About Finger Interests, Ltd.

Finger Interests, Ltd. is a long-term shareholder of Bank of America common stock. As of the record date for this year’s proxy statement (March 4, 2009), we currently own approximately 1.1 million shares. We acquired our shares when we sold our family controlled bank, Charter Bancshares, Inc. to what was then NationsBank in 1996. NationsBank subsequently merged with Bank of America, and took the name Bank of America, although the management team from NationsBank became the group controlling the combined bank.

Our operations include investments in equity securities, fixed income securities, private equity and real estate. We seek to enter into transactions where we can add both expertise and capital.

Finger Interests, Ltd. is an investment management firm located in Houston. The firm invests its own capital and the capital of select investment partners into situations and transactions to where it may add both capital and expertise. Areas of investment include marketable securities, real estate, private equity and venture capital. Jerry and Jonathan Finger are the firm’s Managing Partners, and have more than 50 years of combined operating experience in commercial banking, real estate finance and development, investment banking, fiduciary and investment management and principal investing.

Partner Biographies

Jerry E. Finger is the Managing Partner of Finger Interests, Ltd. and has more than 35 years of business experience in commercial banking, real estate finance and development and principal investing. For the majority of his career, he was Founder, Chairman and Chief Executive of Charter Bancshares, Inc. (“Charter”), a commercial bank which he founded in Houston, Texas in 1963. Charter was engaged in commercial, consumer and real estate lending in the Greater Houston area, and was the largest locally controlled bank to survive Houston’s downturn in the mid-1980s. Through growth and acquisitions, Charter grew to nearly $1 billion in total assets before merging with NationsBank in 1996. From 1996 to 2003, Mr. Finger served as Vice Chairman of NationsBank/Bank of America – Texas. In addition to his career in commercial banking, Mr. Finger has been a significant developer, financier and owner of commercial real estate in the Gulf Coast region. He is currently an Adjunct Professor at the Jones Graduate School of Business at Rice University in the subjects of Real Estate and Entrepreneurship, and has served in such capacity since 1998.
He has served on a number of public company boards and currently serves on the Board of Directors of the Financial Institutions Center at the Wharton School, the Foundation for the National Archives and as a Director or Chairman of numerous other civic, philanthropic and educational organizations. He served in the U.S. Navy from 1954 to 1956, and is a graduate of the Wharton School at the University of Pennsylvania.

Jonathan S. Finger is a Partner of Finger Interests, Ltd. and has almost 20 years of business experience in commercial banking, investment banking, fiduciary and investment management services, insurance and principal investing. The majority of his career has been in investment management and fiduciary services both on behalf of clients and affiliated entities. He also serves as President of Poseidon Capital Management, Inc., a registered investment advisor established in 1997. Prior to establishing Poseidon Capital in 1997, Mr. Finger was Senior Vice President of Investment Management and Trust Services at Charter National Bank from 1990 to 1997. During his tenure, total assets of the investment management and trust area grew from $30 million in 1991 to $300 million in 1997. In addition, Mr. Finger was responsible for International Banking, Retail Brokerage Services and Investor Relations at Charter during that period. Prior to joining Charter, Mr. Finger worked at Drexel Burnham Lambert in New York as an investment banking analyst in the Financial Institutions Group, and later as an associate in the Merger and Acquisitions Department. Prior to Drexel, he worked at Lehman Brothers in the Equity Research Department. He is a graduate of the University of Virginia and received his M.B.A. from the Wharton School at the University of Pennsylvania.