Filed Under Rule 424(b)(3), Registration Statement Nos. 333-65750 and 333-47222
 Pricing Supplement Number 28 Dated Monday, December 03, 2001
(To: Prospectus Dated August 22, 2001)
 
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
06050XDN0 100.000% 2.000% $27,677,160.00 6.450% Semi-annual 12/15/2016 06/15/2002 $33.86 YES Subordinated Unsecured
Notes
Aa3 A

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