BANK OF AMERICA

Investor Relations

Bank of America Announces Fourth Quarter Earnings Conference Call

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CHARLOTTE, N.C., Dec. 23 /PRNewswire/ -- Bank of America Corporation today announced that the company is scheduled to present financial results for the fourth quarter of 2004 on Tuesday, January 18, 2005 at 9:30 a.m. At that time, Ken Lewis, president and chief executive officer, will present the company's outlook for 2005. Marc Oken, chief financial officer, will discuss fourth quarter and full year 2004 financial results.

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

Bank of America

Bank of America is one of the world's largest financial institutions, serving individual consumers, small and middle market 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 more than 5,800 retail banking offices, more than 16,500 ATMs and award-winning online banking with more than eleven million active users. Bank of America is the No. 1 overall Small Business Administration (SBA) lender in the United States and the No. 1 SBA lender to minority-owned small businesses. The company serves clients in 150 countries and has relationships with 98 percent of the U.S. Fortune 500 companies and 85 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 Corporation
12/23/2004

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