BANK OF AMERICA

Investor Relations

Bank of America Announces Third Quarter Earnings Conference Call

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CHARLOTTE, N.C., Sept. 14 /PRNewswire/ -- Bank of America Corporation today announced that the company is scheduled to present financial results for the third quarter on Thursday, October 14, 2004 at 9:30 a.m.

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

Bank of America is one of the world's largest financial institutions, serving individual consumers, small businesses and large corporations with a full range of banking, investing, asset management and other financial and risk-management products and services. The company provides unmatched convenience in the United States, serving 33 million consumer relationships with 5,800 retail banking offices, more than 16,000 ATMs and award-winning online banking with more than eleven million active users. Bank of America is the No. 1 Small Business Administration Lender in the United States by the SBA. The company serves clients in 150 countries and has relationships with 96 percent of the U.S. Fortune 500 companies and 82 percent of the Global Fortune 500. Bank of America Corporation stock (ticker: BAC) is listed on the New York Stock Exchange.

SOURCE Bank of America
09/14/2004

CONTACT: Investors may contact: Kevin Stitt, +1-704-386-5667, Lee McEntire, +1-704-388-6780, Leyla Pakzad, +1-704-386-2024, or Media may contact: Eloise Hale, +1-704-387-0013, all of Bank of America
Web site: http://www.bankofamerica.com
http://www.bankofamerica.com/investor