Redemption Information: Callable at 100.000% on 12/15/2005 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 12/15/2005 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. Inc., Edward D. Jones & Co, L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, Salomon Smith Barney, 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
06050XJU8	$35,415,000.00	100.000%	3.150%	$34,299,427.50	6.000%	Monthly	12/15/2032	01/15/2003	$4.33	YES	Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 12/15/2007 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 12/15/2007 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. Inc., Edward D. Jones & Co, L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, Salomon Smith Barney, UBS PaineWebber
 

Bank of America Corporation 100 North Tryon Street, NC1-007-06-06 Charlotte, NC 28255		Trade Date: Monday, December 16, 2002 @12:00 PM ET  Settlement Date: Thursday, December 19, 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 InterNotes Prospectus Dated 20-Aug-02