Bank of America

Investor Relations

Bank of America Announces Fourth Quarter Earnings Conference Call

CHARLOTTE, N.C., Jan. 8 /PRNewswire/ -- Bank of America Corporation today announced that James H. Hance, Jr., vice chairman and chief financial officer, is scheduled to present financial results for the fourth quarter on Thursday, January 15, 2004 at 9:30 a.m.

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

Bank of America is one of the world's largest financial institutions, serving individual consumers, small businesses and large corporations and institutions with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides unmatched convenience for consumers in the United States, serving 1 in 3 American households with 4,200 banking centers, more than 13,100 ATMs and an award-winning internet site with more than seven million active online users. Bank of America is rated the number one Small Business Administration Lender in the United States by the SBA. The company has clients in 150 countries and relationships with 94 percent of the U.S. Fortune 500 companies and 76 percent of the Global Fortune 500. The seventh most profitable company in the United States, Bank of America had $737 billion in assets, $411 billion in deposits and a market capitalization of $116.2 billion at September 30, 2003. Bank of America Corporation stock (ticker: BAC) is listed on the New York Stock Exchange. For more information, please go to www.bankofamerica.com .

SOURCE Bank of America Corporation
-0- 01/08/2004

/CONTACT: Investors, Kevin Stitt, +1-704-386-5667, or Lee McEntire, +1-704-388-6780, or Media, Eloise Hale, +1-704-387-0013, or eloise.hale@bankofamerica.com, all of Bank of America/
/Web site: http://www.bankofamerica.com
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 This information may have since become superseded as a result of later circumstances or events.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.