Redemption Information: Callable at 100.000% on 12/15/2004 and every coupon date thereafter.

Joint Lead Managers and Lead Agents:  Banc of America Securities LLC and Incapital LLC.  Agents:  A.G. Edwards & Sons, Inc., Charles Schwab & Co., Edward D. Jones & Co, L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, Salomon Smith Barney Inc., UBS PaineWebber

The Bank of America InterNotes will be subject to redemption at the option of Bank of America, in whole on the Interest Payment Date occurring any time on or after 12/15/2004 at a redemption price equal to 100% of the principal amount of the Bank of America InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the Noteholder and the Trustee, as described in the Prospectus.
 
 

CUSIP  Number

Selling Price (% of Par)

Gross Concession

Net  Proceeds

Coupon Rate

Coupon Frequency

Maturity Date

1st Coupon Date

1st Coupon Amount

Survivor's Option

Product Ranking

Moody's Rating

S & P Rating

06050XDP5

100.000%

2.500%

$39,510,900.00

6.700%

Semi-annual

12/15/2026

06/15/2002

$35.17

YES

Subordinated Unsecured Notes

Aa3

A

Redemption Information: Callable at 100.000% on 12/15/2006 and every coupon date thereafter.

Joint Lead Managers and Lead Agents:  Banc of America Securities LLC and Incapital LLC.  Agents:  A.G. Edwards & Sons, Inc., Charles Schwab & Co., Edward D. Jones & Co, L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, Salomon Smith Barney Inc., UBS PaineWebber

The Bank of America InterNotes will be subject to redemption at the option of Bank of America, in whole on the Interest Payment Date occurring any time on or after 12/15/2006 at a redemption price equal to 100% of the principal amount of the Bank of America InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the Noteholder and the Trustee, as described in the Prospectus.
 

Bank of America Corporation 100 North Tryon Street Charlotte, NC 28255

Trade Date: Monday, December 03, 2001 @12:00 PM ET Settle Date: Thursday, December 06, 2001  Minimum Denomination/Increments: $1,000.00/$1,000.00 All trades settle flat and clear SDFS: DTC Book Entry only DTC number: 0262 via BNY Clearing Services, LLC If the maturity date or an interest payment date for any note is not a Business Day (as term is defined in Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from, and after, the maturity date or interest payment date. InterNotes(sm) is the service mark of Incapital LLC. All rights reserved

Bank of America $5,000,000,000 Bank of America Corporation InterNotes Prospectus Dated 22-Aug-01