Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
Pricing Supplement Number 109 Dated Monday, May 24, 2004
(To: Prospectus Dated April 15, 2004)
 
CUSIP
Number
Aggregate Principal Amount
Price to Public
Gross
Concession
Net 
Proceeds
Coupon Type
Coupon Rate
Coupon Frequency
Maturity Date
1st Coupon Date
1st
Coupon Amount
Survivor's Option
Product 
Ranking
06050XQK2 $1,817,000.00 100.000% 1.500% $1,789,745.00 Fixed 5.350% 
Semi-Annual
05/15/2014 11/15/2004 $24.97 YES Subordinated Unsecured Notes

Redemption Information: Non-Callable.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC  Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Citigroup Global Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, UBS Financial Services Inc., Wachovia Securities, LLC
 
CUSIP
Number
Aggregate Principal Amount
Price to Public
Gross
Concession
Net 
Proceeds
Coupon Type
Coupon Rate
Coupon Frequency
Maturity Date
1st Coupon Date
1st
Coupon Amount
Survivor's Option
Product 
Ranking
06050XQL0 $4,853,000.00 100.000% 1.500% $4,780,205.00 Fixed 5.500%
Semi-Annual
05/15/2014 11/15/2004 $25.67 YES Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 05/15/2005 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 05/15/2005 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, INCAPITAL, LLC  Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc.,
Citigroup Global Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, UBS Financial Services Inc., Wachovia Securities, LLC
 
CUSIP
Number
Aggregate Principal Amount
Price to Public
Gross
Concession
Net 
Proceeds
Coupon Type
Coupon Rate
Coupon Frequency
Maturity Date
1st Coupon Date
1st
Coupon Amount
Survivor's Option
Product 
Ranking
06050XQM8 $5,444,000.00 100.000% 2.000% $5,335,120.00 Fixed 5.900%
Quarterly
05/15/2019 08/15/2004 $12.78 YES Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 05/15/2007 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 05/15/2007 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, INCAPITAL, LLC  Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Citigroup Global Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, UBS Financial Services Inc., Wachovia Securities, LLC
 
 
CUSIP
Number
Aggregate Principal Amount
Price to Public
Gross
Concession
Net 
Proceeds
Coupon Type
Coupon Rate
Coupon Frequency
Maturity Date
1st Coupon Date
1st
Coupon Amount
Survivor's Option
Product 
Ranking
06050XQN6 $9,194,000.00 100.000% 2.500% $8,964,150.00 Fixed 6.000%
Quarterly
05/15/2029 08/15/2004 $13.00 YES Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 05/15/2009 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 05/15/2009 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, INCAPITAL, LLC  Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Citigroup Global Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, UBS Financial Services Inc., Wachovia Securities, LLC
 

100 North Tryon Street, NC1-007-06-06
Charlotte, NC 28255
 

Trade Date: Monday, May 24, 2004 @12:00 PM ET 
Settlement Date: Thursday, May 27, 2004 
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: 0443 via Pershing, 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 15-Apr-04