1. May 2007 Global Technology & Operations | Network Computing Group | Global Enterprise Access & Desktop Services | Network Services Document Release Level/Version: v1.0.00 Corporate Information Security Classification: Confidential Telecommunications & e-Interactions The Virtual Enterprise Craig Hinkley SVP, Network Services Global Technology & Operations Bank of America

2. Global Technology & Operations | Network Computing Group | Global Enterprise Access & Desktop Services | Network Services IEEE CQR eCommerce & the Importance of Telecom Corporate Information Security Classification: Confidential Document Release Level/v1.0.00, Page 2 Volumes & Measuring Impact Online Volumes: 17.8MM ATM/POS Transactions per day 14MM POS transactions per day equates to 162 transactions per second 3.8MM ATM Transactions per day equates to 44 transactions per second 6.5MM logins per day for Online Banking, with approximately 26MM actions Enrolments; Image; Payment; Volume trading; Loans; Online trading 26MM OLB actions per day equates to 301 transactions per second 375MM 800-inbound minutes per month 125MM calls ever month How can an organization measure the impact of issues? FCI's – Failed Customer Interactions Big FCIs A core service failure – if a customer cannot perform a financial transaction (access OLB or DotCom, transfer funds, pay bills, etc) Degraded FCIs A degradation in service – cannot perform the account details, stale balances, etc

3. Global Technology & Operations | Network Computing Group | Global Enterprise Access & Desktop Services | Network Services IEEE CQR eCommerce & the Importance of Telecom Corporate Information Security Classification: Confidential Document Release Level/v1.0.00, Page 3 Telecommunications & e-Interactions Current Trends in large enterprises eServices Web-ifying all Customer Services Cross Platform linkage to better service your customer, also enable up sell, cross-sell through a deeper customer relationship view B2B via VPN services Internal Infrastructure Web-ifying all internal associate services MPLS based services for remote office connectivity Associate & Mobile Office VPN Managed Services for delivery of Non-Value-Add technology components Similar approaches being undertaken for both internal & external services Result: Distinction between the real versus the virtual enterprise Defining two infrastructure layers Core transaction engine infrastructure layer Virtual Infrastructure Presence Remainder of infrastructure and services delivered and consumed are a conglomeration of owned, managed services, customer and business partner networks.

4. Global Technology & Operations | Network Computing Group | Global Enterprise Access & Desktop Services | Network Services IEEE CQR eCommerce & the Importance of Telecom Corporate Information Security Classification: Confidential Document Release Level/v1.0.00, Page 4 Core Transaction Engine Infrastructure Critical technology assets and service engines. Services brain of the company Data Centers / Service Centers Where are they and where do they need to be? Disaster Recovery / Business Continuity Cost of utility resources (Power) to feed the machine Compute Resources & Customer Data Mainframe; midrange; middleware; CRM databases. Strategic assets located in strategic High speed network fabric Optimized transaction time Replication and back-up (Sync & Async) Globalization - Network/Telecom Infrastructure always on.

5. Global Technology & Operations | Network Computing Group | Global Enterprise Access & Desktop Services | Network Services IEEE CQR eCommerce & the Importance of Telecom Corporate Information Security Classification: Confidential Document Release Level/v1.0.00, Page 5 Virtual Infrastructure Presence Common threads: MPLS for Remote Offices VPN – for B2B; Associate Access; Virtual Office presence Managed services for non-strategic commodity elements MPLS/VPN/Managed Services combination to connect internal entities & external partners & customers with the Core Transaction Engine Infrastructure. What capabilities & Services do you need to make this happen Distributed authentication. Secured Access / Firewall Core Transaction Services at strategically distributed locations to serve close to the source / common entry point for transaction speed. Seamless integration of different access channels into one consistent fabric Align with SOA and Ciscos SONA architecture

6. May 2007 Global Technology & Operations | Network Computing Group | Global Enterprise Access & Desktop Services | Network Services Document Release Level/Version: v1.0.00 Corporate Information Security Classification: Confidential IEEE CQR eCommerce & the Importance of Telecom What does this all mean?

7. Global Technology & Operations | Network Computing Group | Global Enterprise Access & Desktop Services | Network Services IEEE CQR eCommerce & the Importance of Telecom Corporate Information Security Classification: Confidential Document Release Level/v1.0.00, Page 7 What does this all mean? Presentation 1 - Net Neutrality – Service Provider to Enterprise perspective Net Neutrality – Common Good model will be a net sum gain for all. Autonomous approach – increase peering by high-customer-service-value organizations to provide more consistent user experience Presentation 2 - Financial Services & eCommerce – Goals and Challenges Service ubiquity - Consistent service/transaction model across customer interactions channels Balancing Trust, Risk & operational complexity. De-perimeter-ization - blurring of infrastructure that provides internal versus external services. Presentation 3 – the virtual enterprise Virtualization of the infrastructure – Strategic versus Commodity enabled through ubiquity Globalization & the world markets and the drive for always on.