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<br /> <br />q~ <br />Bank of America VHlgher Standanll <br /> <br />., <br /> <br /> SECTION TWO <br /> EARNINGS CREDIT RATE (ECR) - All Rates Must Be Net Rates <br />MonthlY ear Rate MonthNear Rate MonthlY ear Rate <br />Apr-04 Aug-04 Dec-04 2.0S% <br />May-04 Sep-04 1.47% J an-OS 2.19% <br />Jun-04 Oct -04 1.64% F eb-OS 2.30% <br />Jul-04 Nov-04 1.73% Mar-OS 2.52% <br /> INTEREST BEARING ACCOUNTS - All Rates Must Be Net Rates <br />MonthlY ear Rate MonthN ear Rate MonthlY ear Rate <br />Apr-04 Aug-04 Dec-04 1.74% <br />May-04 Sep-04 1.25% J an-OS 1.86% <br />MonthN ear Rate M onthN ear Rate MonthlY ear Rate <br />Jun-04 Oct -04 1.39% Feb-05 1.96% <br />Ju1-04 Nov-04 1.47% Mar-OS 2.14% <br /> MONEY MARKET ACCOUNTS <br />Month! Rate MonthN ear Rate Month! Rate <br />Year Year <br />J an-04 May-04 Sep-04 Same as <br />Feb-04 Jun-04 Oct-04 Interest <br />Mar-04 Ju1-04 Nov-04 Bearing <br />Apr-04 Aug-04 Dec-04 Accounts <br />S\VEEP AL TERNA TlVE(S) Describe fully in accordance with Section 6.1 (More than one alternative may <br /> be submitted) <br />Month! Rate MonthlY ear Rate Month! Rate <br />Year Year <br />Jan-04 May-04 Sep-04 See Interest <br />Feb-04 Jun-04 Oct -04 Bearing Accts. t <br />Month! Rate M onthN ear Rate Month! Rate <br />Year Year <br /> <br />t <br /> <br />83 <br />