Filed Under Rule 424(b)(3), Registration Statement No. 333-65750
 Pricing Supplement Number 39 Dated Monday, April 22, 2002
(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
06050WAS4 100.000% 1.000% $8,613,000.00 5.000% Monthly 04/15/2007 05/15/2002 $2.78 YES Senior Unsecured
Notes
Aa2 A+

Redemption Information: Non-Callable.
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
 
 
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
06050XFB4 100.000% 1.500% $5,570,175.00 6.000% Semi-annual 04/15/2012 10/15/2002 $28.33 YES Subordinated Unsecured
Notes
Aa3 A

Redemption Information: Non-Callable
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
 
 
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
06050XFC2 100.000% 2.000% $8,079,120.00 6.400% Monthly 04/15/2017 05/15/2002 $3.56 YES Subordinated Unsecured
Notes
Aa3 A

Redemption Information: Callable at 100.000% on 04/15/2005 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 04/15/2005 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
06050XFD0 100.000% 2.500% $6,530,550.00 6.500% Monthly 04/15/2022 05/15/2002 $3.61 YES Subordinated Unsecured
Notes
Aa3 A

Redemption Information: Callable at 100.000% on 04/15/2006 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 04/15/2006 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.
 
 
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
06050XFE8 100.000% 2.500% $29,957,850.00 6.750% Monthly 04/15/2027 05/15/2002 $3.75 YES Subordinated Unsecured
Notes
Aa3 A

Redemption Information: Callable at 100.000% on 04/15/2007 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 04/15/2007 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, April 22, 2002 @12:00 PM ET
Settle Date: Thursday, April 25, 2002 
Minimum Denomination/Increments: 1 Note/1 Note
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