Richard K Struthers

Richard K. Struthers, 53, President, Bank of America Global Card Services. Mr. Struthers was named to his present position in January 2009. From May 2008 to January 2009, he served as Consumer Credit Risk Executive; from June 2007 to May 2008, he served as North America Card Services Executive; from December 2006 to June 2007, he served as Credit and Operations Executive, and from January 2006 to December 2006, he served as Card Operations Executive. Prior to Bank of America acquiring MBNA in January 2006, he was Executive Vice Chairman of MBNA Bank, N.A. from January 2002 to January 2006. He first became an officer of the Corporation in 2006. He currently serves as a director of Bank of America, N.A., FIA Card Services, N.A., and Countrywide Bank, FSB.

A publicly-traded company is only required to disclose information concerning the amount and type of compensation paid to its CEO, CFO, and the three other most highly compensated executive officers in a given year. Information about compensation for these individuals may be unavailable in prior years if they were not in their current roles or did not qualify as among the most highly compensated officers at the time.

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Bank of America Corporation, through its banking and various non-banking subsidiaries throughout the United States and in selected international markets provides a diversified range of banking and non-banking financial services and products through five business segments: Deposits, Card Services, Consumer Real Estate Services, Global Commercial Banking, Global Banking & Markets, Global Wealth & Investment Management. Deposits includes a comprehensive range of products provided to consumers and small businesses, including traditional savings accounts, money market savings accounts, CDs and IRAs, and noninterest- and interest bearing checking accounts. Card Services provides a broad offering of products including co-branded and affinity products. Consumer Real Estate Services provides an extensive line of consumer real estate products and services including fixed and adjustable rate first-lien mortgage loans for home purchase and refinancing needs, home equity lines of credit and home equity loans to customers nationwide. Global Commercial Banking provides a wide range of lending-related products and services, integrated working capital management and treasury solutions to clients through its network of offices and client relationship teams along with various product partners. Global Banking & Markets provides financial products, advisory services, financing, securities clearing, settlement and custody services globally to its institutional investor clients in support of their investing and trading activities. Global Wealth & Investment Management provides comprehensive wealth management capabilities to a broad base of clients from the emerging affluent to the ultra high net worth. These services include investment and brokerage services, estate and financial planning, fiduciary portfolio management, cash and liability management and specialty asset management.

Richard K. Struthers, 53, President, Bank of America Global Card Services. Mr. Struthers was named to his present position in January 2009. From May 2008 to January 2009, he served as Consumer Credit Risk Executive; from June 2007 to May 2008, he served as North America Card Services Executive; from December 2006 to June 2007, he served as Credit and Operations Executive, and from January 2006 to December 2006, he served as Card Operations Executive. Prior to Bank of America acquiring MBNA in January 2006, he was Executive Vice Chairman of MBNA Bank, N.A. from January 2002 to January 2006. He first became an officer of the Corporation in 2006. He currently serves as a director of Bank of America, N.A., FIA Card Services, N.A., and Countrywide Bank, FSB.