BANK OF AMERICA

Investor Relations

Bank of America Announces Second Quarter Earnings Conference Call

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CHARLOTTE, N.C., July 7 /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 second quarter on Monday, July 14, 2003 at 9:30 a.m. ET.

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.

Shares of Bank of America (ticker: BAC), the second largest banking company in the United States by market capitalization, are 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
-0- 07/07/2003

/CONTACT: Eloise Hale of Bank of America Corporation, +1-704-387-0013, or eloise.hale@bankofamerica.com/
/Audio: http://www.bankofamerica.com/investor /
/Web site: http://www.bankofamerica.com/newsroom /
/Web site: http://www.bankofamerica.com /
(BAC)