BANK OF AMERICA
Bank of America Credit Card Offers
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Bank of America Corporation Bank of America Corporation operates through its banking and non-banking subsidiaries as a provider of financial services and products throughout the United States and in selected international markets. As of December 31, 2003, the Company operated its banking activities primarily under two charters: Bank of America, National Association and Bank of America, N.A. (USA). Bank of America manages its operations through four business segments: Consumer and Commercial Banking, Asset Management, Global Corporate and Investment Banking and Equity Investments. On October 27, 2003, the Company and FleetBoston Financial Corporation, a diversified financial services company, signed an agreement and plan of merger. The merger closed in April 2004. |

Bank of America Credit Card Offers
