CALCULATION OF REGISTRATION FEE

Title of Each Class of Securities Offered:  Debt Securities
Proposed Maximum Aggregate Offering Price:  $29,886,000.00
Amount of Registration Fee (1)(2):  $1174.52
______________
(1) Calculated in accordance with Rule 457(r) of the Securities Act.
(2) Paid herewith.


Filed Under Rule 424(b)(3), Registration Statement No. 333-152418
Pricing Supplement No. 228 - dated Monday, September 15, 2008 (To: Prospectus Dated July 21, 2008)

 

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

06050XD75

 $12,282,000.00

100.000%

1.500%

 $12,097,770.00

FIXED

6.350%
SEMI-ANNUAL

09/15/2018

03/15/2009

$31.22

YES

Subordinated
Unsecured
Notes


Redemption Information: Non-Callable.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, Incapital LLC  Agents:  Charles Schwab & Co.,  Inc., Citi, Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, UBS Investment Bank, Wachovia Securities, WaMu Investments       

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

06050XD83

 $17,604,000.00

100.000%

3.150%

 $17,049,474.00

FIXED

6.900%
SEMI-ANNUAL

09/15/2038

03/15/2009

$33.92

YES

Subordinated
Unsecured
Notes

Redemption Information: Callable at 100.000% on 09/15/2013 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 any time on or after 09/15/2013  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:  Charles Schwab & Co.,  Inc., Citi, Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, UBS Investment Bank, Wachovia Securities, WaMu Investments       

 

Bank of America
 

Offering Dates: Monday, September 08, 2008 through Monday, September 15, 2008
Trade Date: Monday, September 15, 2008 @ 12:00 PM ET
Settlement Date: Thursday, September 18, 2008
Minimum Denomination/Increments: $1,000.00/$1,000.00
Moody's Investor Services Rating: Subordinated: Aa3
S & P Ratings Services Rating: Subordinated: A+
Fitch Inc. 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 that term is defined in the 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 InterNotes
Prospectus dated 21-Jul-08