|                                                               | Year      ended December 31 |
|--------------------------------------------------------------------|-----------------------------|
| (Dollars      in millions)                                         | 2009                   |   | 2008  |   | 2007  |   | 2006  |   | 2005 |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Earnings      (loss)(a)                                            | $                           | (2,618) |   | $ | 5,630  |   | $ | 13,987  |   | $ | 11,849  |   | $ | 10,282  |
| Plus:                                                              |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Interest      included in expense(b)             |                        | 17,943  |   |   | 25,202  |   |   | 23,046  |   |   | 18,065  |   |   | 14,117  |
|    One-third      of rental expense(c)              |                        | 272  |   |   | 173  |   |   | 338  |   |   | 307  |   |   | 301  |
| Adjusted      “earnings”(d)                            | $                           | 15,597  |   | $ | 31,005  |   | $ | 37,371  |   | $ | 30,221  |   | $ | 24,700  |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fixed      Charges:                                                |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Interest      included in expense(b)                   | $                           | 17,943  |   | $ | 25,202  |   | $ | 23,046  |   | $ | 18,065  |   | $ | 14,117  |
|   Interest      capitalized                              |                        | 39  |   |   | 65  |   |   | 80  |   |   | 77  |   |   | 72  |
|   One-third      of rental expense(c)                    |                        | 272  |   |   | 173  |   |   | 338  |   |   | 307  |   |   | 301  |
| Total      fixed charges                                           | $                           | 18,254  |   | $ | 25,440  |   | $ | 23,464  |   | $ | 18,449  |   | $ | 14,490  |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio      of earnings to fixed charges                            |                        | 0.85  |   |   | 1.22  |   |   | 1.59  |   |   | 1.64  |   |   | 1.70  |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Preferred      stock dividend requirements                         | $                           | 1  |   | $ | 1  |   | $ | 1  |   | $ | 1  |   | $ | 1  |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio      of earnings before provision for                        |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     income      taxes to earnings from         |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       continuing      operations     |                        |  (1.36) |   |   |  0.70  |   |   | 1.11  |   |   | 1.13  |   |   | 1.13  |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Preferred      stock dividend factor on                            |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     pre-tax      basis                         |                        | (1) |   |   | 1  |   |   | 1  |   |   | 1  |   |   | 1  |
| Fixed      charges                                                 |                        | 18,254  |   |   | 25,440  |   |   | 23,464  |   |   | 18,449  |   |   | 14,490  |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total      fixed charges and preferred                             |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     stock      dividend requirements           | $                           | 18,253  |   | $ | 25,441  |   | $ | 23,465  |   | $ | 18,450  |   | $ | 14,491  |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio      of earnings to combined fixed                           |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     charges      and preferred stock dividends |                        | 0.85  |   |   | 1.22  |   |   | 1.59  |   |   | 1.64  |   |   | 1.70  |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                               |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |

| (a)   | Earnings      (loss) before income taxes, noncontrolling interests, discontinued      operations and undistributed earnings of equity  investees. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | Included      interest on tax deficiencies. |
|-----------------|---------------------------------------------|

| (c)   | Considered      to be representative of interest factor in rental  expense. |
|-----------------|-----------------------------------------------------------------------------|

| (d)   | In      accordance with Item 503 of SEC Regulation S-K, we are required to      disclose the amount of earnings needed to achieve a one-to-one ratio of      earnings to fixed charges. As of December 31, 2009, this amount was $2,657      million. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|