Bank of America

Investor Relations

Bank of America Announces Fourth Quarter and 2002 Year-End Earnings Conference Call

CHARLOTTE, N.C., Jan. 8 /PRNewswire-FirstCall/ -- Bank of America Corporation (NYSE: BAC) today announced that James H. Hance, Jr., vice chairman and chief financial officer, is scheduled to present financial results for the fourth quarter and year-end 2002 on Wednesday, January 15, 2003 at 9:30 a.m.

A live webcast of the presentation will be available at www.bankofamerica.com/investor.

One of the world's leading financial services companies, Bank of America is committed to making banking work for customers and clients like it never has before. Through innovative technologies and the ingenuity of its people, Bank of America provides individuals, small businesses and commercial, corporate and institutional clients across the United States and around the world new and better ways to manage their financial lives. The company enables customers to do their banking and investing whenever, wherever and however they choose through the nation's largest financial services network, including approximately 4,400 domestic offices and 13,000 ATMs, as well as 30 international offices serving clients in more than 150 countries, and an Internet Web site that provides online banking access for more than 3.8 million active users, more than any other bank.

Bank of America stock (ticker: BAC) is listed on the New York, Pacific and London stock exchanges. The company's Web site is www.bankofamerica.com. News, speeches and other corporate information may be found at www.bankofamerica.com/newsroom. SOURCE Bank of America Corporation

01/08/2003

CONTACT: Eloise Hale of Bank of America, +1-704-387-0013, or eloise.hale@bankofamerica.com/

Audio: http://www.bankofamerica.com/investor /

Bank of America

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The financial and other information that may be accessed on this Investor Relations web site speaks only as of the particular dates referenced in the information or the dates the information was originally issued. This information may have since become superseded as a result of later circumstances or events. Bank of America does not undertake any obligation, and disclaims any duty, to update this information. In addition, this information may contain forward-looking statements that are subject to various risks and uncertainties that could cause actual outcomes or results to differ materially from those expressed in or implied by any forward-looking statement. The risks and uncertainties that could affect the company's actual outcomes or results are discussed more fully in our most recent Annual Report on Form 10-K, as well as any updated risks and uncertainties contained in subsequent reports filed with the Securities and Exchange Commission.