><cs:price xmlns:cs="http://www.alacra.com/cs">150</cs:price><cs:provider xmlns:cs="http://www.alacra.com/cs">CreditSights Inc</cs:provider><cs:region xmlns:cs="http://www.alacra.com/cs">united_states</cs:region><cs:regionMention xmlns:cs="http://www.alacra.com/cs">united_states</cs:regionMention><cs:sector xmlns:cs="http://www.alacra.com/cs">banks</cs:sector><cs:sector xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sector><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">banks</cs:sectorMention><cs:sectorMention xmlns:cs="http://www.alacra.com/cs">financial_services</cs:sectorMention><cs:status xmlns:cs="http://www.alacra.com/cs">Published</cs:status><cs:tag xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tag><cs:tag xmlns:cs="http://www.alacra.com/cs">euro_markets_issuers</cs:tag><cs:tagMention xmlns:cs="http://www.alacra.com/cs">companies_withnvertibles</cs:tagMention><cs:tagMention xmlns:cs="http://www.alacra.com/cs">euro_markets_issuers</cs:tagMention><title>Citigroup: To Exit TAGP</title><cs:type xmlns:cs="http://www.alacra.com/cs">WorthWatching</cs:type><cs:typew xmlns:cs="http://www.alacra.com/cs">Worth Watching</cs:typew><cs:wcnum xmlns:cs="http://www.alacra.com/cs">235</cs:wcnum><description> Citigroup: To Exit TAGP CitigroupÂ (A#/A) plans to opt out of the FDIC Transaction Account Guarantee Program (TAGP), according to Blooomberg. 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Every day the Zacks Equity Research analysts discuss the latest news and events impacting stocks and the financial markets. Stocks...</description><newstex:index_entry_company xmlns:newstex="http://www.alacra.com/newstex">BANK OF AMERICA CORP</newstex:index_entry_company><newstex:index_entry_company xmlns:newstex="http://www.alacra.com/newstex">MERCK &amp; CO INC</newstex:index_entry_company><newstex:index_entry_company xmlns:newstex="http://www.alacra.com/newstex">OSI PHARMACEUTICALS INC</newstex:index_entry_company><newstex:index_entry_company xmlns:newstex="http://www.alacra.com/newstex">PFIZER INC</newstex:index_entry_company><newstex:index_entry_ticker xmlns:newstex="http://www.alacra.com/newstex">BAC</newstex:index_entry_ticker><newstex:index_entry_ticker xmlns:newstex="http://www.alacra.com/newstex">MRK</newstex:index_entry_ticker><newstex:index_entry_ticker xmlns:newstex="http://www.alacra.com/newstex">OSIP</newstex:index_entry_ticker><newstex:index_entry_ticker xmlns:newstex="http://www.alacra.com/newstex">PFE</newstex:index_entry_ticker><category>News</category><alacra:ip>Newstex</alacra:ip></item><item><link>http://www.alacrastore.com/research/fitch-ratings-Credit_Cards_Asset_Quality_Review_3Q09-483346_report_frame</link><fitch:docid xmlns:fitch="http://www.alacra.com/fitch">483346_report_frame</fitch:docid><guid isPermaLink="false">fitch/483346_report_frame</guid><fitch:index_mode xmlns:fitch="http://www.alacra.com/fitch">pdf</fitch:index_mode><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Express Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Bank of America Corporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Capital One Financial Corporation</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Citigroup Inc.</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Discover Financial Services, Inc</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">JPMorgan Chase &amp; Co</fitch:company><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089022</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089031</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089338</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80089622</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80091007</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80417179</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">85575273</fitch:companyid><pubDate>10 Nov 2009 06:56:00 EST</pubDate><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010100</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010201</fitch:industry><fitch:price xmlns:fitch="http://www.alacra.com/fitch">275</fitch:price><fitch:report xmlns:fitch="http://www.alacra.com/fitch">Special Report</fitch:report><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">AXP</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">BAC</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">C</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">COF</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">DFS</fitch:ticker><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">JPM</fitch:ticker><title>Credit Cards: Asset Quality Review 3Q09</title><description>Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.</description><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">ARG</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">DEU</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">ESP</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">GBR</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">IND</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">MEX</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">RUS</fitch:index_entry_country_code><fitch:index_entry_country_code xmlns:fitch="http://www.alacra.com/fitch">USA</fitch:index_entry_country_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010100</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010200</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01010201</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01020000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01030000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">01031000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">02020000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03000000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03010000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03010800</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03020000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">03030000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">04000000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">04010000</fitch:index_entry_mkt_sector_code><fitch:index_entry_mkt_sector_code xmlns:fitch="http://www.alacra.com/fitch">04020000</fitch:index_entry_mkt_sector_code><category>Credit &amp; Investment Research</category><alacra:ip>Fitch Research</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/ccbn/T2519785</link><ccbn:docid xmlns:ccbn="http://www.alacra.com/ccbn">T2519785</ccbn:docid><guid isPermaLink="false">ccbn/T2519785</guid><ccbn:index_mode xmlns:ccbn="http://www.alacra.com/ccbn">norm</ccbn:index_mode><pubDate>10 Nov 2009 10:06:00 EST</pubDate><ccbn:eventid xmlns:ccbn="http://www.alacra.com/ccbn">2519785</ccbn:eventid><ccbn:headline xmlns:ccbn="http://www.alacra.com/ccbn">Final Transcript of BAC presentation, 10-Nov-09 8:00am ET</ccbn:headline><ccbn:name xmlns:ccbn="http://www.alacra.com/ccbn">Bank of America Corporation</ccbn:name><ccbn:price xmlns:ccbn="http://www.alacra.com/ccbn">54.0000</ccbn:price><ccbn:revision xmlns:ccbn="http://www.alacra.com/ccbn">Final</ccbn:revision><ccbn:storetitle xmlns:ccbn="http://www.alacra.com/ccbn">Bank of America Corporation  at Bank of America Merrill Lynch Banking and Financial Services Conference Transcript</ccbn:storetitle><ccbn:ticker xmlns:ccbn="http://www.alacra.com/ccbn">BAC</ccbn:ticker><ccbn:time xmlns:ccbn="http://www.alacra.com/ccbn">8:00am ET</ccbn:time><title>Bank of America Corporation  at Bank of America Merrill Lynch Banking and Financial Services Conference Transcript</title><ccbn:type xmlns:ccbn="http://www.alacra.com/ccbn">Transcript</ccbn:type><description>...Guy Moszkowski - Bank of America/Merrill Lynch - Analyst My name is Guy Moszkowski. I'm the head of the Financial Services team in US Equity Research at Bank of America/Merrill Lynch, and I am pleased to welcome you to our annual Financial Services conference. Clearly it has been quite an extraordinary year since we last convened this forum the same time last year. At that time we were facing massive uncertainty. Just two months after the failure of Lehman Brothers and the same week that the Treasury announced that it was giving up on direct purchases of troubled assets and would instead infuse capital directly in the banks. Well, maybe we don't want to dwell too much on those memories. But I doubt many of us would have thought that just a year later signs of economic stabilization would have driven financial share prices to multiples of where they bottomed earlier this year. The key questions now, of course, include at what point will the economy show enough strength that credit costs...

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