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The Federal Reserve Board announced on February 9, 2005, the execution of a written agreement by and between Bank of America Corporation, Charlotte, North Carolina, a bank holding company, and the Federal Reserve Bank of Richmond. For three years, the bank's ailing finances have had the attention of the Federal Reserve Bank of Richmond and the Virginia State Corporation Commission's Bureau of Financial Institutions. David Humphrey, a Florida State University finance professor who studied ATMs for the Federal Reserve Bank of Richmond in 1994, estimates that after servicing costs, the banking industry's profit margins are about 9 percent for ATMs. |
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