424B3 1 bofaretail120supp.htm
Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
Pricing Supplement Number 120 Dated Monday, August 30, 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

1^st Coupon Date

1^st
Coupon Amount

Survivor's Option

Product
Ranking

06050XRU9

$14,316,000.00

100.000%

1.500%

$14,101,260.00

Fixed

5.000%

Monthly

09/15/2014

10/15/2004

$5.97

YES

Subordinated Unsecured Notes

Redemption Information: Callable at 100.000% on 09/15/2005 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 09/15/2005 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 1^st Coupon Date 1^st
Coupon Amount Survivor's Option Product
Ranking

06050XRV7 $4,949,000.00 100.000% 2.500% $4,825,275.00 Fixed 5.650%

Semi-Annual

09/15/2024 03/15/2005 $30.29 YES Subordinated Unsecured Notes

Redemption Information: Callable at 100.000% on 09/15/2008 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 09/15/2008 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.

Redemption Information: Callable at 100.000% on 09/15/2009 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 09/15/2009 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, NC1-007-07-06
Charlotte, NC 28255

Trade Date: Monday, August 30, 2004 @12:00 PM ET
Settlement Date: Thursday, September 02, 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 trademark of INCAPITAL, LLC. All rights reserved

Bank of America
$6,000,000,000 Bank of America
InterNotes
Prospectus Dated 15-Apr-04