BANK OF AMERICA

Investor Relations

Bank of America Announces Fourth Quarter Earnings Conference Call

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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 /