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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)

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