Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
 Pricing Supplement No. 196 - dated Monday, February 05, 2007 (To: Prospectus Dated October 29, 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

06050XZA4

 [$]

100.000%

1.300%

 [$]

FIXED

5.500%
SEMI-ANNUAL

02/15/2015

08/15/2007

$27.50

YES

Subordinated
Unsecured
Notes


Redemption Information: Callable at 100.000% on 02/15/2009 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 02/15/2009 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 Securities LLC, 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
06050XZB2 [$] 100.000% 3.150% [$] FIXED 6.050%
SEMI-ANNUAL
02/15/2037 08/15/2007 $30.25 YES Subordinated
Unsecured
Notes
Redemption Information: Callable at 100.000% on 02/15/2012 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 02/15/2012 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 Securities LLC, Wachovia Securities, LLC


Bank of America
100 North Tryon Street, NC1-007-07-06
Charlotte NC 28255

Offering Dates:  Monday, February 05, 2007 through Monday, February 12, 2007
Trade Date: Monday, February 12, 2007 @12:00 PM ET
Settlement Date: Thursday, February 15, 2007
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 0235 via RBC Dain Rauscher Inc.

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 a registered trademark of Incapital Holdings LLC. All Rights Reserved.

Bank of America
$6,000,000,000 Bank of America
InterNotes
Prospectus dated 29-Oct-04