BANK OF AMERICA

Investor Relations

Bank of America Declares Quarterly Dividend

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CHARLOTTE, N.C., Jul 24, 2002 /PRNewswire via COMTEX/ -- The Bank of America Board of Directors today declared a regular quarterly dividend on common stock of $.60 per share, payable on September 27, 2002, to shareholders of record September 6, 2002.

The board also declared a $1.75 regular cash dividend on the 7 percent Cumulative Redeemable Preferred Stock, Series B. The dividend is payable October 25, 2002, to shareholders of record on October 11, 2002.

One of the world's leading financial services companies, Bank of America (NYSE: BAC) 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 38 international offices serving clients in 190 countries, and an Internet Web site that provides online access for more than 3 million active users, more than any other bank.

Bank of America stock 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

CONTACT: Investors, Kevin Stitt, +1-704-386-5667, or Lee McEntire, +1-704-388-6780, or media, Eloise Hale, +1-704-387-0013, all of Bank of America Corporation

URL: http://www.bankofamerica.com/newsroom

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