Filed Under Rule 424(b)(3), Registration Statement No. 333-65750
 Pricing Supplement Number 49 Dated Monday, July 22, 2002
(To: Prospectus Dated August 22, 2001)

 

CUSIP 
Number

Selling
Price
(% of Par)

 Gross Concession

Net 
Proceeds

Coupon
Rate

Coupon
Frequency

Maturity Date

1stCoupon Date

1stCoupon
Amount

Survivor’s
Option

Product
Ranking

Moody’s
Rating

S & P
Rating

06050XGT4

100.000%

1.500%

$8,090,790.00

5.600%

Semi-Annual

07/15/2012

01/15/2003

$26.44

YES

Subordinated
Unsecured
Notes

Aa3

A

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

Selling
Price
(% of Par)

Gross
Concession

Net
Proceeds

Coupon
Rate

Coupon
Frequency

Maturity Date

1stCoupon Date

1stCoupon
Amount

Survivor’s
Option

Product
Ranking

Moody’s
Rating

S & P
Rating

06050XGU1

100.000%

2.000%

$17,133,340.00

6.150%

Semi-annual

07/15/2017

01/15/2003

$29.04

YES

Subordinated
Unsecured
Notes

Aa3

A

Redemption Information: Callable at 100.000% on 07/15/2005 and every coupon date thereafter

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

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 07/15/2005 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.

 

CUSIP 
Number

Selling
Price
(% of Par)

Gross
Concession

Net
Proceeds

Coupon
Rate

Coupon
Frequency

Maturity Date

1stCoupon Date

1stCoupon
Amount

Survivor’s
Option

Product
Ranking

Moody’s
Rating

S & P
Rating

06050XGV9

100.000%

2.500%

$6,703,125.00

6.250%

Semi-annual

07/15/2022

01/15/2003

$29.51

YES

Subordinated
Unsecured
Notes

Aa3

A

Redemption Information: Callable at 100.000% on 07/15/2006 and every coupon date thereafter

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

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 07/15/2006 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.

 

CUSIP 
Number

Selling
Price
(% of Par)

Gross
Concession

Net
Proceeds

Coupon
Rate

Coupon
Frequency

Maturity Date

1stCoupon Date

1stCoupon
Amount

Survivor’s
Option

Product
Ranking

Moody’s
Rating

S & P
Rating

06050XGW7

100.000%

2.500%

$37,204,050.00

6.650%

Semi-annual

07/15/2027

01/15/2003

$31.40

YES

Subordinated
Unsecured
Notes

Aa3

A

Redemption Information: Callable at 100.000% on 07/15/2007 and every coupon date thereafter

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

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 07/15/2007 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.

 


Bank of America Corporation
100 North Tryon Street
Charlotte, NC 28255

Trade Date: Monday, July 22, 2002 @12:00 PM ET
Settle Date: Thursday, July 25, 2002 
Minimum Denomination/Increments: $1,000.00/$1,000.00
All 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 trademark of Incapital LLC. All rights reserved.

Bank of America
$5,000,000,000 Bank of America Corporation InterNotes
Prospectus Dated 22-Aug-01