Bank of America Form 11-K

-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, L6xzAOBU2XOEPxSsctPBnID8R3ZiUoBpM9hg4VzxfzDqkKA5L2jaEriANphDew69 u6wtPs3p3dJf1ZJvmOXxUA== 0001021408-03-009097.txt : 20030625 0001021408-03-009097.hdr.sgml : 20030625 20030625080411 ACCESSION NUMBER: 0001021408-03-009097 CONFORMED SUBMISSION TYPE: 11-K PUBLIC DOCUMENT COUNT: 5 CONFORMED PERIOD OF REPORT: 20030617 FILED AS OF DATE: 20030625 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BANK OF AMERICA CORP /DE/ CENTRAL INDEX KEY: 0000070858 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 560906609 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 11-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-06523 FILM NUMBER: 03755804 BUSINESS ADDRESS: STREET 1: BANK OF AMERICA CORPORATE CENTER STREET 2: 100 N TRYON ST CITY: CHARLOTTE STATE: NC ZIP: 28255 BUSINESS PHONE: 7043868486 MAIL ADDRESS: STREET 1: BANK OF AMERICA CORPORATE CENTER STREET 2: 100 N TRYON ST CITY: CHARLOTTE STATE: NC ZIP: 28255 FORMER COMPANY: FORMER CONFORMED NAME: BANKAMERICA CORP/DE/ DATE OF NAME CHANGE: 19981022 FORMER COMPANY: FORMER CONFORMED NAME: NATIONSBANK CORP DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: NCNB CORP DATE OF NAME CHANGE: 19920107 11-K 1 d11k.htm BANK OF AMERICA FORM 11-K Bank of America Form 11-K

Index to Financial Statements

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 11-K

(Mark One)

ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2002

TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission File Number 1-6523

A. Full title of the plan and the address of the plan, if different from that of the issuer named below:

Bank of America 401(k) Plan

B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:

Bank of America Corporation

Bank of America Corporate Center

Charlotte, NC 28255

The following Exhibit is filed as part of this Annual Report on Form 11-K:

Exhibit (99): Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Index to Financial Statements

THE BANK OF AMERICA 401(k) PLAN

FINANCIAL STATEMENTS AND

SUPPLEMENTAL SCHEDULES

WITH INDEPENDENT AUDITORS’ REPORT

DECEMBER 31, 2002 AND 2001

MORRIS, DAVIS & CHAN LLP

Certified Public Accountants

Index to Financial Statements

The Bank of America 401(k) Plan

Index to Financial Statements and Supplemental Schedules

December 31, 2002 and 2001

		Page
Report and Consent of Independent Auditors		1

Financial Statements:

Statements of Net Assets Available for Benefits		2

Statements of Changes in Net Assets Available for Benefits		3

Notes to Financial Statements		4 – 16

Supplemental Schedules:

Schedule of Assets		17 – 32

Schedule of Reportable Transactions		33

Index to Financial Statements

LOGO

REPORT AND CONSENT OF INDEPENDENT AUDITORS

Plan Participants and

Plan Administrator

The Bank of America 401(k) Plan:

We have audited the accompanying statements of net assets available for benefits of The Bank of America 401(k) Plan (the Plan), as of December 31, 2002 and 2001, and the related statements of changes in net assets available for benefits for the years then ended. These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2002 and 2001, and the changes in net assets available for benefits for the years then ended in conformity with accounting principles generally accepted in the United States of America.

Our audits were made for the purpose of forming an opinion on the basic financial statements taken as a whole. The accompanying supplemental schedules of assets as of December 31, 2002, and reportable transactions for the year ended December 31, 2002, are presented for the purpose of complying with the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974, and are not a required part of the basic financial statements. The supplemental schedules have been subjected to the auditing procedures applied in our audit of the basic financial statements and, in our opinion, are fairly stated in all material respects in relation to the basic financial statements taken as a whole.

In addition, we consent to the incorporation by reference in Registration Statement number 2-80406 on Form S-8 of Bank of America Corporation filed with the Securities and Exchange Commission of our report on the financial statements and supplemental schedules included in the Annual Report on Form 11-K of the Plan for the year ended December 31, 2002.

LOGO

May 23, 2003

Index to Financial Statements

The Bank of America 401(k) Plan

Statements of Net Assets Available for Benefits

December 31, 2002 and 2001

	2002		2001
Assets
Investments, at fair value (Notes 1 and 2)
Bank of America Corporation ESOP Convertible Preferred Stock, Series C allocated to participants (Note 9)	$	157,647,312	$	159,327,019
Bank of America Corporation Common Stock allocated to participants (Notes 5 and 9)		3,092,052,285		2,862,260,393
Common and preferred stock		3,891,455		6,275,572
Investment contracts		938,895,519		800,929,942
Mutual funds		5,201,302		6,570,817
Nations Fund investments (Notes 5 and 9)
Money market		135,917,471		94,547,127
Fixed income		149,719,112		123,769,837
Equity		1,400,291,070		1,725,064,671
Corporate debt and asset-backed securities		780,718		903,040
Mortgage-backed securities		475,984		560,389
U.S. government and government agency obligations		3,527,020		3,573,119
Other investments		22,925,456		41,996,246

Total investments (cost $4,255,914,330 and $3,924,782,515 respectively)		5,911,324,704		5,825,778,172

Cash		—		15,099
Accrued dividends and interest receivable		304,279		259,642
Employer contribution receivable		12,056,474		17,323,604
Employee contribution receivable		11,693,683		12,006,564
Other receivable		482,099		5,216,980

Total assets		5,935,861,239		5,860,600,061

Liabilities
Due to broker for securities purchased		20,295,065		10,179,676

Total liabilities		20,295,065		10,179,676

Net assets available for benefits	$	5,915,566,174	$	5,850,420,385

The accompanying notes are an integral part of these financial statements.

Index to Financial Statements

The Bank of America 401(k) Plan

Statements of Changes in Net Assets Available for Benefits

Years Ended December 31, 2002 and 2001

	2002			2001
Investment income
Interest	$	54,961,842		$	50,694,055
Dividends
Bank of America Corporation ESOP Convertible Preferred Stock, Series C		4,802,122			5,384,125
Bank of America Corporation Common Stock		108,034,083			103,476,806
Other common and preferred stock		383,449			138,156
Investment income from Nations Fund investments		33,184,328			53,393,391
Other		492,960			2,036,593
Net change in unrealized appreciation (depreciation) (Note 7)		(245,485,413	)		388,582,780
Net realized gain on sale of investments		216,879,780			201,490,727

Total investment income		173,253,151			805,196,633

Contributions (Note 1)
Employee		337,500,229			340,180,326
Employer		198,438,352			200,204,446

Total contributions		535,938,581			540,384,772

Total additions		709,191,732			1,345,581,405

Benefits paid to plan participants (Note 1)		634,856,610			658,057,694
Interest expense		—			525,381
Trustee and administrative fees (Note 2)		9,189,333			8,724,126

Total deductions		644,045,943			667,307,201

Transfer from The NationsBanc Montgomery Securities 401(k) Deferred Compensation Plan (Note 3)		—			225,899
Transfer to The Bank of America Pension Plan (Note 4)		—			(16,974,387	)

Total transfers (to) other plans		—			(16,748,488	)

Net increase		65,145,789			661,525,716
Net assets available for benefits
Beginning of year		5,850,420,385			5,188,894,669

End of year	$	5,915,566,174		$	5,850,420,385

The accompanying notes are an integral part of these financial statements.

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Description of the Plan

The following description of The Bank of America 401(k) Plan (the Plan), is provided for general information purposes only. Participants should refer to the Associate Handbook for a more complete description of applicable Plan provisions. Other Plan provisions may also apply to participants from predecessor plans assumed by Bank of America Corporation (the Corporation) and merged into the Plan.

Plan Sponsor and Participating Employers

The Corporation is the Plan sponsor. Participating employers in the Plan include the Corporation and certain of the Corporation’s principal subsidiaries.

General

The Plan is a defined contribution plan for employees of the Corporation and participating subsidiaries. It is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (ERISA). All employees are eligible to make pretax contributions the first day of the month after completing 1 full month of service, and are eligible to receive company matching contributions after completing 12 months of service. Any pretax contributions made prior to completing 12 months of service are not eligible for the company matching contribution. After-tax contributions are not permitted.

The Plan is administered by the Bank of America Corporation Corporate Benefits Committee (the Committee). The Board of Directors of the Corporation has the right at any time to remove any member of the Committee. Members of the Committee serve without compensation and act by majority vote. The Committee has overall responsibility for the operation and administration of the Plan including the power to construe and interpret the Plan, decide all questions that arise thereunder, and to delegate responsibilities.

All assets of the Plan are held in the trusts formed as part of the Plan. The assets of the Plan are held and invested in either the Principal Trust or the Leveraged Trust. The company matching contributions common and preferred stock accounts, and certain shares of the Corporation’s common stock which are not yet allocated to participant accounts, are held in the Leveraged Trust, formerly known as the ESOP Trust. The Principal Trust, formerly known as the Investment Trust, holds all other assets of the Plan.

Investment Alternatives

The Plan provides participants with 12 investment alternatives: the Nations Value Fund, the Nations Bond Fund, the Nations LargeCap Index Fund, the Nations International Equity Fund, the Stable Capital Fund, the Bank of America Corporation Common Stock Fund, the Nations Marsico Focused Equities Fund, the Nations SmallCap Index Fund, the Nations MidCap Index Fund, the Nations LifeGoal Income and Growth Portfolio, the Nations LifeGoal Balanced Growth Portfolio, and the Nations LifeGoal Growth Portfolio.

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Description of the Plan (Continued)

Investment Alternatives (Continued)

Participants may elect to modify existing investment allocations on a daily basis.

In addition, the Plan includes a Loan Fund and a Segregated Fund which are not available for additional participant investments. The Loan Fund consists of loans made to participants from acquired plans. The Segregated Fund consists of the segregated investments and accounts of certain participants of the former NationsBank Texas Plan.

Company matching contributions in stock, or in cash which is used to purchase stock, are not available for allocation to alternative investments by participants until they reach age 55 and are fully vested. In accordance with the American Institute of Certified Public Accountants Statement of Position Number 99-3, “Accounting for and Reporting of Certain Defined Contribution Plan Investments and Other Disclosure Matters”, information related to the net assets and changes in net assets for the nonparticipant-directed shares of Bank of America Corporation common and preferred stock is presented in Notes 11 and 12.

Plan Trustees

Bank of America N.A. is the trustee of the Principal Trust (Principal Trustee) under the Plan. State Street Bank & Trust Company is the trustee of the Leveraged Trust (Leveraged Trustee) which contains employer securities including Bank of America Corporation Common Stock and Bank of America Corporation ESOP Preferred Stock, Series C.

Contributions

The Plan provides for participant contributions through salary reductions ranging from 1% to 15% of base pay, overtime pay, shift differential pay, vacation and holiday pay, short-term disability benefits, and commissions, bonuses or other incentive pay designated by the Committee. In accordance with federal law, annual pretax contributions for 2002 and 2001 were limited to $11,000 and $10,500, respectively. Employees are permitted to change their contribution rate in multiples of 1% on a daily basis.

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Description of the Plan (Continued)

Contributions (Continued)

The Plan provides for an annual company matching contribution, which is based on the participant’s pretax contributions of their plan-eligible compensation for the Plan year. A participant must be employed by Bank of America on the last business day of the year in order to receive a matching contribution, unless during the year the participant retires, dies, becomes disabled, or terminates employment due to certain divestitures or workforce reductions. The Plan provides for a 100% company matching contribution for every $1 a participant contributes to the Plan, up to 5% of plan-eligible compensation. Company matching contributions are made in Bank of America Corporation Common Stock using the average month-end closing price for the year and adding in shares that would have been bought with dividends throughout the year. The Corporation makes periodic contributions based on its estimated annual contribution. Such contributions are subject to adjustment at December 31 of each year to give effect to forfeitures, which reduce the required company contribution.

Employer contributions include forfeitures and additional contributions made in the form of cash or Bank of America Corporation Common Stock. Pursuant to the Plan provisions, the total employer contribution calculated had a fair value of $209,932,283 and $214,886,967 for 2002 and 2001, respectively. After consideration of the release of unallocated shares, forfeitures, and dividends applied, the actual cash remitted by the Corporation was $198,438,352 and $200,204,446 for 2002 and 2001, respectively.

Participant Accounts

Each participant’s account is credited with the allocation of their contribution semi-monthly and with an annual allocation of the Corporation’s contributions. If a separation from service occurs, the participant’s account is credited with an allocation of the Corporation’s contribution as of the earlier of the date of distribution of the participant’s account or the annual allocation date if the separation from service was due to retirement, death, disability, or certain divestitures or workforce reductions. Earnings for all funds are allocated to a participant’s account on a daily basis, based on the participant’s account balance in relation to the total fund balance. Participants may elect to have the dividends earned on the Corporation’s stock allocated to their accounts, paid directly in cash or reinvested in the Plan.

Vesting of Benefits

Each participant is 100% vested in the participant’s pretax and rollover contributions to the Plan as well as earnings thereon. Company matching contributions vest 20% for each 12 months of vesting service and are 100% vested after completing 5 years of vesting service.

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Description of the Plan (Continued)

Vesting of Benefits (Continued)

Additionally, a participant becomes 100% vested in the matching contributions from the Corporation, regardless of the years of service, if during employment the participant reaches age 65, retires, dies, or becomes disabled under the Long-Term Disability benefits component of the Corporation’s Group Benefits Program, or terminates employment due to certain divestitures or workforce reductions.

Payment of Benefits

While still in service, participants in the Plan may generally withdraw previous employee and employer vested contributions as follows:

(1)

In the case of financial hardship within the meaning of Section 401(k) of the Internal Revenue Code as determined by the Committee.

(2)

When fully vested and having attained age 59¹/2.

(3)

After 5 years of service in the case of company matching contributions.

Certain other in-service distributions are permitted as provided for by plan provisions of predecessor plans merged with the Plan.

Following a participant’s death, disability, retirement or other separation from service, all vested amounts held in the Plan for a participant’s benefit are payable in a single lump sum in cash, unless the participant requests to receive all or a portion of his/her account balance in shares of Bank of America Corporation Common Stock. Participants may elect to transfer a part or all of their vested Plan balance to increase their monthly annuity payment under The Bank of America Pension Plan (the Pension Plan) if they retire under the Corporation’s retirement policy and their vested balances in both the Pension Plan and this Plan exceed $5,000. The Pension Plan is a defined benefit cash balance plan providing retirement benefits to eligible employees.

Loans to Participants

The current Plan does not permit new loans to participants.

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Summary of Significant Accounting Policies

Significant accounting policies of the Plan are summarized below:

Accounting Methods

The financial statements are prepared on the accrual basis of accounting in accordance with accounting principles generally accepted in the United States of America (GAAP). Revenues are recognized as earned. Expenses are recorded as incurred.

Management Estimates

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of Plan assets and liabilities and disclosure of contingent liabilities at the date of the financial statements and the reported amounts of Plan additions and deductions during the reporting period. Actual results could differ from those estimates.

Valuation of Investments

Collective investment funds are valued at the net asset value of the fund units owned.

The Plan’s investment in Bank of America Corporation ESOP Convertible Preferred Stock, Series C (ESOP Preferred Stock) is valued on the basis of an independent valuation by Duff & Phelps Financial Consulting Co.

Mortgage notes receivable, certificates of deposit, annuity contracts and cash equivalents are valued at face value which approximates fair value as determined in good faith by Bank of America, N.A. the Principal Trustee, a wholly-owned indirect subsidiary of the Corporation.

Participant loans are valued at cost, which approximates market as determined in good faith by the Principal Trustee.

Investment contracts are stated at contract value (principal plus accrued interest). The terms of the majority of the contracts are benefit responsive, providing a guarantee by the issuer to pay principal plus accrued interest in response to benefit related requests for payment. The average yield and crediting interest rates on such investments were approximately 6% for 2002 and 2001.

All other investments are valued at fair value as of the end of the Plan year, based on quoted market prices. The fair market values of investments that do not have readily ascertainable market values have been estimated by the Principal Trustee.

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Summary of Significant Accounting Policies (Continued)

Investment Transactions

Realized gains or losses on investment transactions are recorded as the difference between proceeds received and cost.

Cost is determined on the average cost basis, except for Bank of America Corporation Common Stock, which is determined based on the aggregate participant level average cost basis.

Net appreciation (depreciation) in fair value of investments includes the reversal of previously recognized appreciation (depreciation) related to investments sold during the period.

Investment securities purchased and sold are recorded on a trade date basis.

Plan Expenses

Leveraged Trustee fees, Principal Trustee direct expenses, some professional fees and certain administrative fees for associate communication and services, record-keeping and benefit payment services are paid by the Plan. These expenses are allocated prorata to the Plan’s investment funds.

Other administrative expenses and some professional fees are paid by the Corporation.

Investment Management

The Plan provides 12 investment alternatives to participants including certain portfolios of the Nations Fund mutual fund family, which is sub-advised by Banc of America Capital Management, LLC (BACAP), Marsico Capital Management, LLC (MCM), and certain unaffiliated investment advisors. BACAP and MCM are affiliates of the Corporation. The Nations International Equity Fund was sub-advised by another affiliate of the Corporation, Gartmore Global Partners (GGP) through January 15, 2002, when replaced by MCM. The Stable Capital Fund is managed by an unaffiliated investment advisor, Certus Asset Advisors Corporation.

Plan Mergers

On December 31, 2000, a Plan Merger Agreement was entered into between the Corporation and Banc of America Securities LLC, as Plan Sponsor of the NationsBanc Montgomery Securities 401(k) Deferred Compensation Plan (the Montgomery Plan), to merge the Montgomery Plan into the Plan. As a result of this merger, residual assets with a market value of $225,899 were transferred into the Plan during 2001.

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Transfer of Assets

Participants with balances from the former BankAmerica 401(k) Investment Plan had the opportunity to elect to transfer certain balances effective August 4, 2000, excluding Tax Reduction Act Stock Ownership Plan (TRASOP) balances and after-tax contributions, to a Transferred Savings Plan Account within the Pension Plan. Residual balances of $895,744 were transferred under such provisions in 2001.

Participants with balances from the former Montgomery Plan had the opportunity to elect to transfer their balances effective February 28, 2001, to a Transferred Savings Plan Account within the Pension Plan. Balances transferred under such provisions were $16,078,643 in 2001.

Concentrations of Investment Risk

Included in the Schedule of Assets, is a complete listing of the Plan’s investments at December 31, 2002. Investments at December 31, 2002 and 2001 that represent 5 percent or more of the Plan’s net assets available for benefits include the following:

	2002		2001
Bank of America Corporation Common Stock	$	3,092,052,285	$	2,862,260,393
Nations LargeCap Index Fund		602,421,537		838,354,081

Federal Income Tax Status

On March 5, 1998, the Plan Sponsor was informed by a letter from the Internal Revenue Service (IRS) that the Plan was designed in accordance with applicable sections of the Internal Revenue Code (IRC). Subsequently, and as discussed in Notes 3 and 4, Plan Mergers and Transfer of Assets, respectively, the Plan has been amended and restated. The Plan Sponsor has requested an updated determination letter.

The Plan Administrator believes that the Plan is designed and is currently being operated in compliance with the applicable provisions of the IRC. The Plan Administrator is not aware of any actions or events that have occurred that might disqualify the Plan from qualification under the IRC; thus, no provision for income taxes has been reflected in the accompanying financial statements.

Under present federal income tax laws, a participating employee will not be subject to federal income taxes on the contributions by the employer, or on the interest, dividends or profits on the sale of investments received by the trustee, until the participating employee’s account is distributed.

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Net Appreciation (Depreciation) in Fair Value of Investments

The Plan’s investments, by investment category, appreciated (depreciated) in value for the years ended December 31, as follows:

	2002			2001
Bank of America Corporation ESOP Convertible Preferred Stock, Series C	$	5,023,776		$	37,080,803
Bank of America Corporation Common Stock		95,001,034			640,687,401
Common and preferred stock		(1,687,952	)		(1,126,727	)
Mutual funds		(514,154	)		(617,691	)
Nations Fund Investments:
Fixed Income		1,747,345			843,954
Equity		(345,074,410	)		(288,338,338	)
Corporate debt and asset-backed securities		39,915			(46,709	)
Mortgage-backed securities		3,139			6,224
U.S. government and government agency obligations		40,225			49,601
Other investments		(64,331	)		44,262

Net appreciation (depreciation)	$	(245,485,413	)	$	388,582,780

Plan Termination

Although it has not expressed any intention to do so, the Corporation has the right under the Plan to discontinue its contributions at any time and to terminate the Plan subject to the provisions set forth in ERISA. In the event the Plan terminates, the total amounts credited to the accounts of each participant become fully vested and nonforfeitable.

Related Party Transactions

The Plan holds investments in various portfolios of Nations Funds, collectively, the Nations Fund Family, for which BACAP, MCM and GGP, pursuant to sub-advisory agreements with Banc of America Advisors, LLC, act as advisors. Effective January 15, 2002, GGP was replaced by MCM. Separate investment management fees are not charged to the Plan by the Corporation, rather the portfolios of the Nations Fund family bear investment advisory fees charged by the advisors. Subsidiaries of the Corporation act as the trustee and sponsor for such funds.

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Related Party Transactions (Continued)

Investment units and shares of Nations Funds are purchased at net asset value. The investments held at December 31, 2002 and 2001 were as follows:

	2002		2001
Nations Fund—Money Market
Nations Cash Reserves, Capital Class	$	128,030,792	$	84,881,286
Nations Cash Reserves, Trust Class		7,886,679		—
Nations Prime Portfolio		—		9,665,841

		135,917,471		94,547,127

Nations Fund—Fixed Income
Nations Government Securities Fund		218,151		303,673
Nations Bond Fund		148,760,426		122,703,430
Nations Short-Term Income Fund		630,402		656,304
Nations Short-Intermediate Government Fund		100,918		97,206
Nations Strategic Income Fund		9,215		9,224

		149,719,112		123,769,837

Nations Fund—Equity
Nations MidCap Index Fund		196,772,412		228,883,964
Nations MidCap Growth Fund		9,809		15,419
Nations Aggressive Growth Fund		—		13,203
Nations International Equity Fund		77,555,128		89,262,251
Nations LargeCap Index Fund		602,421,537		838,354,081
Nations Equity Income Fund		—		48,030
Nations SmallCap Index Fund		95,357,721		81,358,309
Nations Value Fund		97,159,092		109,703,537
Nations Marsico Focused Equities Fund		97,192,553		107,854,308
Nations Emerging Market Fund		12,330		13,437
Nations Capital Growth Fund		9,019		—
Nations Convertible Securities Fund		41,270		—
LifeGoal Balanced Growth Portfolio		150,716,374		180,057,894
LifeGoal Growth Portfolio		57,172,861		66,519,419
LifeGoal Income and Growth Portfolio		25,870,964		22,980,819

		1,400,291,070		1,725,064,671

Total Nations Fund Family	$	1,685,927,653	$	1,943,381,635

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

Related Party Transactions (Continued)

At December 31, 2002 and 2001, the Plan held investments in the Bank of America Corporation Common Stock valued at $3,092,052,285 and $2,862,260,393, respectively. The Plan held an investment in the Bank of America Corporation ESOP Convertible Preferred Stock, Series C of $157,647,312 and $159,327,019 at December 31, 2002 and 2001, respectively.

For the years ended December 31, 2002 and 2001, the Plan paid direct expenses to the Principal Trustee totaling $249,385 and $244,084, respectively.

10.

Reconciliation to Form 5500

The calculation of unrealized appreciation/(depreciation) and realized gains/(losses) differs for financial reporting purposes and the reporting under ERISA. ERISA requires that realized and unrealized gains and losses be determined using the revalued cost method. The revalued cost method requires that the cost basis of all investments be adjusted to their fair value at the beginning of the Plan year. The revalued cost method results in the same aggregate realized and unrealized gain or loss as that determined under GAAP, but results in a different amount for each of the realized and unrealized components. Under ERISA guidelines, unrealized appreciation/(depreciation) and realized gains/(losses) for the year ended December 31, 2002 were $(263,293,024) and $234,687,391, respectively, and were $350,496,806 and $239,576,701, respectively, for the year ended December 31, 2001.

Benefit obligations payable to participants at December 31, 2002 and 2001 are reflected as Plan liabilities in the Form 5500 but are not included as Plan liabilities in the statement of net assets available for benefits.

The following is a reconciliation of net assets available for benefits according to the financial statements to Form 5500:

	2002			2001
Net assets available for benefits per the financial statements	$	5,915,566,174		$	5,850,420,385
Benefit obligations payable		(1,135,538	)		(1,982,824	)

Net assets available for benefits per Form 5500	$	5,914,430,636		$	5,848,437,561

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

10.

Reconciliation to Form 5500 (Continued)

The following is a reconciliation of benefits paid to Plan participants according to the financial statements to Form 5500:

	2002			2001
Benefits paid to plan participants per the financial statements	$	634,856,610		$	658,057,694
Add: Benefit obligations payable at end of year		1,135,538			1,982,824
Less: Benefit obligations payable at beginning of year		(1,982,824	)		(2,683,634	)

Benefits paid to plan participants per Form 5500	$	634,009,324		$	657,356,884

Benefit obligations payable and related benefits paid are recorded on Form 5500 for those claims that have been processed and approved for payment prior to December 31 but not yet paid as of that date. For financial statement purposes, such amounts are not recorded until paid.

11.

Statements of Net Assets Available for Benefits—Nonparticipant-Directed

	2002		2001
Assets
Investments, at fair value
Bank of America Corporation ESOP Convertible Preferred Stock, Series C
Allocated to participants	$	157,647,312	$	159,327,019
Bank of America Corporation Common Stock
Allocated to participants		1,464,927,755		1,261,966,935
Nations Fund investments
Money market		14,503,654		11,713,007

Total investments		1,637,078,721		1,433,006,961
Cash		—		15,099
Accrued dividends and interest receivable		10,120		13,950
Employer contribution receivable		12,056,474		17,323,604

Total assets		1,649,145,315		1,450,359,614

Liabilities
Due to broker for securities purchased		1,661,092		1,792,456

Total liabilities		1,661,092		1,792,456

Net assets available for benefits	$	1,647,484,223	$	1,448,567,158

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

12.

Statements of Changes in Net Assets Available for Benefits—Nonparticipant-Directed

	2002			2001
Investment income
Dividends
Bank of America Corporation Common Stock	$	49,485,137		$	43,222,099
Bank of America Corporation ESOP Convertible Preferred Stock, Series C		4,802,122			5,384,125
Investment income from Nations Fund investments		136,683			327,217
Net realized and unrealized investment gain		154,468,399			373,930,079

Total investment income		208,892,341			422,863,520
Employer contributions		198,438,352			198,220,971

Total additions		407,330,693			621,084,491

Benefits paid to plan participants		185,095,246			161,489,738
Interest expense		—			525,381
Trustee and administrative fees		737,516			1,146,304

Total deductions		185,832,762			163,161,423

Transfers between funds		(20,632,357	)		(9,604,969	)
Transfers to The Bank of America Pension Plan		(1,948,509	)		(638,183	)
Transfer from The NationsBanc Montgomery Securities 401(k) Deferred Compensation Plan		—			225,899

Total transfers		(22,580,866	)		(10,017,253	)

Net increase		198,917,065			447,905,815
Net assets available for benefits
Beginning of year		1,448,567,158			1,000,661,343

End of year	$	1,647,484,223		$	1,448,567,158

Index to Financial Statements

The Bank of America 401(k) Plan

Notes to Financial Statements

December 31, 2002 and 2001

13.

Litigation

The BEST Plan, a predecessor plan, is the subject of certain litigation involving change of control provisions contained in the predecessor plan document. These actions seek relief, which would require the Plan Sponsor to make additional contributions to the Plan on behalf of the predecessor plan participants. While the outcome of these actions cannot be predicted, management believes there are substantial defenses to the claims asserted.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )	( b )	( c )			( d )		( e )
	Identity of Issue, Borrower, Lessor, or Similar Party	Description of Investment Including Maturity Date, Rate of Interest, Collateral, Par, or Maturity Value			Cost		Current Value
	Common and Preferred Stock
*	Bank of America Corporation	ESOP Convertible Preferred Stock, Series C	1,348,824	shares	$	57,325,020	$	157,647,312

	Total Bank of America Corporation ESOP Convertible Preferred Stock, Series C					57,325,020		157,647,312

*	Bank of America Corporation	Common Stock	44,445,196	shares		1,436,837,303		3,092,052,285

	Total Bank of America Corporation Common Stock					1,436,837,303		3,092,052,285

	Aastrom Biosciences Inc	Common Stock	1,000	shares		2,686		470
	Abbott Labs	Common Stock	800	shares		12,214		32,000
	Agere Sys Inc	Common Stock	150	shares		2,590		210
	Agilent Technologies Inc	Common Stock	38	shares		933		682
	Agrium Inc	Preferred Stock	800	shares		20,000		17,680
	Amerco	Preferred Stock	400	shares		10,000		4,168
	American Elec Pwr Inc	Common Stock	400	shares		16,904		10,932
	American Intl Petroleum Corp	Common Stock	10,000	shares		6,875		105
	American Tower Corp	Common Stock	200	shares		5,466		706
	Amgen Inc	Common Stock	220	shares		6,215		10,635
	AOL Time Warner Inc	Common Stock	2,200	shares		173,757		28,820
	Aquila Inc	Preferred Stock	800	shares		20,000		10,400
	Aquila Inc	Common Stock	750	shares		13,402		1,328
	AT&T Corp	Common Stock	60	shares		2,188		1,567
	AT&T Wireless Svcs Inc	Common Stock	100	shares		1,733		565
	Automatic Data Processing Inc	Common Stock	400	shares		18,256		15,700
	Avaya Inc	Common Stock	216	shares		2,338		529
	Avigen Inc	Common Stock	200	shares		3,725		1,142
*	Bank of America Corporation	Preferred Stock	1,000	shares		25,000		26,340
	Bank One Cap I	Preferred Stock	1,000	shares		26,250		26,490

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )

( b )

( c )

( d )

( e )

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,

Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

Ben Franklin Retail Stores Inc

Common Stock

14 shares

—

BP P L C

Common Stock

4,086 shares

85,519

166,096

Brush Engineered Matls Inc

Common Stock

100 shares

2,493

550

Burlington Res Inc

Common Stock

200 shares

6,373

8,530

Carlisle Cos Inc

Common Stock

200 shares

8,929

8,276

Caterpillar Inc

Common Stock

1,000 shares

34,925

45,720

ChevronTexaco Corp

Common Stock

931 shares

68,490

61,893

Choicepoint Inc

Common Stock

40 shares

263

1,580

Ciber Inc

Common Stock

400 shares

8,389

2,060

Cincinnati Gas & Elec Co

Preferred Stock

400 shares

10,000

10,340

Cisco Sys Inc

Common Stock

1,200 shares

66,265

15,720

Citigroup Cap VII

Preferred Stock

1,000 shares

25,350

26,490

Citigroup Inc

Common Stock

6,366 shares

115,320

224,020

Citizens Communications Co

Common Stock

692 shares

7,706

7,301

Coho Energy Inc

Common Stock

575 shares

31,580

Comcast Corp

Common Stock

97 shares

3,660

2,286

Conseco Fin Trust V

Preferred Stock

800 shares

20,000

136

Corporate Backed Trust

Preferred Stock

1,600 shares

37,702

32,244

Corts Trust

Preferred Stock

400 shares

10,000

8,840

Covad Communications Group Inc

Common Stock

1,500 shares

77,219

1,410

CTS Corp

Common Stock

100 shares

1,554

775

Delphi Automotive Systems Corp

Common Stock

200 shares

2,637

1,610

Diamond Offshore Drilling Inc

Common Stock

400 shares

10,926

8,740

Dominion Res Inc

Common Stock

400 shares

14,762

21,960

Dow Chem Co

Common Stock

200 shares

7,018

5,940

Duke Energy Corp

Common Stock

600 shares

20,379

11,724

Electronic Data Sys

Common Stock

1,100 shares

54,801

20,273

Emerge Interactive Inc

Common Stock

10 shares

150

Energy East Cap Trust I

Preferred Stock

400 shares

10,000

10,436

Enpro Inds Inc

Common Stock

120 shares

530

480

Entergy Gulf Sts Cap I

Preferred Stock

400 shares

10,000

10,196

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )

( b )

( c )

( d )

( e )

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,

Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

Ericsson L M Tel Co

Common Stock

1,697 shares

59,863

11,438

Evolve One Inc

Common Stock

5,000 shares

2,950

Exxon Mobil Corp

Common Stock

3,600 shares

64,456

125,784

FDN Inc

Common Stock

2,500 shares

5,078

—

First Bancorp

Common Stock

1,500 shares

35,046

33,900

Flextronics

Common Stock

400 shares

10,756

3,276

Ford Mtr Co

Common Stock

3,700 shares

46,221

34,410

Forest Oil Corp

Common Stock

1,000 shares

31,530

27,650

FPL Group Inc

Common Stock

1,200 shares

39,008

72,156

Gandalf Technologies Inc

Common Stock

300 shares

2,250

General Elec Co

Common Stock

1,900 shares

69,652

46,265

Gillette Co

Common Stock

100 shares

3,849

3,036

Global Crossing Ltd

Common Stock

400 shares

8,339

Globespan Virata Inc

Common Stock

200 shares

1,198

882

Goodrich Corp

Common Stock

600 shares

12,691

10,992

Great Atlantic & Pac Tea Inc

Preferred Stock

800 shares

20,000

14,600

Harken Energy Corp

Common Stock

1,000 shares

23,875

220

Henry Jack & Assoc Inc

Common Stock

10,000 shares

126,640

120,400

Hewlett-Packard Co

Common Stock

516 shares

18,420

8,958

High Speed Access Corp

Common Stock

1,000 shares

3,530

1,300

Home Depot Inc

Common Stock

200 shares

10,148

4,804

Intel Corp

Common Stock

600 shares

14,413

9,342

International Business Machines

Common Stock

1,200 shares

37,259

93,000

JDS Uniphase Corp

Common Stock

200 shares

12,481

494

Johnson & Johnson

Common Stock

2,326 shares

123,028

124,929

J P Morgan Chase Cap Trust

Preferred Stock

1,000 shares

26,000

26,200

Juniper Networks Inc

Common Stock

200 shares

27,125

1,360

K Mart Corp

Common Stock

1,500 shares

2,085

304

Keyspan Corp

Common Stock

1,210 shares

37,508

42,640

Liberty Media Corp

Common Stock

832 shares

12,064

7,438

Lowes Cos Inc

Common Stock

500 shares

11,263

18,750

Lucent Technologies Inc

Common Stock

1,556 shares

13,937

1,961

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )

( b )

( c )

( d )

( e )

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,

Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

Maverick Tube Corp

Common Stock

1,000 shares

15,440

13,030

Mepc Intl

Preferred Stock

400 shares

10,524

8,280

Merck & Co Inc

Common Stock

2,800 shares

121,548

158,508

Metricom Inc

Common Stock

200 shares

3,500

—

Microsoft Corp

Common Stock

3,940 shares

274,634

203,698

Mirant Corp

Common Stock

300 shares

2,541

561

Motorola Inc

Common Stock

3,570 shares

139,290

30,881

National Semiconductor Corp

Common Stock

2,000 shares

66,225

30,020

Newscorp Overseas Ltd

Preferred Stock

400 shares

9,928

9,960

Nextel Communications Inc

Common Stock

2,000 shares

10,727

23,100

Nextera Enterprises Inc

Common Stock

200 shares

1,400

Nokia Corp

Common Stock

400 shares

14,638

6,200

Nortel Networks Corp

Common Stock

400 shares

18,483

644

Northwest Airls Inc

Preferred Stock

500 shares

10,228

7,600

Novell Inc

Common Stock

200 shares

4,963

668

Ohio Pwr Co

Preferred Stock

800 shares

19,840

20,096

Oracle Corp

Common Stock

3,200 shares

86,464

34,560

Pac-West Telecom Inc

Common Stock

100 shares

1,866

Parametric Technology Corp

Common Stock

300 shares

6,675

756

Park Electrochemical Corp

Common Stock

200 shares

1,773

3,840

Penney J C Inc

Common Stock

500 shares

4,588

11,505

Peoples Energy Corp

Common Stock

100 shares

3,232

3,865

Pepsico Inc

Common Stock

250 shares

9,638

10,555

Pfizer Inc

Common Stock

7,000 shares

58,635

213,990

Phelps Dodge Corp

Common Stock

200 shares

12,291

6,330

Pillowtex Corp

Common Stock

3,000 shares

17,963

Pioneer Nat Res Co

Common Stock

1,000 shares

24,489

25,250

Placer Dome Inc

Preferred Stock

400 shares

9,974

10,096

Polycom Inc

Common Stock

23 shares

708

219

Power-One Inc

Common Stock

200 shares

8,406

1,134

Predicted Enviroment Inc

Common Stock

200,000 shares

100,000

—

Puget Sound Energy Cap

Preferred Stock

400 shares

10,000

10,280

* Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )

( b )

( c )

( d )

( e )

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,
Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

Qualcomm Inc

Common Stock

300 shares

19,418

10,917

Red Hat Inc

Common Stock

200 shares

9,462

1,182

Reebok Intl Ltd

Common Stock

1,000 shares

26,575

29,400

Rhone Poulenc Overseas Ltd

Preferred Stock

800 shares

20,128

20,312

Rowan Cos Inc

Common Stock

200 shares

5,373

4,540

Royal Dutch Petroleum Co

Common Stock

2,200 shares

52,065

96,844

Safeguard Scientifics Inc

Common Stock

200 shares

11,698

272

Saturns

Preferred Stock

400 shares

10,000

8,204

SBC Communications Inc

Common Stock

2,000 shares

11,963

54,220

Scana Corp

Common Stock

631 shares

12,800

19,536

Schering Plough Corp

Common Stock

800 shares

11,260

17,760

Scientific Atlanta Inc

Common Stock

3,800 shares

103,645

45,068

Siebel Sys Inc

Common Stock

500 shares

17,363

3,700

Smart & Final Inc

Common Stock

300 shares

2,996

1,560

Southern Co

Common Stock

1,600 shares

33,080

45,424

Southern Union Financing

Preferred Stock

400 shares

10,000

10,044

Southwest Airls Co

Common Stock

1,412 shares

10,869

19,627

Startek Inc

Common Stock

200 shares

3,860

5,520

Sun Microsystems Inc

Common Stock

800 shares

3,744

2,488

Taiwan Semiconductor Mfg Ltd

Common Stock

5,271 shares

92,544

37,161

TDS Cap I

Preferred Stock

400 shares

10,000

10,060

TDS Cap II

Preferred Stock

400 shares

10,102

9,720

Teco Energy Inc

Common Stock

200 shares

3,096

3,094

Terex Corp

Common Stock

100 shares

1,224

1,114

Tesoro Pete Corp

Common Stock

200 shares

2,670

904

Texas Instruments Inc

Common Stock

19,000 shares

462,100

285,190

Textron

Preferred Stock

400 shares

9,750

10,096

Transocean Inc

Common Stock

19 shares

478

441

Travelers Ppty

Common Stock

850 shares

8,141

12,453

TXU Corp

Preferred Stock

570 shares

14,963

13,948

TXU Corp

Common Stock

3,900 shares

145,044

72,852

Tyco Intl Ltd

Common Stock

200 shares

4,591

3,416

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )	( b )	( c )		( d )		( e )
	Identity of Issue, Borrower, Lessor, or Similar Party	Description of Investment Including Maturity Date, Rate of Interest, Collateral, Par, or Maturity Value		Cost		Current Value
	U S G Corp	Common Stock	2,000 shares	$	45,640	$	16,900
	United States Cellular Corp	Preferred Stock	800 shares		20,000		20,832
	Verizon Communications Inc	Common Stock	700 shares		35,386		27,125
	Viscount Sys Inc	Common Stock	1,500 shares		4,695		195
	Visteon Corp	Common Stock	200 shares		2,851		1,392
	Wal Mart De Mexico	Common Stock	422 shares		9,307		9,598
	Wal Mart Stores Inc	Common Stock	5,100 shares		95,162		257,601
	Williams Cos Inc	Common Stock	800 shares		15,211		2,160
	Worldcom Inc—New MCI Group	Common Stock	66 shares		2,889		10
	Worldcom Inc—New Worldcom Group	Common Stock	3,150 shares		81,491		389
	Wyeth	Common Stock	1,600 shares		24,809		59,840
	Xcel Energy Inc	Common Stock	1,872 shares		39,884		20,592
	Xerox Corp	Common Stock	2,000 shares		13,950		16,100
	Yahoo Inc	Common Stock	200 shares		37,146		3,267

	Total Common and Preferred Stock				4,686,223		3,891,455

	Investment Contracts

	AIG	Guaranteed Investment Contract 5.97%			156,421,933		156,421,933
	Allstate	Guaranteed Investment Contract 6.08%			16,350,205		16,350,205
	Canada Life	Guaranteed Investment Contract 5.60%			10,467,399		10,467,399
	Canada Life	Guaranteed Investment Contract 6.14%			10,469,438		10,469,438
	Canada Life	Guaranteed Investment Contract 3.90%			15,067,760		15,067,760
	CDC	Guaranteed Investment Contract 6.58%			7,560,476		7,560,476
	CDC	Guaranteed Investment Contract 6.25%			118,333,562		118,333,562
	GE Life & Annuity	Guaranteed Investment Contract 7.45%			20,309,478		20,309,478
	GE Life & Annuity	Guaranteed Investment Contract 4.14%			7,131,602		7,131,602
	GE Life & Annuity	Guaranteed Investment Contract 5.02%			5,479,130		5,479,130
	Hartford Life	Guaranteed Investment Contract 7.45%			20,550,793		20,550,793
	Hartford Life	Guaranteed Investment Contract 6.15%			11,074,205		11,074,205
	Hartford Life	Guaranteed Investment Contract 5.93%			7,554,650		7,554,650

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )	( b )	( c )	( d )		( e )
	Identity of Issue, Borrower, Lessor, or Similar Party	Description of Investment Including Maturity Date, Rate of Interest, Collateral, Par, or Maturity Value	Cost		Current Value
	Jackson National Life	Guaranteed Investment Contract 3.65%	$	3,008,557	$	3,008,557
	Jackson National Life	Guaranteed Investment Contract 3.57%		7,019,536		7,019,536
	John Hancock	Guaranteed Investment Contract 4.47%		8,028,806		8,028,806
	John Hancock	Guaranteed Investment Contract 5.82%		7,554,831		7,554,831
	Monumental Life	Guaranteed Investment Contract 6.86%		3,894,593		3,894,593
	Ohio National Life	Guaranteed Investment Contract 7.28%		10,330,720		10,330,720
	Ohio National Life	Guaranteed Investment Contract 6.02%		11,100,698		11,100,698
	Pruco Life	Guaranteed Investment Contract 5.59%		10,480,616		10,480,616
	Pruco Life	Guaranteed Investment Contract 4.03%		15,201,046		15,201,046
	Rabobank	Guaranteed Investment Contract 7.34%		5,027,360		5,027,360
	Rabobank	Guaranteed Investment Contract 7.33%		5,009,961		5,009,961
	Rabobank	Guaranteed Investment Contract 5.45%		4,235,538		4,235,538
	Rabobank	Guaranteed Investment Contract 10.14%		4,877,443		4,877,443
	Rabobank	Guaranteed Investment Contract 8.25%		4,863,952		4,863,952
	Rabobank	Guaranteed Investment Contract 5.92%		6,970,386		6,970,386
	Rabobank	Guaranteed Investment Contract 7.42%		7,507,518		7,507,518
	Rabobank	Guaranteed Investment Contract 7.09%		8,994,893		8,994,893
	Rabobank	Guaranteed Investment Contract 4.72%		30,353,973		30,353,973
	Rabobank	Guaranteed Investment Contract 5.41%		5,098,390		5,098,390
	Rabobank	Guaranteed Investment Contract 5.37%		7,666,878		7,666,878
	Rabobank	Guaranteed Investment Contract 5.08%		6,640,323		6,640,323
	Rabobank	Guaranteed Investment Contract 5.11%		6,082,331		6,082,331
	Rabobank	Guaranteed Investment Contract 7.07%		15,042,449		15,042,449
	Rabobank	Guaranteed Investment Contract 6.91%		10,138,020		10,138,020
	Rabobank	Guaranteed Investment Contract 4.57%		15,179,117		15,179,117
	Rabobank	Guaranteed Investment Contract 5.77%		8,090,596		8,090,596
	Rabobank	Guaranteed Investment Contract 4.20%		8,006,996		8,006,996
	Security Life of Denver	Guaranteed Investment Contract 4.14%		3,784,025		3,784,025
	Transamerica	Guaranteed Investment Contract 6.18%		109,124,044		109,124,044
	Travelers Ins Co	Guaranteed Investment Contract 7.09%		10,618,942		10,618,942
	UBS AG	Guaranteed Investment Contract 6.55%		2,442,582		2,442,582
	UBS AG	Guaranteed Investment Contract 6.61%		5,605,743		5,605,743

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

(a)	(b)	(c)		(d)		(e)
	Identity of Issue, Borrower, Lessor, or Similar Party	Description of Investment Including Maturity Date, Rate of Interest, Collateral, Par, or Maturity Value		Cost		Current Value
	UBS AG	Guaranteed Investment Contract 6.36%		$	1,466,159	$	1,466,159
	UBS AG	Guaranteed Investment Contract 6.79%			7,508,655		7,508,655
	UBS AG	Guaranteed Investment Contract 6.84%			7,446,490		7,446,490
	UBS AG	Guaranteed Investment Contract 6.40%			5,169,403		5,169,403
	UBS AG	Guaranteed Investment Contract 6.71%			5,090,090		5,090,090
	UBS AG	Guaranteed Investment Contract 6.68%			603,435		603,435
	Westdeutsche Landesbank	Guaranteed Investment Contract 7.04%			6,016,012		6,016,012
	Westdeutsche Landesbank	Guaranteed Investment Contract 6.15%			130,843,781		130,843,781

	Total Investment Contracts				938,895,519		938,895,519

	Mutual Funds

	Aberdeen	Asia-Pacific Income Fund	8,500 shares		50,688		39,355
	Aberdeen	Global Income Fund	4,600 shares		50,609		45,816
	ACM	Income Fund	4,130 shares		32,886		34,940
	Aim	Funds Group	1,092 shares		16,300		7,718
	Alliance	Bond Fund	38,725 shares		309,652		288,500
	American	20th Century Select Fund	4,825 shares		184,680		137,517
	American	20th Century Ultra Fund	1,533 shares		60,883		32,463
	American	High Income Trust	1,695 shares		25,656		17,509
	American	Bond Fund of America	3,815 shares		47,187		48,451
	Ark Funds	Emerging Markets Equity	548 shares		9,803		3,909
	Ark Funds	Small Cap Portfolio	1,789 shares		27,948		21,627
	Asa Ltd	Mutual Fund	200 shares		10,660		8,196
	Baron	Asset Fund	272 shares		12,310		9,361
	Blackrock	Income Trust	2,500 shares		16,688		19,650
	Calamos	Investment Trust	1,394 shares		51,200		42,910
	Capital	World Growth & Income	895 shares		25,330		19,924
	Fidelity	Advisor Series VIII	1,344 shares		20,602		15,091
	Fidelity	Advisor Capital Appreciation Fund	85 shares		1,513		919
	Fidelity	Cap Trust	2,052 shares		45,064		36,868

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )	( b )	( c )			( d )		( e )
	Identity of Issue, Borrower, Lessor, or Similar Party	Description of Investment Including Maturity Date, Rate of Interest, Collateral, Par, or Maturity Value			Cost		Current Value
	Fidelity	Charles Str Trust	9,311	shares	$	147,399	$	128,490
	Fidelity	Comwlth Trust Small Cap Independence Fund	1,463	shares		23,094		19,455
	Fidelity	Finl Trust Equity Income II Fund	2,119	shares		47,289		36,853
	Fidelity	Finl Trust Independence Fund	2,358	shares		59,032		30,823
	Fidelity	Growth Co Fund	631	shares		53,874		22,354
	Fidelity	Income Fund	15,104	shares		158,083		169,765
	Fidelity	Investment Trust	213	shares		5,148		3,655
	Fidelity	Mt Vernon Str Trust	1,004	shares		55,365		11,238
	First Trust	Mutual Fund	3,287	shares		34,209		32,771
	Fidelity	Germany Fund	882	shares		11,044		3,987
	Hambrecht & Quist	Healthcare Fund	2,329	shares		57,676		32,099
	High Income	Opportunity Fund	1,520	shares		19,000		9,530
	Income Fund	Mutual Fund	5,352	shares		76,679		76,807
	Janus	Enterprise Fund	3,786	shares		300,000		86,899
	Janus	Janus Fund	578	shares		18,108		10,298
	Liberty Colonial	Federal Securities Fund	2,963	shares		33,484		32,444
	MFS	Charter Income Trust	1,755	shares		19,976		14,619
	Midas Fund	Mutual Fund	1,736	shares		5,000		2,656
	Morgan Grenfell	Investment Trust	9,949	shares		308,335		170,820
	Nasdaq 100 TrustUnit Ser I	Mutual Fund	200	shares		21,255		4,874
	Nicholas Fund	Mutual Fund	4,836	shares		257,042		205,112
	Pimco	Mutual Fund	11,328	shares		603,750		201,213
	Professionally Managed	Mutual Fund	2,781	shares		32,789		25,333
	Putnam	Amern Govt Income Fund	4,060	shares		32,848		36,665
	San Juan	Basin Rty Trust	1,000	shares		12,725		13,700
	Scudder	Global High Income Fund	15,000	shares		83,125		91,500
	Scudder	High Yield Ser	3,201	shares		25,000		15,173
	Scudder	Income Trust	1,968	shares		31,423		30,440
	Scudder	Short Term Bond Fund	4,951	shares		59,406		52,872
	Scudder	US Govt Secs Fund	2,344	shares		22,114		20,677
	Sector SPDR Trust	Mutual Fund	1,000	shares		20,550		14,800
	Sector SPDR Trust Unit Ser I	Mutual Fund	800	shares		84,040		70,584

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )

( b )

( c )

( d )

( e )

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,

Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

Templeton

Global Income Fund

2,500 shares

16,688

19,250

Van Kampen Merritt

US Govt Fund

7,119 shares

104,508

103,933

Vanguard

GNMA Portfolio

1,688 shares

18,328

18,141

Vanguard

Long-Term Corporate Portfolio

1,190 shares

10,522

10,986

Vanguard

Short-Term Portfolio

3,003 shares

33,015

32,400

Vanguard

Income Fund

1,135 shares

22,902

22,579

Vanguard

Fixed Income Secs Fund

69,531 shares

701,967

747,463

Vanguard

Fixed Income Secs Fund Inter Term U S Treas Portfolio

6,053 shares

65,754

71,367

Vanguard

Fixed Income Secs Fund Long Term Corporate Portfolio

1,484 shares

12,852

13,702

Vanguard

Index Trust 500 Portfolio

858 shares

52,260

69,627

Vanguard

Index Trust-Growth Portfolio

612 shares

20,958

12,208

Vanguard

Inter-Term Treas Fund

5,833 shares

64,730

68,773

Vanguard

Long-Term Treas Fund

8,895 shares

99,104

104,608

Vanguard

Short Term Portfolio

817 shares

8,669

8,820

Vanguard

Specialized Portfolios

789 shares

19,628

18,314

Vanguard

US Treas Bd Portfolio

6,364 shares

70,813

74,842

Vanguard

Utilities Income Portfolio

635 shares

7,650

5,581

Vanguard

Wellington Fund

29,089 shares

640,359

714,417

Vanguard

Windsor Fund

5,870 shares

83,058

70,441

Vanguard

Windsor II

16,364 shares

300,883

340,376

Washington Mut

Invs Fund

951 shares

26,381

22,365

White Oak

Growth Stock Fund

3,772 shares

275,861

86,977

Zweig

Total Return Fund

10,000 shares

64,825

54,902

Total Mutual Funds

6,440,236

5,201,302

Nations Fund Investments—Money Market

Nations

Cash Reserves, Capital Class

128,030,792 shares

128,030,792

Nations

Cash Reserves, Trust Class

7,886,679 shares

7,886,679

Total Nations Fund Investments—Money Market

135,917,471

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

(a)

(b)

(c)

(d)

(e)

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,

Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

Nations Fund Investments—Fixed Income

Nations

Government Securities Fund

20,388 shares

215,720

218,151

Nations

Bond Fund

14,965,837 shares

146,694,857

148,760,426

Nations

Short-Term Income Fund

62,602 shares

625,279

630,402

Nations

Short-Intermediate Government Fund

23,199 shares

98,418

100,918

Nations

Strategic Income Fund

950 shares

10,393

9,215

Total Nations Fund Investments—Fixed Income

147,644,667

149,719,112

Nations Fund Investments—Equity

Nations

MidCap Index Fund

26,992,100 shares

188,225,451

196,772,412

Nations

MidCap Growth Fund

1,102 shares

15,000

9,809

Nations

International Equity Fund

8,924,641 shares

105,637,133

77,555,128

Nations

LargeCap Index Fund

35,604,109 shares

510,047,534

602,421,537

Nations

SmallCap Index Fund

7,740,075 shares

110,004,039

95,357,721

Nations

Value Fund

10,855,764 shares

152,956,531

97,159,092

Nations

Marsico Focused Equities Fund

7,587,241 shares

139,758,420

97,192,553

Nations

Emerging Market Fund

1,475 shares

15,000

12,330

Nations

Capital Growth Fund

1,611 shares

25,000

9,019

Nations

Convertible Securities Fund

2,988 shares

65,472

41,270

Nations

Lifegoal Balanced Growth Portfolio

16,877,534 shares

184,308,349

150,716,374

Nations

Lifegoal Growth Portfolio

6,997,902 shares

81,797,984

57,172,861

Nations

Lifegoal Income & Growth Portfolio

2,678,154 shares

27,719,521

25,870,964

Total Nations Fund Investments—Equity

1,500,575,434

1,400,291,070

Corporate Debt and Asset-Backed Securities

AT&T Broadband Corp

Dtd 11/18/02 9.45% Due 11/15/22

24,000 shares

22,382

28,279

CNA Finl Corp

Dtd 11/15/93 7.25% Due 11/15/23

100,000 shares

83,750

83,782

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )

( b )

( c )

( d )

( e )

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,

Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

Dana Corp

Dtd 03/03/99 6.50% Due 03/01/09

90,000 shares

77,240

78,300

Du Pont E I De Nemours & Co

Dtd 03/15/92 8.12% Due 03/15/04

100,000 shares

99,800

107,466

Federal National Mortgage Association

Dtd 09/12/95 6.55% Due 09/12/05

50,000 shares

49,821

56,032

Ford Motor Credit Co

Dtd 07/16/99 6.70% Due 07/16/04

20,000 shares

19,750

20,377

Ford Motor Credit Co

Dtd 01/30/01 6.87% Due 02/01/06

40,000 shares

39,432

40,070

General Motors Acceptance Corp

Dtd 03/05/02 7.40% Due 03/15/17

50,000 shares

50,006

50,593

General Motors Acceptance Corp

Dtd 10/30/01 7.55% Due 10/15/16

15,000 shares

15,419

15,205

General Motors Acceptance Corp

Dtd 12/04/01 7.50% Due 12/15/16

15,000 shares

15,419

15,171

General Motors Acceptance Corp

Dtd 10/23/01 7.40% Due 10/15/16

15,000 shares

15,381

15,084

Goodyear Tire & Rubber Co

Dtd 03/16/98 7.00% Due 03/15/28

75,000 shares

63,375

49,910

Mountain Sts Tel & Teleg Co

Dated 08/01/67 6.00% Due 08/01/07

5,000 shares

4,794

4,450

New York Tel Co

Dtd 08/17/93 7.00% Due 8/15/25

50,000 shares

50,500

50,402

Northwestern Bell Tel Co

Dtd 01/01/68 6.25% Due 01/01/07

5,000 shares

4,931

4,375

Polaroid Corp

Dtd 02/17/99 11.50% Due 02/15/06

50,000 shares

52,063

4,563

Remington Products Co LLC

Dtd 05/23/96 11.00% Due 05/15/06

50,000 shares

48,493

41,500

TXU Corp

Dtd 06/15/01 6.37% Due 06/15/06

40,000 shares

31,200

36,600

Webb Del Corp

Dtd 02/18/99 10.25% Due 02/15/10

50,000 shares

49,500

54,500

Weirton Stl Corp

Dtd 07/03/96 11.38% Due 07/01/04

50,000 shares

51,499

24,059

Total Corporate Debt and Asset-Backed Securities

844,755

780,718

Mortgage-Backed Securities

Federal National Mortgage Association

Dtd 02/01/94 6.75% Due 12/25/23

100,000 shares

90,500

104,316

Chase Mtg

Fin Trust Dtd 02/01/02 6.75% Due 03/25/32

25,000 shares

24,911

25,416

GNMA

Pool #000644 Dtd 10/01/86 9.50% Due 10/20/16

479 shares

493

536

GNMA

Pool #017046 Dtd 05/01/77 8.50% Due 03/15/07

2,100 shares

2,199

2,254

GNMA

Pool #030048 Dtd 03/01/79 9.00% Due 02/15/09

2,718 shares

2,666

2,966

GNMA

Pool #033190 Dtd 11/01/95 7.50% Due 11/15/25

6,569 shares

6,618

7,278

GNMA

Pool #105474 Dtd 11/01/83 12.50% Due 10/15/13

683 shares

738

811

GNMA

Pool #124950 Dtd 05/01/85 9.00% Due 05/15/15

9,726 shares

9,628

10,806

GNMA

Pool #130090 Dtd 09/01/85 11.00% Due 09/15/15

910 shares

888

1,060

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )

( b )

( c )

( d )

( e )

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,

Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

GNMA

Pool #130090 Dtd 09/01/85 11.00% Due 09/15/15

228 shares

222

265

GNMA

Pool #130090 Dtd 09/01/85 11.00% Due 09/15/15

592 shares

577

689

GNMA

Pool #131552 Dtd 08/01/85 11.50% Due 08/15/15

7,574 shares

7,537

8,887

GNMA

Pool #135381 Dtd 08/01/85 11.50% Due 07/15/15

632 shares

631

742

GNMA

Pool #135381 Dtd 08/01/85 11.50% Due 07/15/15

211 shares

210

247

GNMA

Pool #136140 Dtd 11/01/85 10.50% Due 10/15/15

225 shares

231

259

GNMA

Pool #141703 Dtd 10/01/85 11.50% Due 10/15/15

144 shares

144

169

GNMA

Pool #141703 Dtd 10/01/85 11.50% Due 10/15/15

288 shares

287

337

GNMA

Pool #142513 Dtd 11/01/85 11.00% Due 10/15/15

695 shares

734

810

GNMA

Pool #142513 Dtd 11/01/85 11.00% Due 10/15/15

695 shares

734

810

GNMA

Pool #144704 Dtd 12/01/85 11.00% Due 12/15/15

588 shares

592

684

GNMA

Pool #148980 Dtd 02/01/86 10.00% Due 02/15/16

924 shares

964

1,058

GNMA

Pool #158422 Dtd 05/01/86 9.50% Due 05/15/16

470 shares

465

528

GNMA

Pool #158422 Dtd 05/01/86 9.50% Due 05/15/16

470 shares

465

528

GNMA

Pool #158990 Dtd 07/01/86 9.00% Due 07/15/16

1,628 shares

1,611

1,811

GNMA

Pool #165651 Dtd 07/01/86 9.00% Due 06/15/16

1,026 shares

1,032

1,142

GNMA

Pool #166126 Dtd 07/01/86 9.50% Due 07/15/16

2,495 shares

2,543

2,803

GNMA

Pool #172611 Dtd 11/01/86 9.50% Due 11/15/16

701 shares

697

754

GNMA

Pool #174515 Dtd 08/01/87 9.50% Due 08/15/17

1,547 shares

1,543

1,739

GNMA

Pool #180576 Dtd 03/01/87 8.00% Due 03/15/17

5,684 shares

5,642

6,240

GNMA

Pool #184163 Dtd 12/01/86 9.00% Due 11/15/16

509 shares

525

566

GNMA

Pool #184838 Dtd 06/01/87 8.00% Due 06/15/17

27,779 shares

27,917

30,493

GNMA

Pool #194375 Dtd 03/01/87 9.00% Due 02/15/17

1,988 shares

1,946

2,212

GNMA

Pool #197040 Dtd 03/01/87 8.00% Due 03/15/17

8,292 shares

8,227

9,103

GNMA

Pool #199443 Dtd 01/01/87 8.00% Due 01/15/17

10,151 shares

9,948

11,143

GNMA

Pool #255053 Dtd 10/01/88 10.00% Due 10/15/18

12,043 shares

11,833

13,806

GNMA

Pool #258770 Dtd 08/01/88 10.00% Due 07/15/18

4,634 shares

4,623

5,313

GNMA

Pool #266976 Dtd 12/01/88 10.00% Due 12/15/18

1,179 shares

1,178

1,352

GNMA

Pool #285201 Dtd 04/01/90 8.50% Due 03/15/20

1,778 shares

1,768

1,962

GNMA

Pool #288415 Dtd 04/01/90 9.50% Due 03/15/20

1,182 shares

1,188

1,331

GNMA

Pool #288621 Dtd 07/01/90 9.50% Due 07/15/20

3,583 shares

3,583

4,033

GNMA

Pool #320835 Dtd 04/01/92 7.50% Due 04/15/22

6,274 shares

6,195

6,740

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

(a)

(b)

(c)

(d)

(e)

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,

Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

GNMA

Pool #321186 Dtd 07/01/92 8.00% Due 07/15/22

19,463 shares

20,145

21,321

GNMA

Pool #322807 Dtd 02/01/92 8.00% Due 02/15/22

2,451 shares

2,460

2,685

GNMA

Pool #330133 Dtd 08/01/92 7.50% Due 08/15/22

24,063 shares

24,334

25,866

GNMA

Pool #334371 Dtd 11/01/92 7.50% Due 11/15/07

10,815 shares

10,727

11,585

GNMA

Pool #341342 Dtd 12/01/92 8.00% Due 12/15/22

7,718 shares

7,838

8,454

GNMA

Pool #342553 Dtd 03/01/93 7.50% Due 03/15/23

3,787 shares

3,773

4,071

GNMA

Pool #411479 Dtd 11/01/95 7.50% Due 11/15/25

9,776 shares

9,806

10,484

GNMA

Pool #471439 Dtd 10/01/01 6.50% Due 10/15/31

33,117 shares

33,613

34,782

GNMA

Pool #559513 Dtd 10/01/01 6.50% Due 10/15/31

30,103 shares

29,971

31,616

GNMA

Pool #570738 Dtd 01/01/02 5.50% Due 01/15/32

49,733 shares

50,045

51,121

Total Mortgage-Backed Securities

437,145

475,984

US Government and Government Agency Obligations

Federal Home Loan Mortgage Corp

Dtd 02/06/98 5.65% Due 02/06/03

50,000 shares

49,680

50,203

Federal Home Loan Mortgage Corp

Dtd 03/03/98 5.60% Due 03/03/03

50,000 shares

49,476

50,360

Federal Home Loan Mortgage Corp

Dtd 03/17/98 6.19% Due 03/17/05

50,000 shares

49,214

54,594

United States

Treasury Bill Dtd 07/18/02 Due 01/16/03

115,000 shares

114,026

114,944

United States

Treasury Bill Dtd 08/15/02 Due 02/13/03

50,000 shares

49,598

49,930

United States

Treasury Bill Dtd 10/10/02 Due 04/10/03

15,000 shares

14,884

14,950

United States

Treasury Bill Dtd 11/29/02 Due 05/29/03

100,000 shares

99,367

99,512

United States

Treasury Bill Dtd 08/29/02 Due 02/27/03

100,000 shares

99,171

99,816

United States

Treasury Bill Dtd 09/19/02 Due 03/20/03

110,000 shares

109,155

109,723

United States

Treasury Bill Dtd 12/19/02 Due 06/19/03

100,000 shares

99,400

99,438

United States

Treasury Bond Dtd 02/15/86 9.25% Due 02/15/16

10,000 shares

9,970

14,841

United States

Treasury Bond Dtd 02/15/91 7.87% Due 02/15/21

100,000 shares

123,063

137,219

United States

Treasury Bond Dtd 05/15/86 7.25% Due 05/15/16

10,000 shares

9,838

12,806

United States

Treasury Bond Dtd 11/15/91 8.00% Due 11/15/21

20,000 shares

20,197

27,869

United States

Treasury Bond Dtd 11/16/92 7.62% Due 11/15/22

25,000 shares

25,015

33,805

United States

Treasury Note Dtd 02/15/00 6.50% Due 02/15/10

15,000 shares

14,935

17,930

United States

Treasury Note Dtd 02/15/94 5.87% Due 02/15/04

160,000 shares

160,695

168,250

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4i – Schedule of Assets

December 31, 2002

( a )

( b )

( c )

( d )

( e )

Identity of Issue, Borrower,

Lessor, or Similar Party

Description of Investment Including Maturity Date,

Rate of Interest, Collateral, Par, or Maturity Value

Cost

Current Value

United States

Treasury Note Dtd 02/15/96 5.62% Due 02/15/06

10,000 shares

10,234

11,075

United States

Treasury Note Dtd 02/16/93 6.25% Due 02/15/03

10,000 shares

9,863

10,059

United States

Treasury Note Dtd 02/16/99 4.75% Due 02/15/04

30,000 shares

29,611

31,172

United States

Treasury Note Dtd 04/30/01 4.00% Due 04/30/03

40,000 shares

39,906

40,375

United States

Treasury Note Dtd 05/15/02 4.37% Due 05/15/07

75,000 shares

74,667

80,531

United States

Treasury Note Dtd 05/15/95 6.50% Due 05/15/05

100,000 shares

109,344

111,000

United States

Treasury Note Dtd 05/15/98 5.62% Due 05/15/08

20,000 shares

20,291

22,694

United States

Treasury Note Dtd 05/15/99 5.25% Due 05/15/04

50,000 shares

48,914

52,672

United States

Treasury Note Dtd 06/30/98 5.37% Due 06/30/03

100,000 shares

99,696

102,063

United States

Treasury Note Dtd 07/31/01 3.87% Due 07/31/03

20,000 shares

20,038

20,306

United States

Treasury Note Dtd 08/15/95 6.50% Due 08/15/05

50,000 shares

49,398

55,922

United States

Treasury Note Dtd 08/15/97 6.12% Due 08/15/07

100,000 shares

102,766

115,000

United States

Treasury Note Dtd 08/16/93 5.75% Due 08/15/03

280,000 shares

276,686

287,787

United States

Treasury Note Dtd 08/16/99 6.00% Due 08/15/04

295,000 shares

293,517

316,756

United States

Treasury Note Dtd 10/01/01 2.75% Due 09/30/03

100,000 shares

100,109

101,156

United States

Treasury Note Dtd 10/15/96 6.50% Due 10/15/06

100,000 shares

99,344

114,875

United States

Treasury Note Dtd 10/31/01 2.75% Due 10/31/03

150,000 shares

150,000

151,875

United States

Treasury Note Dtd 11/15/94 7.87% Due 11/15/04

100,000 shares

100,313

111,656

United States

Treasury Note Dtd 11/15/95 5.87% Due 11/15/05

10,000 shares

10,086

11,091

United States

Treasury Note Dtd 01/31/02 3.00% Due 01/31/04

50,000 shares

49,984

50,938

United States

Treasury Note Dtd 02/15/02 4.87% Due 02/15/12

100,000 shares

100,109

108,594

United States

Treasury Note Dtd 08/15/02 3.25% Due 08/15/07

150,000 shares

152,836

153,704

United States

Treasury Note Dtd 11/15/01 3.50% Due 11/15/06

200,000 shares

199,953

208,126

United States

Treasury Note Dtd 11/15/02 4.00% Due 11/15/12

100,000 shares

99,224

101,403

Total US Government and Government Agency Obligations

3,344,573

3,527,020

Other Investments

Airlease Ltd

Depository Unit

4,643

252

Bank of America

Certificate of Deposit

200,000

Bank of Desoto

Certificate of Deposit

325,000

Bank of Texas

Certificate of Deposit

413,500

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 65–0906609 Plan No. 003

Scedule H, Line 4i – Schedule of Assets

December 31, 2002

(a)	(b)	(c)	(d)		(e)
	Identity of Issue, Borrower, Lessor, or Similar Party	Description of Investment Including Maturity Date, Rate of Interest, Collateral, Par, or Maturity Value	Cost		Current Value


	Bank One	Certificate of Deposit	$	100,000	$	100,000
	Beal Bank of Dallas	Certificate of Deposit		244,093		244,093
	Cadbury Schweppes	PFD Securities		10,000		10,188
	Capital One Federal Savings Bank	Certificate of Deposit		90,000		90,000
	Comerica Bank	Certificate of Deposit		100,000		100,000
	Compass Bank	Certificate of Deposit		230,000		230,000
	Crescent Real Estate Equities	Real Estate Investment Trust		55,950		55,240
	Equity Inns Inc	Real Estate Investment Trust		1,105		602
	Felcor Lodging Trust Inc	Real Estate Investment Trust		45,300		49,200
	First American Bank	Certificate of Deposit		10,000		10,000
	First Industrial Realty Trust	Real Estate Investment Trust		10,000		9,780
	Guaranty Federal Bank	Certificate of Deposit		199,000		199,000
	Healthcare Realty Trust	Real Estate Investment Trust		11,776		11,700
	Key Bank USA	Certificate of Deposit		90,000		90,000
	Mercantile Bank & Trust	Certificate of Deposit		185,000		185,000
	Mission Cap L P	Limited Partnership		25,850		18,720
	New Plan Excel Realty Trust Inc	Real Estate Investment Trust		44,281		38,180
	Park Cities Bank	Certificate of Deposit		35,000		35,000
	Post Pptys Inc	Real Estate Investment Trust		52,986		35,850
	Provident Bank	Certificate of Deposit		250,000		250,000
	Providian National Bank	Certificate of Deposit		98,000		98,000
	Security-Connecticut Life	Single Premium Deferred Annuity		83,424		83,424
	Suburban Propane Partners LP	Limited Partnership		2,049		2,836
	U S Restaurant Pptys Inc	Real Estate Investment Trust		49,787		38,016
	USAA Federal Savings Bank	Certificate of Deposit		17,828		17,828
	Vectra Bank	Certificate of Deposit		120,000		120,000
	Washington Real Estate Invt Trust	Real Estate Investment Trust		25,415		28,050
	Miscellaneous	Loans		13,578		13,578
*	Participant Loans	8.25% to 11.00%		—		19,822,419

	Total Other Investments			3,143,565		22,925,456

	Total		$	4,236,091,911	$	5,911,324,704

Investments with parties-in-interest as defined under ERISA.

Index to Financial Statements

The Bank of America 401(k) Plan

EIN 56-0906609 Plan No. 003

Schedule H, Line 4j – Schedule of Reportable Transactions

Year Ended December 31, 2002

(a)

(b)

(c)

(d)

(e)

(f)

(g)

(h)

(i)

Identity of

Party Involved

Description of Asset

Purchase

Price

Selling

Price

Lease
Rental

Expense
Incurred with
Transaction

Cost

of Asset

Current Value of
Asset on
Transaction Date

Net Gain

or (Loss)

Category (iii)—series of transactions in excess of 5% of Plan assets

Bank of America

Bank of America Corporation Common Stock

296,012,290

—

N/A

—

296,012,290

—

Bank of America

Bank of America Corporation Common Stock

—

300,752,124

N/A

—

129,786,407

300,752,124

170,965,717

There were no category (i) (ii) or (iv) reportable transactions.

Index to Financial Statements

Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the Bank of America Corporation Corporate Benefits Committee has duly caused this annual report to be signed on behalf of The Bank of America 401(k) Investment Plan by the undersigned hereunto duly authorized.

	THE BANK OF AMERICA 401(K) INVESTMENT PLAN

Date: 6/18/03	By:
		Kathy S. Dugan
		Vice President
		Benefits Delivery
		Bank of America Corporation

Index to Financial Statements

EXHIBIT INDEX

Exhibit No.

(99)		Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EX-10 3 dex10.htm CERTIFICATION Certification

Exhibit (99)

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report for the Bank of America 401(k) Plan (the Plan) on Form 11-K for the period ended December 31, 2002 as filed with the Securities and Exchange Commission on the date hereof (the Report), I, Kathy S. Dugan, as plan administrator for the Plan, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 that:

(1)

The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)

The information contained in the Report fairly presents, in all material respects, the net assets available for benefits and changes in net assets available for benefits of the Plan.

Kathy S. Dugan

Plan Administrator

June 16, 2003

GRAPHIC 4 g63610kathydugan.jpg GRAPHIC begin 644 g63610kathydugan.jpg M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$! M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$" M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,# M`P,#`P,#`P,#_\``$0@`.0"T`P$1``(1`0,1`?_$`&X``0`"`P`#`0`````` M```````("04&!P(#"@0!`0`````````````````````0``$$`P$```8!!`(! M!0````4#!`8'`0((`!$2$Q05"1J;R^[0*22:O1Z9S=+5=1Q#:A'1UVNVTWV3QI*D-\XQM_<) M:>!X'@>!X'@>!X'@B%8'+,L/R^1V%6W6?3=/2HY]5TW##)5$[&J=B1^U1;H? M+55N0V;A68;.S?799F*7$[;_`#J92605W^KJ&CZW?TQSH/M8-%;.K(6DJ MJ_Z+YFB2'^2KIF.:)[KZA-& M(3&)6#&`@6CLJBQ=@>CQT6YU^9N0$&!:[H>09K8Q_BHDIMKG MX9_K_3P;)X'@>!X'@>!X'@A1^QZPI)6'"G4LIA2[=I.G%122%P%XZSK]NRG] MFIHUK!7JV-TU4MM& MT-VF5D]@U'A#H@CT)4)A:2'$)3,*RFQ*OC,Q2#IQG>Q`.1`295K9SF) MZHM#A?1_0<'Y)2XHS7?,5/\`5HJ_E2+\PLCE9=J+077T15RG M\F0C7(`&O(G1\/G,-W;A.<^JIVG7UN0!NGLA'X'TO-%_GK*Z8@Q2^5E'D;H. MI*QB7M&^FB1:2D0I3&FCM0NX>A81X'@>!X'@>!X'@^:#]D7=4LZPD,*X:XN& MUY,9+*.Q*GK]Y(#QQO)W!Z3J9%6_74QBEZW]TA6Q.QJ]ZCC\8(0)J=C-6%PS2 M=\QB*T)2B9,ZTC-1.)Z.,@DA3[",F:E'S\@CDLT?/'@6)VK<]64@"822UYN# MA(@N:9QL*J674R\.R!\FX<-@@`4S2=%CI79FS7<[(-$%E4VK=9??&J**F^H; MM'9"!EP`'*XJ:%R.,280-D$1JR=Q2 MN&4U;-U-$3P+&\>E.[=FOC='0DBW=?#"S9#;`=PJ(HM+_P!@G9I3=!94=5=, M\DTT,>;;Z[M6IXAM>%RS,>WTQKC*#Q<+8\86<_U^*B>&WQ^.-=<8"=_@>!X' M@IXYWD$4H7]HG:%)L`QL7"ND-:=L^''57J+F'C^A6]SYL+6 M33RZU_+P*-NIT`5333VS]?&#$>;[:X^"FNW_`#HICXZ;!MO[!FVYO@OH66:9 M6'F*[J9QT)'5&[C=FY'3.@=A]\P]5!TJA\[=5K*H`T_RW3_MC.-]?AG./!)4 M3<=T%JS&V^YA">KIP6%UZ7,[QT7(BRJ#?=@-:E#R#AJSU763 M6>[LW64-%-&KC9(-SDLFC<,`E95,)`#BD8`LU2)R1R4LP!`0P]#&,K/BIP:SXH'GE:S.*6%!Y$BNX`3*#R(1+(J<0;.W` M]RL(D(%X_$DDFS]HJ@ILBMOC19+?3/PVUVQ@(4]-_LWY(Y.LB.U#9LR/D[', ME8*Q-1F`1(O,=JY'6.1?#HB?M`TQ32CD&;'OQ3QP-'/'FI\XV9.5!0]_A!3& MH6!>!X'@>"M$G%HI(OV7U5"H2!"QD%S;0-J]*V4.CHYF%'';@ZID[.FZLE19 M@'U9MBDN3A%5V3HX(/$U77T".NNNV<+;YU#)HIN%Q\&8 M)YW^GC;78(JG3(&F+`YRA$BM3:+5O%^D[7AP2 M'6Q6L97.V"*D,:W`J)MG\;%%(ZX#Y;?_``%DE&^0XO\`R.6M+]T\AL6I*EN* MQ6=7<&US'F*D@KZP*>BX*RYO9E^MX@WG)&V(S%%H_%7,9W/.]RK5@1=*H9SJ M/;/ULY;^#`0N^RG.7+DB,EN@$4NH/V4_M/F=4T_8HF)BBF[^4%>@`/-N"T>A MTA5)(-ZOK:H*:VT8N'VBOVHM)AA;"CUTGA8+?+X['J*A`'13\^[(%I#S9248 MNZ91<8P>J.'PNPR%A1^L(P+()-7+5>5S^5UL^',V6,;+ZJJM]]M/IK:;9#`< MT71F6<-8WI$H/7ENLB-?ABH&$2RO;);/F+YJ`:FI'*G3DS4UD`"L M=+*:/5-7+3`DGLDTR6U9H!,_P/!3H?K21WU$.^[RK!'&D^!].A+!Y1D:&&KO M)B?\65;7T%U1;+I[?1<1F;6U$9I"R6GS[87#$'R?]/K9^`6GU98D?MZLJZM> M)[JJ1>S8-$[`CF[C7Y'&P.8@6$A%?<)_^FXPQ(Z84U_OKO\`''_'@B]^PRJL M6YS&<$+U;K>HF&V)2MO2BC=A+&1?S'"Z=MZ%V3-JY;18MG\-,"\BB<:>:#0S MW&S,L4U;-%L?36VS@*?NGK:&TY^MSH^IHE.'4MXOO[GBPF_#?1"FI1\PJQ*6 M)9C^W&MLJFDOS,8)0M8@[901RMBU9':$@C=;ZR*J&W.=8 MLX_/JZ!R`QIN#YVC,^=RJ-`VJ+ATR`Y#J,UW&[[[E9<*_P#HCJYU?%+\=705 MGS5]5G1]O]>2F/D;+7$$(5RHQ<6L"J3G#JRU(JW`,-&=2\RP!J9?CG\@;(L0 MEGR&-[E'+5UA-^S#KW#-LU!PO+>J>5>6B2UYP6[K_#27] M?-$[#F'$E2D#@48>C,.DJJ9I./;TDI&J$1#\ZZ/6GS?/2PID3I>3=&V^.DBM.M1]OFV).,NQ@ADN)C) M]X$0Q)"GWRNR03*N3KFB:3_`B3\O2E=BS9LY6K.E:S3TL"Z;46;,U'N4H!74 M?6<&BK#1+3&7)9?#4$+3WPN0?-&V-EM0Y'_JW8/\0?RW^3__`$7_`"-_*O\` M`W^T,/\`0OXL_*_;?_5S\I]Q_I_^Y?Q;_P!/^U?/]K_('_O?NOPW_3X)JLXM M&1\B.2]A'0;*5R8>"$R23-!+!M(#XJ+[F%8T--&44-")1A'E)"_V8HKJ;IM- MGJ^4L:Y64^8.!MX-(#'8I2RR_P!QI%*_YQ"P2!)[L,ZM5Y#:MDFY#:CQ`GLG MC19=$;4<02RCKMG9+7;.VV-<*Z?,$9XW4O9=/:67S_3`*EF]/3^V+4LF$=%E M)U(1TVIP!?=CR"T[(!.J/1A!-M8$^ADKF1K:,D,2D>,?).&.Q!-#+1PD\#;Z M>@%W)ES*5*SLS;C&-#P,,DYXU*,!+F4-CY!8*YB$OBV[' M0H)8R=W(FNB3MWLW>J.?!OO.?,DBINV[[N683S$_FO1`:GW,[*X0>CVBBI0GU+ M-4ZVO..C@M9\ONX,N`GPRAHW3?03;H*(W.X$$4'$3D-AWY>,7%2N6C=HA-Q1:]+-IR]NM42=:;Q`I++*YK6RM2 MD&I4"TDTD!5Q0.%1<<4*A";DZ2RI&5-\/W"IU\LW"6_7\1.@6D'ZKKD26,6= MS`Y-R!]&X_C7M38:J.VB)-X0CXAK(P2&V=MMY7&1>FOPT46UW M"7,>/AI6`!RF.$6QB/24.-/@2[+?ZC,H&,,D2(LBT4SC7*C9\Q>S]+I MR'O0^KR./%HXZA@O1VON9P[V4:-?!E:R,=*5W58.C*;X@:U,U@U=,(Q7)VR+ M]K@M5XA\P&J,&.TG>P->96D?=(/D]7CY?`/*Q;=3=11RFX54VT#J'*G/5B4$ M*&1*:V3_`"/&H/3U)U76SEJJ8CB(MG!*_"QR>8)U^U4WB*KV234&J<:F=E'1 M;5J4R*VV3;#T=W03"\$)+8_7]SS:!&9R$6QE=-R^QW?WUB22EY%B)L['=JJ_ M5>N[/K4HPD=+6J1(9_\`*\DT9+O<9QKNFLFIKKO@->Y=_6?R7R5.2EJUI`]2 M-L%FA0?O8\F;QW4T*''DP^DA91<'$(]$('#\2-0$VW)+B@[-T0^EIHX54132 M33"3U@\^4);4DBDRM6D:ALR7P3*V81*K!K6&3.20W+E71=QF*G)&%)$X]]=9 M/7??[15'YM]<9S\J+_#7?;'_`#GP50&)`]E7[@ZJ>.';E")45&;8Y=A4 M,&N$,1X7)+"Y_JKIZ7SXL+U0TPQ,G(^B(!BMM=OA]H(?X3Q\-G&,!##R&.Q^7`B\7E@(-)XS(!SL0>CL MA&,C0(V)?H[MWPLN()(.1Y(<];J;:*H+)[IJ:9SKMKG&?AX.+4?R9R[S-^9S MSKSK25&;R/.,GUJFJ^&0!P9TU4U530)N(P&&+O6B"FN,I(J;;))9Q_AKKX)! M>!X'@>!X'@>!X(8Q:\;TNNQ5MJ0K^NQ_.40GKB)26Z[,DT@WD%H[Q4V]!6(W MHVN8P'^BJ"!&1;D8WDQPRT:OGZ"BK,<]8:I/'`:WRXCFB;?N?CE=;.D.`)-^ M@>:D%]]MMF5+6?("[>:UJPWRECZS.E+@;/46J?SYP.C4D`L]=<:(ZYR$\O`\ M#P/`\#P/`\$2ICQ=3,QZRJ3M!1.3Q^Z:G`R&,Y6C)W89%K'"EXM,(D#;VA&] MFSAI)W=?,+`.;@'FN6SQCN5<:9540WPCJ$M?`\#P/`\#P/`\#P/`\#P5@5!- M9EP@VD=$WI!9:7YX`R>:'N;+_J"OK!M04)JL](WLE&U!?45@P>6S6!3^L5#: MPYD?^P4BI\`U:+;O6A3#IEX-ZQ*FO1'4G,UGTFPE!&!5-&+N3LNU2$8/Q&+$ M8W9<7B[0%5@/,P&`2,P)G9F#$GW"PM!VT$:QG"3Q5!=V@DH%@O@>!X'@>!X' I@>!X'@>!X'@>!X'@>!X'@>!X'@>!X'@>!X'@>!X'@>!X'@>!X'@__]D_ ` end GRAPHIC 5 g63610logo.jpg GRAPHIC begin 644 g63610logo.jpg M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$! M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$" M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,# M`P,#`P,#`P,#_\``$0@`0P'T`P$1``(1`0,1`?_$`)D``0`"`@("`P`````` M```````)"@<(!@L!!`(#!0$!`````````````````````!````8"`0$'`@(% M`PT($P```@,$!08'`0@)`!$2$Q05%A<8"B$9(B,D)1HQ)EA!430U-BV5I!PYHX M*T@00J&E+"T+C8]F/WB(8-`FP\8#1$#>W?L$K4`+.RA;2%*O)8PIQ!R'5CS/ M[E?FGETNDLH2[K2F')9`]N+LDB41@=4(8O&4BU285'GSY&=R*7U.KK?2U23;"DA)TXDJ>'4Z`F!U*Y\-9%]2-;)'*6SLXYR,1[E MG;O/#4*O#J`O.`*1Y&%57 M\CGE[_V=>U7_`&JM>L_^!V=!X_(YY>_]G7M5_BM>_P#Q.@?D<\O?^SKVJ_JY M_P`%KW_4_'_O/QST%D;5.IY5]M]Q";'[EWVR-E:\FN[Z45-:R5G)E;4.?5E! M2CD)0WTY?B^4-11]&N+*/$<2$*/*Y\>G-Z621R=W1PD M3@Z*'M>_+G!6K>ESTK5C7JGA8Z'G&+E+HI7&".,4#,$:,T61Y%D6N4[!&;$<+6U@2282D@AA: M;!;Y.PK+*/CJ2?4R0)PJ?&?=*\XY1@RC=OF\LTL8BS"S M->-;@&%F`SD(P#`*I,"`,`L=F<9_'&>@F/X7/NL=G9-M!$]>^2R;QNPJMN^0 M(8;$KN;8!#H)*JBGTA4(&B)X?T\(;(W$G2LW-S,\%:I"J$H&D*-( MZ#&G)USN\]'&CN?;FI]@W15#LGB#BG?:YF@M=J\3)+#JF3@&XP>8H\F,:8HP MX]!WT3B$G`B4KRA6)@C'X&19#36N_N\>7>.3V&O\^E]/6/!V>2M#A,(".GH; M%O>4:3K"AO4=+DS$WE/$>4N;?XA9*U/D0TQV0&9`:$(BAAV<&I6S]6[H:W4] MM%3#B>XUQ<\+;9>PA6@**=6@Y1XB1[C#\00:>2ED43?DBIM<"@&&%@6)3,`& M,'=%D-BN@=!Z+HZ-K&V.+T\KT;4SM"!6Z.KHXJ24;>VMK>G,5KEZY6H&60E1 MHTI0C#3!B"```Y%G.,8ST'3L\_?*>?RF[T2&<0Q6Y%:W4JF<*JUU9UIN<`7Q MM&X]^3V>E.[3$PA9"&^MZ[FMO6#!ZJK:.N$N ML*R)9'X-"(LU``-QD,KE+JE96%G1X-&42$]P974CXI7X?5;.JM( MTI*G+&C+(7M4/;6\PH_Q5V#.@O$:>;6U+N[K546T5)O:=Y@%N1!MD:,DM60J M<(T\&%8)DD)D04^>ZDE$+?BE#:XDYQCN*DP^SM!D(LALMT#H'0.@=`Z!T#H' M0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z!T#H'0.@=` MZ!T#H'0.@=`Z!T'7S_>-1I M9?$3U2A*V6%6[\##;.8*ZB3FE]A3TRF#$E-'@P")R)3*_#&).$.0EL^XGT$@ M=3VC5/)/JBVJ3='^2E@07?!1$M:EO(KFT9LP()Q*88Y(A!&2P$S(IU-?FM'W M\`)%ZBC(`$AN#VA6SQG.,XSC.<9QG&<9QGLSC./QQG&44`.'PO`@I8]!=4^T)Y63J0O1TXV+A?C_`(LV,>U4FU^6KAC-2PJ]R&W( MWB(@-,,P%`R6TPM8<$@_$L#^@3@*!@QQ/'D.RDZ!T%/[[M?E9,U5UB;M$J^VD>7F6,O9EQ1+I`MY+(0;7>OC%)H1I[%'$:N67<\Y>YU M*UH`^$D)5NRC(DC.U)OQ"B8H\V%D-[>G#^BF0IBB@_@#'07V?LBY7?+C4&[T M1??65FML;G%5+:Z5N)ZLUG:K9>FJ7&66RQ9./`5@-+.&WF@K'E]AMVN,?J=]H&RJ( MF+*PS"II7,&Z6OOMR3MAZJ-3(E4F8HNJ)1KW5I*'`0QC MS-\[\`XB9#1T*%0T@V.G%L&K7"1,#!-R8"EKJ+'`HQWMS/36' M-UK,NBNF$`9W1H+D:+7RUMQK13["A0]P2HB,R"0Q36-YIZ+3EW1]P.$XG!:A M;%(_"4J1=T8@A[^I7*4W[Z4O>@M9*L;F7=G6^3?'EV:8;(6`JJMVK"QT4@4, MCLTRFPXA!;2\S$U&&9T]*?6QD7IUZE#E.:6D,\7!(1X:G3=?5$S9PD;\*+,3>] M.C[7U-3*''J90`+8=@]J4&IEJE,(PH*(\*WH,7\H/-9N+QB750E6S'0:H+>8 M=JYN_0B@IM!]O)*T%N3RV2F.1Y"Q6$U2?6)O+ADB5)9HT*C0D*W-`#"@X):H MW"<8LAL+NMR.;_\`'Q0RC:B_="J&GM%0L3$==1NOFZ$ED=BU@U2%W:XZD>$T M7LW5BKF:;(TS^])TQN$3F6;C)F#,@"3XAQ0>[?G)[=K[QYL7)UQ\U;15[:V( MJ&G=\6$RWE9<\JBVT33`AJ,2:,Q2/1FO)K$5TCAN6%Z)=BUSXC+$K;O"1#58 M,+,&&&N-#ETVDW&U/>^1?8BEM7]<=$X?'+N?I>_MMOVE+KP2HJ81K,ND@:H: M=52*$K(\>[-2U)W#'TIR&--GPDYF1EA&'/M.MW.3CD:I`O;[6^IM,:+UTL!Q MD/T\Q+8N06_.[ALB,Q28ND372>P76I5C9$*B*?%#(K+3)$Z63JTIQ.+L%:NY[]74[U7M16[_``]/*^DJ MY,WKY>VL[O&7A@$TJG5[3>E8Y2$W+K!X7VE<]PR!:]3\QL]54M[0S0NN3BQM+(B M-)&J5'+2/$$H++3@,_6F$AM<3RQ6QJUM;36H7*10D!H!?LNK"QZW;4419CY9 M^KUE3D!C8D5UK)CYU"J[L"J9@0YO*)*3EP1*T2DU:2+QBB,Y/Z"5':6Z%VN6 MM]YW\VQ!//U=,59-K.!"E%SU&"E0BTR@Q*%,I;U9!IO?( MS@02AG>/2RI%O% M)V.!UQ+89C9ALC,8G"V706#O;9*0/3T)<ZT5M&@2%J9$]B31C6RF5 MV(\EI5$E0IBFE([IU#PH(69(.)$64G-#[]MXOSY5'2;[/-?=A].-FI7$GB,V M`_5@U:GS&D+.E$1AS^WR.75G4C^[[#71"'-RF[$WGM?AO#60N-3J1X1+4R[P M!]!,K2]KQ:]ZAK"ZH0-8*(6Q`HG8<;"XIC$+F0SRYD1/B)(ZH#@A/;W9$2MP M2J3F8"80H`,L6,"#G'0:/\N/(2FXP=%;9VV#!!V5(XNHC,3@D--6#;6=SG,Y M>DT?CY\G84%)_+E"+,-":`(Z[$W[WVTX_+!M*^;4U< MVCKSD/NZF*,EM6TS2\KJZ45VZ7VQER&-S^AYFKN6Q?DB!0FXL]>1 ME,:4>E$KS@@+('0.@K<5QR@[3\J&X^P>L?&,^5?2&L&IRY-&KSWNLR`J;GD4 MOGRQP>F]NB>NM5YDT3A2I`X+HROP%Y>U2].8VD"6A3%^(B)6!SG8Z1BEC M:SW_`&)M#7>V^B\,M5%'MQ&J.:VL=-73%ZZM((H"CM9W#'99+6*75[3$E?D; MZN]$2LKFC1I1#4DKT@5)Z<-)>5+?/FBT#W#TFUWKBX]2[?B^_ML.%;UE(7G5 M&91!;63X=94*BB>/2,M+?DG22XAD8K):U&5Y)Z)0MR0ISE(1CP\C"7[;!!R9 M4GI3,K2@.X.N#[>-"5W=UMSQTE&G;XV5_<+-%&!5+HM#FB/-NQCJ[50J96ED M4)CG/SR(B4%D#*7>T7:V7D3,,N4FFY`W$,AOB)T>,C4?M'=)#$WW(/*YN3QJL M&O@=4V.`+6.7+C;`NV3J6QYD]BPRO:^LJL&<]+Z6],,\XJ2RC(\VS(,5#8L.3O< M/E9\57+4K5(3V+U8A08WGG@).,*R48+`YF=>M3#5Y+>F=,O.2` M\0H1*<)AN5Z0\GM='4C;6A6W=9L$"NB_M:->#:KF.O<"GS/%T=ZR])!`W4U6 M]EM93@&3 M6J37S#5A4J-4NRY8A,+@<:7.;*P@;6Q02CP$D\SQL)_%'GOC%T$<_,/)=TJ3 MU)NW;#4'9QEIYSULIB;6@_5A+:3@EGQ6STL,2FR1U+.D#]X$FB3P&/HSRDHD MPST@S@@P:1^EDP(:\<#]P[X[LZDTQOAM9MD@F#3;Z6S"&_7R$T75L'AS0DB= M@RNNVQX=9LB9S9XXR`:R*FK1`3JDB`)9I9.2C,@&88&2N;QWWAI34&Z]P=-M MQWRA7;6^I5\V=*B.IBBK(A%F$,KT6ND3D[/]D0B03&//::+J#`HPH%@40C$H M0F)AC.R8`,=<#\TWIVLU(H[>W;7=^36\5>48L%8DU]::-U\KNN(H!LL)ZAK& MY#E,/KEMLQZ?41$0//S^]4Z`67#)8TYG@!-&&/ON$[7WZTFU+M#?'4C=Z2U@ MVULXU`PN6OCQ2&O$[@:Y',)NW5\ZOS/*I=5SS8R21J725(%8BU+JH;PDI#0% MD@$:'(0]"F*WY8[>XWZLV]:>7B6-UX6)JW%-D441DFI6G)5'%O$EKY/9B&!/ M8TM2H9RWQKRBPEK6.Y;QY@GL,6@)[.ZE"$0_\53LM^2O]6_PM6_U>?5=]'/N M3R;E\/>?^*OEWY?]E>M^L>L>V?V#T7S_`)#U7]M[_E/W=T%JOE/W]A'&AI%< M6U8@RO+&O9))'$]S.3C>&`TFX^;:*-AQ)UK;,SHL[T]%#Z6B*A M.>_$#>1G)RFMWFBPPAE0&]_OISEV5>0B)2GY"%NV)\J&GG-EL1M?PB6,PPNN M],)['VBNN->V(HV>CO;#8=#-12*-.Q9CFYX0GE2I4S#[4H MMG>M$N0)I36Q6#Y$\H012*6/)&P,IE,-:6Y(!,:S,$B;E8']G(&02`@"E6A+ M"'TX80A6]8WQYC+TSR2..KBPR&/NC>^,+XSK5#<[,SRTJR5[6ZM;@D,*5H'% MN7)P'$'%#"84:`(@YQG&,]!W''`QRB-7*3HC#+&D3HB,V+J/#?56R[(03A&; M[]:V$FJ?)D00EEA9+382@.I0B`X2DN&5R(O^PQXP$F^SFQ%;ZEZ^7!LI;KH M%HKJEH&_3R3*.^6%2K3LZ00T3(UA,S@*A\DCH,AN;R/^Z4+E11>/Q'CH.DTW MKW+MC?\`VLN':^Y5N39=:LF-<$;*0><T]JA5*8\MRL*0$F2Z482FJ&ZO*V:#"ED M\L!Y$``RRD4;8L&#)`/(<+%PTZ0&?%4%XR$X'W+.[=9+K"J;B8T[&TL>F/': MTM\,/;8RL+6-LOOE`UG-2:&LC(U:Y2+' MAI49!IP\X``61Y=9Y/ M';P2BQC52*1*3AD`,R8)(@"G2A%DM.#L#=?H-:=T/^IYMA_4_P!&F]OQ_P#E M=*>@I2V5/$O")S!Z-;\OF5\2TTY+=3:NA^RQSK="2PA#B4OCN9VBR;D60V<^XB6 M.$UYM>!FG9\Z+4]&GVC5TA`VJDBP^.KI?(=DX4S2@!A)(!$.*Y:SQQD1F!S@ M0DQ"G&19``\61!=^Z"D%J4_R2&_>6;VQ"O@83PJ?TPJ%:3<@5A*;A$E4-0$V M"]K$?CX*4NF+)`F#G.`B-+&X'Y[,!$9GH.%\>LVVI@O/;SZ.^JE&U7>LJ(=9 M,O=H]:%VO],`)RT3)Q(JL39TG]?N(I#:S[LXQW)L;A<-CZ1N<'\K=1T,9$#PX*6E MI6NX'VD!-J1T=$;<\*VUN4K<``>H*2*C"2A"&$DT6,`$&"N7/:7D2VFWRKOA M+V9DFN_'KKIN/#6]J*M2)XE.R3);1+G-6J10Q*SSR4Q*DG)KE*V95KB+E-^& M]F)`H=S`JS#@*D)I86#[:TQJS2C@QV0TSK-:I65Y46@>S<73/\O$F"OD#FX5 M78DDE$LD.6["!(0MDLL>%C@<`G`"B1*.X#]`.,=!HA]O+3E?[$?;F5!0MVMX MSJLN:/[45?*TXGHI$>MB\XOJV8V<:U./;VLKIE0XYPBSV9,*6!+&'&19#C(1 ME,7$Q]QGQ")WN.\66U$V;U@1R1[>8M0=%Y6WFN*PTP_"<`C1!"$G/"_P`U]K[C[-6=HSR$:N-^L?(=4D(,-T[@S*XLZA[CYC)*U3S)XF\(L/:-X3E$N;BS/B`PQ:E$G"2`!P6>>@= M!3M^SF"$&M'("`!H#@`WJD@0'`P8$!H0P"*X":`)H"S0@,QCMQ@00BQC/XXQ MG\.@_1^]#S&2.-S7UX#'T05&<8=2$X""4X^ MU*(.?-`3Y'_('L"0[?R_)"BTLWH[9#)RG5H8WS`/5TZ^Z4;FVI51.3"P9E^2\] MG=[^0V.^Z3K>5ZG7=QV\TM*,^0SK6.YH[5UN'-J0`#I%"E3@NF$'12%44(H> M&):43)XVJ&;G],$D(([X?T,9":^`3J-;^\@]26_7\5G&`B1^XW,2I.3#[S&.W\`Y"2[F2X=Z M1Y>V:OF3YN`[$H\-34F,,6*&]X?DR`.,J5.#2"S!X"V'QF;U0[DCTGI/;Z& MQ\4-+LQH=4TI@ICD%X.@T\B3\YQ291CU0*1O$XHD;XT&FH5(TZ<:IO.(.$47 MDS(`A%?SB;*,5V6;0O!+%H%#I-:G)1'UBB5V-9>7E1"M?JCC+D]2'%G,L;CC M@S/,UM=`KK!V71I$)Q;6\AT:$XEHSTYPB!!`)JD=>G#WOI&]!]T4U0S:V6HE M'&.(G=[;XRW)WKI`*]DSVK:7>`11D89GA#2A]AF+D[:>[MB4MUCKH$+D]8ZY+I=9\6CY-5J;KE%F6>UP&12.#-MD0U MRD;LBB#+7!LT[VT>GSE'B'G:PZ5-2"4,I%7RM8LB2]V;*/*?&YL<$10DF5*(].X%%&9&`_!V`F!#7 M7[23_4NU'_\`&._O\H2[H.)7>QVOR$(>612S:(6UL-5^PT66Z,:T6U&[8UCB M,5!$-95LQ:'B5MB6U;@@\M0D(-R5\C=RUJ=L6)'1*R-H@",\'&.@]'[3S:25 MV!HM8VE%P^HM=\<>EQR6FI-%7\T0Y"QP-]>'QSB2!QP8,>0BB\L;))'@%`R( M"5,S$%X[`Y!VAM_:^AM2=:5',>R0OF M=!&ES,?ZIGD?_P#HNV)_R8R+H-/OMB/]1WI!_P"K[S__`"4N+H,J.T7%QI]7\_Y.MP8QKY:FD.O;>^4W4\.U4KU>EB8O5(?T%"L[(AB&&]'Y(/&]]!?YY,LA%@5I%U5(4DW-K@833[1))+*6!,_$KF98-G1`-$ M0%((05P8E]NGSRP*51J3RSFLA.<%=# M^%/YO_Z*\3_[/U&Z[?YSNWH+0?&]PL;T6!Q1[.<57*#6,=@]?9?`V1I?8Z.U M('9,HI^QU!BQS-2I$,.3'.13DN;4M=ZK,+ZB`"3UI4JA,-S9Y@!">6H-1@3,JWWHM": M#!"A4.-(E983,"#T%)U:M6.2Q6XN*M2O<%ZD]:N7+3S52Q:L5&C/4JU:D\8S ME"E0<,0S#!BR(8LYSG.ZR>Y&\P^`6$Q@/0NR!7AM="`.`,HE`S$@%701S<\^@O)/R!177# M3/3'0>-5;K-JA9N7B)V`][!Z_P`<@((4!P)K:42%B18P-4WE/"%8TIE?DCB@F)E0;1,NZ_).QPHB)3S MB+M>3;$(VD:#+Y6&RFJI^JLKD*4GRY4D)L^96G%;5AD4?#TYBL:-7!5;HVE# M`GP6L,[I@PUBT+XV=AM&#-O^1*T8G#]ON4K<61%R"8P&'SUMJZK8%#7B7MKA M\+5M8\T850T[/&FW!!ZYR6(A>H`84"(@G'@>;5!'EHAISS2Z@\G&[N_LFTEI M*=Q#=U=(E$AJ&-[>0=A>:^$NG:&5156O-59/! MX/AED]!F/:3BQY!]9N8!OY4.*2.U;*F6](RH2[?ZYV)9I5:Q^8OJH*!/+BO4 M3&Y6F&BG8V]`^$+B`J%+;+4!RPPDY.HRG&&$.8/37FOY0;+TKF\+TKI*AV73 MJ>N5JHXY*=O8+8A\YGBY^@;NE$J7L\,BV&MA:4L#`G``.!FJ,K3ABP#N%XZ# M>OE@XWMBN8W0%G5S"BHCJ3R!4%8IL[UU0D7DV6:WE%IQ,Q0A.0/#*W'FB+!DS(0XM-S>?VUN-RQ=.;8TDH.4[!6=0DNH-]V99= MT8W'&A6W2V)K8.XV&]UV&"*'',_4LJPPX\A$\EMJI>;E1@28K.400X;Q7\:^ M^E4<;5@\36Z5.UI$:D?6.US8AL[4^R:B03>(O\_=E4ZB*EDK-/`49Z.1UO9N M2W9(Z$OZ,H)P"!!3B&6888&QFD&S//#"J&8V/)HBTLN6TC8XQ$S21.KRV) MRUF&EI\D0UKE>`X&,99!`9QX'MD]ZM@J"V2CO(+)X/85Y:V;=6'KLHLNNFN, M(HM+BH7$8"[/J-.X09J8H2_KH9,)$X,ZI4W(TX2ST8DYX?J;AS*TJ&EV'[H->XY6=GN4@/;'HI$`30%.WY M5ISC1!7$"+#@85@^&3CVYK.(YBV#B2NE-)-BHE?4_;[1-;2]LK%JEQB4T)0J M6QW4(%PM:K!1.+4]M^4P!$#3DFE"2`S@X6,Y#T&\]E\7NW_()LQ3VR/)?)== M@U7JYZ_($EB2.;R@[*IZ+=F[PD=N7$?=BY<\%0UW`8Y1UAU_51R&DL\LAB14E*3NST/)RQZS@3U!#P6LQ)SE+81EV*)0!S@"T61Y"$/R^"_CAM3B^T98]>KELV*V5 M8#Y+%EFR3VC%_26R%.\BCD9:%<$!+%"]0ZV81&"HZ2E2O*I,W"\F44E)3%ID MY..@BTY1.*#F$Y#=Q=5=GF&2<>U1-VC\_43"B6`VS]BY,XRE6ALZ.3QJ>[(. M#1#6D0'NJ6",Q*ML;?$`F%A2$*U2$98BPW&W-UKY;Y?+-,]SM8D&KU8[]U_/ M'^A+VBK#8L[G6KD_T\GKF;)"`VD\3&"UK/7QLKZ6L:=RPE:&7+V@4.ZHQL.- M&'](,K[*1GFJVAHVP]7T51Z`:[%V[!7FL+&V11['7/=A+9$)LR"C<[[ M0W(V'U=W]T[O6.T/O+J`:UIH"JLIE<7VG[%BS/)7*5-\3F^&`E3(V$HER?W, MHY0F3.):YNH=4!19):E(>64K+#)?'/JKS3: M4U=2VMEG7]H;L31%4F16'H9&]1B]8[>#!3C&:F;<1)C>&@@6-XKMA].MN+PW!XJ[EVR4?E6 M=?)M.TQZ]4*PZVGM9`4S2G)2J5.ZX\T`6=\1&*7`[(B\I0IT9`9>LO6;DM6W[\@OC8->ZJ57-9L1IMOIR`35-C"!_R MU1MW>G%L$>F(7H`J3!8"/?D>X4N0/D/O?6.W%>WVK%`Q_2:4GR/6*#5M0-F. MR)A5)I?%I$Q.LSQ([8,:7AW0):]8B?#1(D"$!9!A02>YGOC"3_9FB.3C8#4] MYH)KO?2J`3^V8;:5:7?92&A;E>&@RL2Y<6=PRD7J#C@9[1!P`)-^/K4KIJ"SMG%DJ67+5"S5JT1T5*?=2\EZ$7 MF-I;]2RY&>Q2%,!P0K"WO"_"G)H33S252HHX-U.//CVY+M/]D+^M>V]WM>;Y MK7;*Z'"\;X@V-/$'H9)H-B-.ZT M>6Z-6)")3WL-SPK2.)($*PTH]*I`0F*`$Y\28#(K%8U&#I!(98='&!G8C93+ M5B5PE4D-:6].@,?I*O0H6M"M?W<9&5"PTE,G*,4&#$`HL.<`P$!:R4W;5>OM?7*2Y:XK+BL.4M;^I*+<4L8F`[KKUHAS4XL`36]62 M)G<%!Q2@P0%!6>[C`:'Z>\4W*#H-JG"5N#2AD*?9\#4:S'2IV6*@#VQ&LF&GXDR,GHA+ M`<0G"):6B,2IS_``&R^K'%/R6:.:8(-0]:>5>O$[3"4T@S5D@L31-BDSO"V5UZ&NNL>S MO(BOC+_L?8X=D-UO;%*1RT);;-_G.K6X(<.]W229,+V[0:%HXNR$-C:D:VU. M2:W=X/:2()0`G$XY=-+ST7IF,:]3[;;.S=3UA"8U`J:1O-&QZL)C!HY&2S$2 M%K=I9'9J_$S1O2M`2$J7"A`0J(+(QD:@[M[`A(IT#H'0.@=!UM7W0?.QHG(K7N,C!>'V''R*..2)?B!5>=CR!B(`RP MK7X*P:C!Q:9%D`4\3+VN\XPPTVY+5---&,TTPRPY<,PPPP61F&&#$[Y$,9@Q M9R+.<]N4S>7;D[QQ]74>B]3SE^>'U!'H6Y""^,]@.K$[NBE-E`_',A4 MI7GG%9_?Q&8/.<_P`O03K?;X\8#=R#;>_(-X-Z9MTFU*0@ MNC9F6R7L00IV0QT![U':M='E4(E`2FEAS6:K>>^8#!$:;W`>1E&"(R(,0,J5:'6ZIR#:HU=B!K<0S%,]8LIX0GR90U)\Y`G>K#>23'0[`^ MTY,C&D0YSW$1>,!@3BFX]YOR;[NU#JO%ANC1&7]Q-DUP3EM1868KNGXQX:Z: MR@S)N/*%.!Z<1;8U8/S@H]Y<$A(OP,ST'=3UE6\(IRNH-4]:QUMB-?5M$V"$ M0N,,Z8I&V,,9C+8F:&9K1IR0`++)2($@`_ACM%G&QC`LA[<=[`W&!=F>SM_E[.@ M^H*E,)28C"H($K)))4')0FEY4E)U`SBTYYA&!>*`D\Q,8$`LXP$62Q8QG.0Y M[`^_H/`@X&$0<]O8(.0Y[!9#GLSCLSV"#G`@Y[,_RXSC..@Q?3%55#2-;1RK M:)AD.KZKX>%Q;8]$H(@0MT=:CO55Q[X$LA!VEF.BE_.5&N!QHAJCUPSC#Q". M$,60RCT#H'0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z M!T#H'0.@=!A/9%CN^3T+;<:ULD\-A%\2&"O['5DSL$AY4Q"(RYV1C0-\G=TS M`2H=E'H'F!*B`%%F8$I*+P,(B\CQD.O0N=77L.&I5K5RM3#3%"I6K4&",-,,$(8QBR(6G_!);O_TOM5/^ M#[=_YE=`_@DMW_Z7VJG_``?;G_,KH,]:P?956W';\K"1;6;.4O,M?X])D;[9 M$*JQ#8),TFS0TB\\5#D*Z0QYG;FANDJPDM(O68.\RF0F&B3AR?X8@A+ORZ?; MABI&H:LKF/5715",>NSG)H_6L4:B"SG@\"[-Y1QI5/DD=_Q M//1M3<`+S';^/9CZA\=N>S M_=Z"Q1,>#*!Q7B2DW%=IW<:K6-OL8,<%;]YBA2F>RJV5HUC"HM1PE+4.;QI6 M49:*1B`@-((=,)6]HSAO*+$DQX>0KK_P-KK_`+2AO_\`M04__L-T%D/A.X/Z MFXMWW$[(!3FX%T-3P:XK30C'W2R$Y903D]`Z!T$$/-!+)X]6IQ::HXGDOK377<3=$JLMEWZ$.<@B MKU-HQ&88MFL1H8^=1A2B?(TQW8^-AK:O+1*$JQ9&8'>+FHL**I(`_O4<4-TI41XRI%\C5'N4@9 M$`CT[$Z+LJDKDIRWDX#%^PW*CR'ZH:6[+[<6MIE1SO%ZGE]1?$3\;;%@5"MM MVKK0E,?@3G-3:*EL#EUJ0DV%3F5MJ,M/(E+"L>42@Q;Y1OR24E5A^E(=D.5Y MOY(-`:"MINU"K6*VVQ[G6$Y1.JIE=$U9YG"Z=25^VM)9.UPPM MJK5-+JL<(_0T=DK/#:D<7S6Y?*6XT;NTKVHA8O9%0D>XD2E$Z?)Q"V\RML69`($ZD"62 MUUB3:2\"R^J`LC4:67DA1D)'IER1;T5HHULHFT*+U\@VS>X6WBBDZ1<'B3R7 M$8:M>4D-D$W4W_;-*-,F>YI"9<8X+@FX4N+<).,D8<)X#H[) M(99?,A"I1B/DND6Y,)BVG(8@^S%_B",>*MK\><1Q1/7%VE")O/!D`_)*5*C* M`6?M1L%K*Q7,B9R-R=$;BN<6LAO=#,H<8`O+-/-$$.15!O'R"<9.HV^FLMV MLU)[*VQQ*ZO:WV&P6U(+4M%9F](K>;W,'%#+#\:N[QO6@=MN=G9+6-MU_C[+"-8M"]VK'KNYU$Y>B9:ZKM9 M9Y:,SAT-=FRPHQBM2Y.@)>!^OJ4KJW)G?*4'IHP&*1@##<&OM:.RN??+'S^5UU*(D=:VNMJ6U/U[-.65C>GN+62+M4)P!29-/ M&8446,P`5=-2]X)=PDZR\I>I-D0&P9+*M(GF(;,ZF0N[Y!$4TLG5#;>V%&(, MG?)4[UI+;)CI<+K:_92I<)(K;5JDXE.[&!'W%6!A+"6:YM]=SM=KDURU^LQZ MTK=A;JWU5]8ZX['19%8**(,\+?L94;KT""9)T+ M^%Q"J5C3C2B2JPXT7O)R*.NT<N*IYYI[>C(\@<2O*%B$:4;T&E5.\^FWMVU#L M;:;=1NN%;"K;B::^1>N&2>.=G"(7OS99$P@@N#1A9'GXFN'57%B$"0 MDQ;YYL"[!IW'-><6Q4G%;5/)96F);73[7<;R=+D4ID,OK M8<:C=_V3(Y=$541CP5<2<7$^)R!4,\H;DUD)SRS,!\+MY-N0T5*[P05\M'65 MLFC#PKU)R-UM/Z:J.5D*(.[6(6_,<[KXU#+[BER=Z4+$+=E6SOA@"`MXU:92 M)`H*QY<8?99_)3OUJW2VMU[+\&J_#2`[B,T+0U`VVP7[15,7G%56%L M9N2JJ_M*/K`H'%K"J9I]%&J4MJ@#<[DIW1"`U(Z`%@I0`)P,9[!XP+&>@RYT M#H'0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z!T#H'0. M@=`Z!T#H'01=8^*O@;^_)]27= M_N"]M_O;U[PO`_2Z"+O:WX*]$V']G_2SY+Z"I;[M_.6_,;]S^W/?%4^5]K?. MO\X/IY]/[_N/V3_.OWQ[;\Q^V^%T$7,I^DG\N6\_*?0?\?\`QIJ3ZG]0?YV_ MC^Y?F`/IWOGUK_2;^A_RO>^.O2/YI>]?*>>_:/#Z"87D_P#@CU+CE]\_3[Z# M\#[8^P/EC\Q[ZA/%^`XEX/MGZ=/[Y/TR^2[GS1\F?J/:W@>+^U>+T$1:+Z6/ MBY_[WY5?<_,ZB/;Z7^)Z01WO6O"_7_F6=G;Z)W?U7EO#[OX]G09@V"^ MGOO\P/IGY17;XM'>Z?K'_,_[?0?_IA@?IGY:GQ#]7VF?C^[?S/OK4\Y\?RCQ?B7W?_`*8[OP; MY?\`8/:7J'A_J>_T$C_#'\2?//(E\<_25ZA\X'^K?33];?R#Y/U9^\A]87U4 M_P`V?JA[>][@]$_;_,^+YS\/#Z#!>OWPE^?->'I/T+_(?;+_`!?:'Y@_UW^K M>E9]9^7_`'K_`*+WQAX/B^D^%^Y?[#]+_6^7Z#"W,'\3_5%M=[M_)C]?^F6E MO._6[]:ON[VOZI)/-?/WPE_>S\#M[WQSZ?\`SP\SX_E_]YT&NDO^$O1[M\S^ M1'X/TVZJ^U_4/S!N[YWTNIO3OS`?2OV_Z.^[X7LGWC^[_!]-\]^EX_09LV/^ M&?J%Y4_6OR=?5_IA@?NCWC]>WN_R_LR(_P#6_P#8/\Q_@#N=WT'V?^U>E^6_ MW_B=!K-8OPMZYJ/ZA_#T]OT<07V-YOZ_O6?-^[%G]O/;/Z'T'^<_M%\B_L79 MXO\`Y+V]!.ORU^T/,Z`>ZORZ.WY]C7I_UH?./B^)ZG`O$^CWX:_0^;O%\+T; MU3]5_8_<_5^8Z"+#DH]@_F"WCYG^'3]<^/D7C?F#?4O]3OFO;C?WOEOTG^]W M\,^5_L;P/V/O>%V?M'0:QMGP_P#ELV'Z7_#9^Q/D'7WU7WO]='QGXWMZV/,^ M3]X?Z1_NKO=OQ=Z+^H]*];\#]'LZ#:J??&WTP:U>L_D#^V?([Q^A^@?5AZ=X MWDHOY+VE["_ON>V_&[OU$^XOU'IOE_-?JN_T'*-X/;'N+6CU#^&S\]^6'$_+ M?5-\O^G>D^6D_G/@KVS_`#>^A;P.][2\W^^_,>8\K^M[G01_1+XN\A:WE?X4 MWN_26@\SY;ZQ?!\+W)77B>]?5_UWTN^+W/(>4_7>9]/\/]7XO0;=W;[-]G:+ M=W^&6[_T.,/MSYT^>?8?A?))^H^C#PN]Z#[J_7^[O->#^L[O0:/&^ MQ_:M<]W^#)\M\-V=Y+S?U#^7],\^\^I>E^)^]O0?%[?']0_>_=\?R/ZOLZ"5 M"DO1OFU)W/X:CQ?RR';N_#GOWY<\E\#K>]X7C_LGY>_<[?,=[]O]D=[L_2[. M@T!(^-_8E.=_^%8\I\8[/+_`+Z^&O.]GK/N#]E]'].\ M']E[>@N^UK_@Z@/]Q7]Q45_P:_X.O[1(/[@?_8K_`-%?^8^%T'->@=`Z!T#H ;'0.@=`Z!T#H'0.@=`Z!T#H'0.@=`Z!T#H/_9 ` end GRAPHIC 6 g63610mdcsig.jpg GRAPHIC begin 644 g63610mdcsig.jpg M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$! M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$" M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,# M`P,#`P,#`P,#_\``$0@`)@#Z`P$1``(1`0,1`?_$`'L```("`P$!`0`````` M```````(!PD%!@H$`@,!`0`````````````````````0```&`@`&`0(#`PD) M``````(#!`4&!P$(`!$2$Q0)%2$6(A<8(R09,4$R8C,T-E\T:4LL9M9 M(-:2((GFM(I7E=.+8^S=V8#$TB/.D+8V(US?DMP&,,;.-*Y+II%'2[O7W*+D MQ**_1"DTRU9LB[+6N^I]F(JSE&+)9$TB2Z)I-WJM+O>VLLTV/2AB<&\)SZ`@ MIZ(<$!QX`A9;5MDQ&Y*TKZW(`XB=X/9\*C$_B#F,DQ,:NC4O943^RJ3TIN,' M(U)C>O+R82/&#"3.8!8P(.<G5JFCO M86QQ%K.4,^VHX-UCT?CM,QYE?IO*9\^"5)4T88$Y\H:&U*9G!YRIT=4Q("LA MR886$^\`<`<`HA.W%DXP$)>`A"S#@$4 M];36BCVH<-B+2,8X_`K,V8KB)X,$2+),+KC9ZXX-"T8!$"$6(E!%8^C(!G&? MJ`O&<_7/`/7P!P!P$2-<;N))=8'&FR,U,*O0H)?#+&:75T,D M$L*L]+)[2A%QN* M-4?.:\AEA0.*K/.4A0H(_:#K7SQ,`#;`C\0]@FYCM7U'"23R%5.$"$X_D<)K0)<&8P/`N`?3@#@(?O6T MWNF*W?+$8Z?LN\3(Z0H<7*#5)F"#FYC(WH%SH[.C2AL&;P%H>3D21#D)2!,M M&XK5!I92<@P0L]((W_&,T,_S0>?]`_\`$F_P7(?],/\`W+^Z?X^_]=_ZG_4X M#+V$S^UVM;1GKM1TAU#VBI28O:Z1Q"$["N<]UPM2E\*RDY88`U6#4%:6U$+6 M@:(TD9J%4Z,#1($N#A%*ECER"<$-;MBN%/=*+4.$SVNV0L M\@)>"@Y4*DS-%]4:Z,.P(W.<%E#7E9Y8_$+Z\\`DN],J]@U+T:HL/;'>B*5^ M9,G]GJ6G]5?6A1@X5=^RUSSHY2U5_3T&O[865W/,8^]2UR&#*QRC\;9U;,V$ M*EP%1/8[F`19T],=1>O'TQ;>VM<$>8;/]BMDUQBUYSL#(%YDQFV5+7-U<&\I+&64#NSMY92;"E>K<'M*640('=,*#ZMK:& M$5)?&K6NSBUO3]8FUDCL]KAZ-D&U9*C4:O#&[R=HB!SPW%2=TC3`N9VQ]D# M2Q^&Q",MJIYDD MJE3RW1Z-Q]H0EY.6NKV^.ZE&UM3:C)#D9IYYI918<G/)'@8!@SD(@YQG&X_L M"38K,I[8/';6]GPK6'D)`#.`%M%PV8QTO4=HW%)PFYCE4UU-;)D!9.08/$RP M>-.4G="R-8A&L= M4-**57E;]U6,>1.K:*B<9&I8V])&XK+YDX+7N1/"AK9&I$6(Y8K+,&`!@6YB M-```!G""1@8B@8P:,`>1IPPEEE9%@609,&:/`<8QG/4+/+'/GC@#NE8-P3DP MOO"+$:$KK#W7+&!F>F:1-J5ZC[LV/K.N M",:)V9EZ5S;5@"C3"#!I5R(T]*H"6>4(`L@'G&!ASC/UQG@(2V&VGU[U08(7 M*-B;5C%4L-B63#ZAA;A)CE002"PYXXA;(U'D92%*L4!RI/ZC%"HP`$2!*68I M5'$IRQF!"?`FE#&84$PL1A71W2PC#D97.`_3@*E/ M8W[*5FHD_IW7"MFVE6R^]@HU,Y;#;0V\MUJU\U$KF,0-(/?ZX-=+C)*=MS-J-OD^X%\WBTJ,11[IY MZG43U$JRFGT-4HY09"I`VF.;&%8*;.35]S.Q1@`&*,EX&-0#D[7;0 MP/4>HEMHS5`_2AT<7UC@-6U="T@'2Q;JM^9J1-M?U'7#*(9>'27S%VQVP9&( MM*@2%J%RPTA$E4GE`G^M6H=S-TEDN]VVV8Q<'L"D%?RAJJRO"WT:*CM1H:_I MXE)U3NXITJ.:6,8@/>Y*:5G(0EMA)"'@(IKD$1]2NIVQF]_L" MGTF>P<[LR<>TSV*LOP^UU_KSGBFZ)4J52U#J;2![>N;*\A" MI,KP$".P6Z&/*E.:0$`1M.75T,-Z7-Y=@`"_0(PCQG(!!'C`A`SD.<"Q@0!9 M`,.0KL.CN?SZ&YA;5RXWD2F,%@*F_X!#+_FSC_X M=?PF/[%;_CK_`#P_L/[C_P`'_3_J\!T>U&$K1'(M&FU2\/KVY*.0LE(FUL1F'&9QC(ND&>6,YY8X"EW1KV#;# M"]M5_L+FW58U(7R&^K2DY8VGH55;4@\E_'2K;"5,"W.,H;CV8+(ZVS)A(%#+ M"\)B`F&Y5B&`(Q]]49ENWJW1/U0P7#R`C=_84B<;".K.%26".:CZP',$ZMM> MN<"LED-QZV0/C"6W",,#@]Q**(#S&:'&09[V[0>(Q/UZPZN(BA10QCB^S_K7 MA58MS24%,BB@63>'6IBB:!G+Z#A)$S*TIL$DX!^(!1>,8SRY\PJ1]N]-"QH29=(US$FJKF M]Z(*&N+<'=V:6_`EKO@(08K<_6_=F!371[=V6)K#5Z_8\KD[ M32VE1,*FD@?]::8@$_Z4!M;TR-O(#7ML(W MLU!;GT;]K=M1"]*]M\S:1DJB1TK3D+<]DAZ]:!3"NK$EXZ&F$OC M;[&'QE:X9'8T^L1L=@XW9P4FS0[YUQ-PG0-!00O1]?\`9DS:=:8-M-L*@L:@ M]5M)]'HW5400VW%I%7LVLK%;5E#'/83::;5HZ$II''X@(%:DM4#;G-(6[GH" MW5R&G++=4)80NE@LR9+%A$.L&-"7BCDZBL>F3`)U;%[(Z"9).T(WMJ$Y,SJG M2.C0ORA7%]Y*I*+4)S.99@`C#G&`Y&-PKLW`V']AK?O]K%J\YR'7OU<3NY-5 M(+:;76;E:DSMNW'XAI8-@7F4U#'FDVX9=K5$E3:MAZ%\K_#C(XN^JCWXEO>T M6'-J*!C9+NY[$O;!2+OKW0GK`L77M!)IQ`&^Y[HV[ES[7.NSC4#;)T$CF,:@ MQ[I`H1>=I%6(C8!L+B4W1!-E*TKE.#C4IYR8>`4\G1SV<1K82N=I]L]7SKR< MHQN2PVKM_:5%6I#;%O[8*"U:JF_\`:+2EXL;0;=N$Z/U#*Y3L8LCL-;:ZL*T+PO\` MKDIA_3Q&;AK6N;$807MG#/6S. MPEV:UZD_DI*9OH&'7W5R?VG>]5$XI.-OT\DD]O8Z4Q^&2"7$IMNK1(ZQV(2TT:_;02NQ9I*P=G'`OC15L1C=CN5 M?(W=SE[=.5KE89ZY"E93#4B=`@1AVK:WT8YT?$Y"7,;(?KDM:QY,9"+&>`V3&,8QC&,8QC&,8QC&.6,8Q],8QC'TQC&.`J5K*/)=N_9A==ZRH M(W>KO7)E!K%KTPJ3C\M"?:"QJ]9;$V;N3#9D11!S_'ZOL2*PAG5FA-RD+-?\ M$]'E9&,+(;?N.JJ`KF56]=EA1*K:RA+8<[RJ;S9Z1,,?9T)`,)1(!FC"#(L9_ M%%&>X[*I:T:]@T^VALF`.8D1GW4E:9.)Q@K6ZYP-NC!>'<24!IXC,!N'M9]N M4%A4+3@RL7*$0\"&2&M>H[=6M-,O7A#-5<++=O/V/G69L()=HPXHYI M*[YA5RR^YI>M30BTGU1&A_E]5["-S2+WVQ)$,AC.2G+7-G[ M"ZU[];7[Z;W:6>Q![57)`D^OJ'8R$4Y.+TA#JIKZZYVJLF6IZ=CJ4=TT?23H MXMD<:J[84$77IRHPR@<%JI6J<#EQ@7^X]LU2RE(,%&ZP>PB_Y#E<2TE1^):0 MWQ6:`WZA*`N>S;;9 M=Q-TT3`RVE&VM\:M==:8PZH)?!-2X]+41;;*7==."$:8NT-C)VS`PB?)(G`0 MTM#688S,A>4QKBY/`6(\`<`LVXWZ7OTU6G^M'[+_`$O_`!;/^;WYC>7]A_`_ M=#%\?]W>)^+X#[B\+R>[^Z]OGY/[OW>`8IJ^+^+;?A/`^%\!'\1\5X_Q?Q?C ME^!\;XG[IX'B='9[7[/M\NGZUS_`&O9 M[G:Z^7X>KIY_7EP"7[P1VB9#&M=1;"V!(8%#6#/VB^QV.CL]GHQVNSV_P`':Z.73T_3E_)P'T#HY9[?1T]0^?1RY=?5 MGKY]/TZNOGS_`)^?`??`'`'`'`'`'`'`'`06ZQJ]ENQ<0E"&R(TSZUL=5RIN MD%7)(J6JG$UN5XD+-F/R1UF*XA46T06(0]$L`2A0>*J6.B[!B@TPDDLK(3IP M%+GZ>I%8FT&Y4L]>7L)F>N$C5VE%F3<^KG#6>+W?5*38DNEZXPWR^NWFS6>) M)66S#Z='&/G0,SU(&+)H4N7!`6M[@!`FNU]8^GNML`8/;UL;LSL)(!N$"5,D MZWJC6P\9J@+D18D;&4@I5IKJF:GU>3>?),)0R4,=1*W8N+9.P]JO@L*C,A:S MN?\`PK?R,JK]>?Z*/T[^?'?R0_4/^47Y9>5\0D^W_P`JON[_`))XOVQVN7Q' M[O\`#_VG[GU<`RC1^ECR:,^`_3_YGVZM_31\1^77D_:7Q"#Y'\C/"_:_;OP/ MB][X#]V\3M=7[/HX"=R_#\I1VO&\WH)\KM]KRNWR'X_D=/[7HY=71U?3^7E_ +/P'IX`X`X`X#_]D_ ` end -----END PRIVACY-ENHANCED MESSAGE-----