re of Financials Conference | 17 November 2016 Bankof America 2 Merrill Lynch HOUSE_OVERSIGHT_014330 --- PAGE BREAK --- Chart 27: Where do you see Citicorp’s efficiency ratio settling in 2017? 80% 70% 60% 50% 40% 30% 20% 10% 0% Below the 58% reported YTD in In-line with the 58% reported Above the 58%

n San Francisco. Mr. Biller joined Bank of America in 1985 as the Senior Vice President of International Consumer Markets. Prior to that, he was with Citicorp for 12 years, where he was a Regional Business Manager, U.K. Region; and Vice President and Business Manager, Italy. Mr. Biller serves on the Board o

hard worked for J.P. Morgan's Investment Banking division in New York in the emerging markets securities business. He previously spent six years with Citicorp, first as a banker in Mexico and then in the firm's international corporate finance division in New York. Richard's commentaries have appeared in the