Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
Pricing Supplement Number 105 Dated Monday, April 26, 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

06050XPX5

$5,656,000.00

100.000%

1.500%

$5,571,160.00

Fixed

5.050%

Semi-annual

04/15/2014

10/15/2004

$23.29

YES

Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 04/15/2005 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 04/15/2005 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

06050XPY3

$4,697,000.00

100.000%

2.000%

$4,603,060.00

Fixed

5.500%

Quarterly

04/15/2019

07/15/2004

$11.61

YES

Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 04/15/2007 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 04/15/2007 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

06050XPZ0

$7,907,000.00

100.000%

2.500%

$7,709,325.00

Fixed

5.800%

Semi-Annual

04/15/2029

10/15/2004

$26.74

YES

Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 04/15/2009 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 04/15/2009 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, April 26, 2004 @12:00 PM ET 
Settlement Date: Thursday, April 29, 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