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	Aggregate Principal Amount	Price to Public	Gross Concession	Net  Proceeds	Coupon Rate	Coupon Frequency	Maturity Date	1st Coupon Date	1stCoupon Amount	Survivor's Option	Product  Ranking
06050XHZ9	$2,585,000.00	100.000%	2.000%	$2,533,300.00	5.600%	Semi-annual	11/15/2017	05/15/2003	$29.24	YES	Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 11/15/2005 and every coupon date thereafter.
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 11/15/2005 and on any interest payment date thereafter 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.
 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	Aggregate Principal Amount	Price to Public	Gross Concession	Net Proceeds	Coupon Rate	Coupon Frequency	Maturity Date	1st Coupon Date	1st Coupon Amount	Survivor's Option	Product  Ranking
06050XJA2	$900,000.00	100.000%	2.500%	$877,500.00	5.750%	Semi-Annual	11/15/2022	05/15/2003	$30.03	YES	Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 11/15/2006 and every coupon date thereafter.
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 11/15/2006 and on any interest payment date thereafter 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.
 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	Aggregate Principal Amount	Price to Public	Gross Concession	Net Proceeds	Coupon Rate	Coupon Frequency	Maturity Date	1st Coupon Date	1st Coupon Amount	Survivor's Option	Product  Ranking
06050XJB0	$24,632,000.00	100.000%	2.500%	$24,016,200.00	6.300%	Semi-Annual	11/15/2027	05/15/2003	$32.90	YES	Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 11/15/2007 and every coupon date thereafter.
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 11/15/2007 and on any interest payment date thereafter 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
 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
 

Bank of America Corporation 100 North Tryon Street Charlotte, NC 28255		Trade Date: Monday, November 04, 2002 @12:00 PM ET  Settlement Date: Thursday, November 07, 2002  Minimum Denomination/Increments: $1,000.00/$1,000.00  Moody's Investor Services Rating: Subordinated: Aa3 S&P Ratings Services Rating: Subordinated: A Initial 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(®) is the trade mark of Incapital LLC. All rights reserved		Bank of America $6,000,000,000 Bank of America Corporation InterNotes Prospectus Dated 20-Aug-02