The exterior of Bank of America bank is seen in Palo Alto, Calif., on Monday, Oct. 18, 2010. Bank of America has lost $7.65 billion during the third quarter due to a one-time charge related to credit and debit card reform legislation passed over the summer. (AP Photo/Paul Sakuma)

Photo by: Paul Sakuma

The exterior of Bank of America bank is seen in Palo Alto, Calif., on Monday, Oct. 18, 2010. Bank of America has lost $7.65 billion during the third quarter due to a one-time charge related to credit and debit card reform legislation passed over the summer. (AP Photo/Paul Sakuma)