|                                                                                | Ratio      ofearnings      tofixed      charges |   | Ratio      ofearnings      tocombinedfixed      chargesand      preferredstock      dividends |
|-------------------------------------------------------------------------------------|-------------------------------------------------|--------|-----------------------------------------------------------------------------------------------|
| (Dollars      in millions)                                                          |                                            |   |                                                                                          |   |   |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
| Earnings(a)                                                                         | $                                               | 7,123  |                                                                                          | $ | 7,123 |   |
| Plus                                                                                |                                            |   |                                                                                          |   |   |   |
| Interest included in      expense(b)                                                |                                            | 19,327 |                                                                                          |   | 19,327 |   |
| One-third of rental expense(c)                                                      |                                            | 270    |                                                                                          |   | 270 |   |
| Adjusted      “earnings”                                                | $                                               | 26,720 |                                                                                          | $ | 26,720 |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
| Fixed      charges                                                                  |                                            |   |                                                                                          |   |   |   |
| Interest included in      expense(b)                                                | $                                               | 19,327 |                                                                                          | $ | 19,327 |   |
| Interest    capitalized                                                             |                                            | 48     |                                                                                          |   | 48 |   |
| One-third of rental expense(c)                                                      |                                            | 270    |                                                                                          |   | 270 |   |
| Total      fixed charges                                                            | $                                               | 19,645 |                                                                                          | $ | 19,645 |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
| Ratio      of earnings to fixed charges                                             |                                            | 1.36   |                                                                                          |   |   |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
| Preferred      stock dividend requirements                                          |                                            |   |                                                                                          | $ | – |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
| Ratio      of earnings before provision for income taxes to earnings    from        |                                            |   |                                                                                          |   |   |   |
| continuing      operations                                                          |                                            |   |                                                                                          |   | 0.96 |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
| Preferred      stock dividend factor on pre-tax basis                               |                                            |   |                                                                                          |   | – |   |
| Fixed      charges                                                                  |                                            |   |                                                                                          |   | 19,645 |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
| Total      fixed charges and preferred stock dividend requirements                  |                                            |   |                                                                                          | $ | 19,645 |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |
| Ratio      of earnings to combined fixed charges and preferred stock      dividends |                                            |   |                                                                                          |   | 1.36 |   |
|                                                                                |                                            |   |                                                                                          |   |   |   |

| (a) | Earnings      before income taxes, minority interest and discontinued      operations. |   |
|-----|----------------------------------------------------------------------------------------|--------|
| (b) | Included      interest on tax deficiencies.                                            |   |
| (c) | Considered      to be representative of interest factor in rental expense.             |   |

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