Higher Standards: A Commitment to Our Communities

Higher Standards:
A Commitment to Our Communities

“Our company is founded on an important idea:
that people are at their best when they are striving
to exceed accomplishments of the past.”
—Kenneth D. Lewis
Chairman and Chief Executive Officer

The pursuit of h
Bank of America has always been about higher
standards. Throughout our history, we have sought
opportunities to touch the communities in which we do
business, helping them grow and prosper. We
understand the important stake we have in these
neighborhoods. The success of our bank and that of our
The ideas of continuous growth and exceeding past accomplishments—both as
good bankers and good neighbors—reflect our core values and the culture of
our company. From our earliest institutional foundations in 1815, and
throughout our own development that now touches three centuries, the goal of
higher standards has defined all that Bank of America is. It is apparent in the
work of our associates and the contributions they make to the bank’s success.
Higher standards are what our customers demand daily in the products and
services we provide. Higher standards are crucial to achieving the aspirations
of people in neighborhoods and communities wherever Bank of America
provides service. Higher standards define the ways we work and invest in
our communities.
Our commitment to this ideal continues today. Our pursuit of the best in all that
we do is the essence of who we are as a company. Sustaining the public’s trust
requires nothing less.
Touchpoints for Our Communities
It takes more than a recognizable name in a community to make a
difference. Our customers, clients and neighbors tell us that
genuine community involvement and a charitable culture
distinguish a company and inspire loyalty and admiration. At Bank
of America, we strive for that level of trust and admiration by
working with the communities we touch to build lasting
relationships and accomplish new levels of achievement.
In 2002, we created new community touchpoints by bringing
programs, products, services and other resources to the people
and places we serve through the following five Bank of America
initiatives:

igher standards
communities are tied together, just as our financial
goals are fused with our commitment to ethical means.
It is the spirit of these communities that has enabled
Bank of America to become one of the country’s
strongest, most successful corporations.
Community
Development
Banking,
through investments
and lending, focuses
on revitalizing the
economic strength
necessary for
livable, sustainable
neighborhoods.
Higher standards are
driving the delivery of
a 10-year, $350
billion commitment to
community lending
that Bank of America
initiated in 1998.
Bank of
America
Foundation
supports programs in
student achievement,
financial education,
affordable housing
and economic
development. The
Foundation focuses
resources on
strengthening
families and
communities,
encouraging
recipients to create
their own higher
standards.
Environmental
Initiatives
by Bank of America
are designed to
promote higher
standards of
environmental
protection that are
compatible with
economic
development and
community growth.
Team Bank of
America
is a worldwide
organization through
which associates
and retirees
volunteer their time
and talent to help
local civic
enterprises achieve
higher standards.
The volunteers
benefit by
developing new
skills and building
relationships within
the Bank of America
community.
Sponsorships
of sporting, cultural
and other kinds of
activities, such as
strengthening the
U.S. Olympic Team,
help promote
higher standards
and bring benefits
to communities
across the country.
The bank actively
seeks local
involvement,
leadership and
guidance in
sponsoring events
that enrich the lives
of people, and
provides support for
the organizations
that serve them.
In each of these ways and more, Bank of America is at work in its communities, striving for higher achievements and tangible,
local results. Perhaps our highest standard is our own mission: to build stronger, more vital communities—for the benefit of
individuals, organizations, economies and, ultimately, of our enterprise. As our neighborhoods become more vibrant, successful
and sound, so too will Bank of America. Our success depends on our commitment to the people who live in the places where we
live, work and invest. Our communities are our future.
Higher Standards: A Commitment to Our Communities
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Higher Standards: A Commitment to Our Communities
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Community Development Banking
Bank of America Community Development Banking is in the business of
building strong neighborhoods. We recognize that serving vital and growing
communities is more than a civic duty. It is also a business opportunity.
Revitalization of endangered communities is a strong foundation on which
“...At the end of 2002, Bank
of America had fulfilled
more than $163 billion of
that commitment in the areas
of economic development,
small business financing and
services, affordable housing
loans and investments, and
consumer lending.”
The Community Development Banking tradition of helping communities prosper
dates back decades. But it was a 10-year pledge by Bank of America in 1998 to
devote $350 billion to community development loans and investments that exceeded
all previous standards in our industry. At the end of 2002, Bank of America had
fulfilled more than $163 billion of that commitment in the areas of economic
development, small business financing and services, affordable housing loans and
investments, and consumer lending. The bank has forged strategic alliances with
hundreds of national and local nonprofit organizations.
In recognition of its work, Bank of America received an “outstanding” rating in 2003
from federal regulators who monitor the bank’s compliance with the Community
Reinvestment Act.
We understand that long-term, sustainable solutions require close attention to the
needs and dreams of low- and moderate-income individuals, families and
communities. As we continue working to fulfill our pledge, we will continue to
pursue new community initiatives and partnerships that are raising standards for our
neighborhoods and customers.
Culture
Performing Arts Center
By leveraging federal historic tax credits, Bank of America committed up to $9 million in equity
investment to the Hippodrome Performing Arts Center in Baltimore, Maryland. The bank committed
another $5 million in financing to bridge contributions to the theatre. The Baltimore Center for the
Performing Arts and its partners, the Maryland Stadium Authority and Clear Channel Entertainment,
celebrated the opening of the Hippodrome in October 2002 with an event that featured performances by
“42nd Street” cast members and the Baltimore School for the Arts Jazz Ensemble. Dignitaries hailed the
partnerships that made possible the restoration of the 2,250-seat theater that serves as a cornerstone of
Baltimore’s $700 million Westside urban redevelopment. Through adaptive reuse of the Hippodrome’s
existing infrastructures, three historic landmark buildings will be restored to their former splendor and
grace, enhancing the cultural vitality of this community.

San Francisco s historic Ferry Building is one of the city s
most identifiable landmarks and a symbol of the waterfront.
It was placed on the National Register of Historic Places in
1977, enabling historic tax credits which supported Bank of
America s $27.7 million equity investment in the site s
acquisition, restoration and adaptive reuse. With renovation
completed in 2002, the property won five industry awards
for its redevelopment.
business, government, nonprofit organizations and people can join together
to build decent affordable homes, quality schools, job opportunities, and
cultural and recreational activities—the very ingredients needed for livable,
sustainable communities.
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6
Community Development Banking
Bank of America provided $6 million through a combination of loans and federal grant funds to support the
Enterprise Home Owners Partners’ (EHOP) effort to create affordable homeownership in low-income Los
Angeles neighborhoods. The bank’s funding will benefit 1,465 families in six Los Angeles communities as they
move into formerly abandoned properties rehabilitated by EHOP. The homeownership program purchases
foreclosed homes at a discount from the U.S. Department of Housing and Urban Development, rehabilitates
them with loans and grants, and sells them to individuals earning 55% to 115% of the area’s median income.
Bank of America grants help pay for the rehabilitation, further subsidizing the cost to homebuyers with the
greatest financial need. Bank of America, with Broadway Federal Savings, co-sponsored EHOP’s application to
the Federal Home Loan Bank’s Affordable Housing Program. Bank of America was the lead lender among a
group of financial institutions that provided a total of $32 million in construction financing to support the
EHOP program. Both institutions will make mortgage financing available to qualifying low- to moderateincome
homebuyers. During the last five years, the bank has provided more than $27 million dollars to aid
Housing
Enterprise in expanding and strengthening its community development initiatives.
Before After
In Kansas City, Kan., Bank of America
partnered with City Vision Ministries to
create Turtle Hill Townhomes, a $6
million mixed-income rental townhome
development. The bank joined with
Douglass National Bank to provide
$1.25 million in construction financing,
plus an additional
$167,000 in equity
from Bank of
America, for the 58
unit development
that is part of a
revitalization project
in the city.
Neighborhood Development
Kansas City Revitalization
Before
Before After
Bank of America joined with Black Economic Union and Move UP to
help develop the Vine Street Lofts in Kansas City, Mo. It is the first
phase of the Vine Street District to be developed, with completion
scheduled for August, 2003. The bank provided just over $3 million in
financing and an additional $3.1 million in equity to construct the 62unit
mixed-rental loft apartment community.
After
With nonprofit partner
Black Economic Union,
Bank of America is helping
preserve quality affordable
housing along the I-70
corridor in Kansas City,
Mo., through the
rehabilitation of Stonegate
Meadows, a 366-unit
apartment community. The
bank provided a $2.9
million loan and a $12.2
million letter of credit. The
bank also provided $5.4
million in equity.

“...the program has hired 7,000 new associates from public assistance into career paths at Bank of America”
America/ Works Initiative
Opportunity
New Job Opportunities for Employees
Bank of America recognizes that job opportunities, job training, job retention and
career advancement help people move from poverty to self-sufficiency. Through
its “America/Works” initiative, Bank of America fosters innovative workforce
development solutions in communities throughout the country. Begun in 1998, the
program has allowed us to hire and create career paths for 7,000 individuals, who
had been on public assistance. In 2002 alone, 1,046 individuals were helped in
moving from government benefits into bank jobs. The America/Works national
team at Bank of America conducted community-wide outreach events in 12 key
markets in 2002, helping strategic partners at the national and community levels
prepare candidates for employment with the bank.
Tiffany Ambrose (right) joined Bank of America in
2001 after completing a prehire training program
created as a collaborative effort between the bank,
the Housing Authority of the City of Los Angeles,
Goodwill of Southern California, and the Los
Angeles County Office of Education. Today, she is
a senior customer service representative handling
check fraud claims in the bank s West Region Call
Center in Los Angeles. With Ambrose is Recruiting
Specialist Mary Pelentay.
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Foundation
Bank of America recognizes the importance of giving back to the individuals
and entities that contribute to our success. The Bank of America Foundation does
this by focusing its resources on three areas: providing educational opportunities,
building inclusive communities and promoting cultural diversity.
Through Foundation grants, we support nonprofit partners who use creativity and imagination to help
America’s children succeed in life, neighborhoods flourish and communities prosper.
While the breadth of Bank of America Foundation’s support for philanthropic causes is large—more than
$85 million was donated in 2002—the company’s efforts to encourage associates, community groups and
others to partner with each other are what distinguish our commitment and define our result. We help
nonprofit organizations create greater community awareness, build fruitful collaborations and foster
networks of ongoing support. The Foundation doesn’t merely donate money to good causes; it holds itself to
a higher standard by seeking every opportunity to use the bank’s various resources to support philanthropic
endeavors in a holistic way.
For example, to augment its corporate gift of $11.3 million to the United Way in 2002, Bank of America
raised an additional $23.3 million through our associate campaign. During the national campaign, Bank of
America associates participated in “Day of Caring” volunteer projects providing more than 10,000 volunteer
hours for United Way agency projects. In addition, the bank provided $10 million in funding in 2002 for
United Way of America’s “Success By 6” program (see page 9). The company’s total gift of $44.6 million
makes the bank the second largest corporate contributor of funds to United Way in 2002—behind only
United Parcel Service, which has more than twice as many employees.
This inclusive approach to charitable giving has proven successful in
many other instances, such as our “Smart Growth Initiative” (see page
11) and our “McColl Habitat for Humanity” project (see page 13).
Providing genuine support to an organization requires more than
dollars. Our philanthropic activities are deeply rooted in the values of
our senior management and carried out in the hearts and willing hands
of associates at all levels of our company.

“The Foundation’s $3.2 million grant will enable several thousand teachers across the country to help students from
kindergarten through high school become skilled consumers, savers and investors.”
Helping Young People Become Financially Fit
Education
Understanding that many people learn the ins and outs of personal finance
far too late in life, Bank of America launched an innovative financial
education curriculum in partnership with the National Council on
Economic Education. The Foundation’s $3.2 million grant will enable
several thousand teachers across the country to help students from
kindergarten through high school become skilled consumers, savers and
investors. The “Financial Fitness for Life” program has a unique way of
involving parents, teachers and students in using state-of-the-art materials.
These include interactive CD-ROMs, guides and a Web site. The program
creates a team approach that promotes successful learning. In further
support of higher standards in education, the Foundation also contributes to
numerous scholarship programs throughout the country.
Success By 6 A $50 Million Commitment
A successful and fulfilling future for many young children in our country is
in jeopardy. One out of every six children lives in poverty. Quality
childcare is difficult to find. Research shows that early environmental
influences can have a lasting impact on development. Bank of America is
helping give children a head start in life through one of the largest
corporate grants in history—a five-year, $50 million commitment to
“Success By 6.” Currently in the fourth phase of giving, these funds are
helping United Way agencies across the country take a multi-faceted
approach to prepare children for school through literacy programs, early
immunization, health care and parent training. The bank’s support is
helping ensure that all children develop the emotional, social, cognitive and
physical capacities they need to enter school ready to succeed.
Through its partnership with the United Way,
Bank of America s $50 million investment in
Success By 6 has a goal of increasing the
number of Success By 6 programs from 175
to more than 300 across America.
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Environmental Initiatives
Bank of America has long considered high environmental standards critical to running a smart
business. Of equal importance is our commitment to take a leadership role in making economic
development and environmental protection compatible. Not only does a healthy environment
improve the quality of our lives, it also serves as the basis for the sustainable economy on which
our business depends.
Our company was the first major U.S. financial services company to endorse
the CERES Principles, a corporate code of conduct for environmental
responsibility. Through the Bank of America Environmental Commitment, our
company promotes four categories of environmental activities to support our
ongoing business objectives. These include:
–Reducing the environmental impacts of our internal operations;
–Encouraging our associates to conserve in their daily jobs;
–Demonstrating responsibility in our core and related business activities; and
–Providing leadership within the business community on appropriate
environmental issues and developing solutions with other stakeholders.
The nature of our business gives Bank of America the opportunity to
make loans to and invest in environmentally beneficial endeavors. We also
try to avoid loans and investments in projects that we deem to be
unacceptable risks to the environment. Opportunities to support the
Environment
environment through the use of our core products include diverse
projects ranging from financing rubber-recycling equipment to investing in recycling and environmentally
related businesses.
The bank has also taken an active role in national energy policy, along with reshaping our own energy usage
plans. Our National Energy Team is working to establish an energy baseline for our company, manage a $5
million energy capital pool, create energy conservation guidelines and research new technologies.
Across the country our associates are working to integrate environmental sensitivity and awareness into the fabric
of our business through the use of comprehensive recycling programs, energy conservation and partnerships to
reduce the environmental impacts of our operations.
Bank of America associates have taken their commitment a step further, by bringing environmental awareness
into their personal lives as well. Each year, thousands of our workers participate in bank-sponsored Earth Day
activities, and our Environmental Network implements awareness programs to help motivate others to find
creative ways to apply an environmental ethic to daily activities.
Collectively, these measures to protect the environment in wide-ranging ways represent a pragmatic example of
our company’s commitment to higher standards in everything we do.

“The EPA recently recognized Bank of America with the
Program Champion Award for its sound environmental practices.”
Bank of America purchased
48,908 tons of paper in 2002;
75% (36,590 tons) was
recycled paper with 20%
recycled content. We recycled
31,451 tons of paper in our
own recycling program.
Environmentally Respectful Economic Growth
Bank of America is an avid supporter of “Smart Growth,” a collaborative regional planning
program that brings together community stakeholders to create integrated regional growth
solutions. The goal is to produce sensible growth—growth that plans for jobs and economic
development, while respecting the natural environment. A few of our
“Smart Growth” initiatives include:
–A partnership with the Urban Land Institute that fosters more informed
and collaborative efforts among stakeholders, supports national policy
forums and increases community outreach initiatives;
–An investment in the California Environmental Redevelopment Fund
that helps provide debt financing for the investigation and cleanup of
contaminated properties;
–Rehabilitation of historic buildings using historic tax credit investments; and
–Downtown development and urban revitalization projects in cities such as Charlotte,
North Carolina.
Sound Environmental Practices
The U.S. Environmental Protection Agency (EPA) WasteWise Program, a partnership that
unites more than 1,160 businesses, government agencies and institutions, recently recognized
Bank of America with the Program Champion Award for its sound environmental practices.
In addition to developing online tools to decrease paper use, the company has implemented
numerous waste-reduction initiatives including:
–Reducing the number of copies by 7%;
–Purchasing only Energy Star compliant printers;
–Reducing paper tonnage created from bank forms by 25%; and
–Increasing the use of recycled paper by 4%.
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Team Bank of America
Each year, 100,000 Bank of America associates, retirees and their
families devote about 650,000 hours to volunteer work through more
than 3,000 nonprofit organizations that touch the lives of our
customers and improve the communities in which we live and work.
Above, top, one of three fire
trucks given by Bank of America
to the New York City Fire
Department. The gift, financed
largely by Team Bank of
America fund raising activities,
was presented in memory of
three Bank of America
associates who lost their lives in
the World Trade Center on
September 11, 2001.
Through Team Bank of America, associates organize and participate in volunteer activities
within their bank and in their communities. The organization includes five areas or
“networks” in which individuals can volunteer their time: Diversity, Environmental,
Recreation, Speaking and Volunteer. In addition to providing a venue for giving back to the
community, Team Bank of America is a way for associates to take responsibility for their own
professional growth since the experience helps develop leadership, organizational and
interpersonal skills.
The teams participate in myriad activities. For example, in the aftermath of the destruction of
the World Trade Center, Team Bank of America launched a campaign to raise $1 million to
purchase three fire trucks, which were presented to the New York City Fire Department.
During the Ocean Conservancy’s Annual International Coastal Cleanup, approximately 4,000
volunteers cleaned 50 miles of coastline in 12 states. And each year, thousands of bank
associates take part in national fundraisers, like AIDS Walks, March of Dimes WalkAmerica
and the American Cancer Society’s Making Strides Against Breast Cancer.
Bank of America further encourages volunteerism through its grant programs, last year
making 399 grants totaling more than $172,000 to organizations for which our associates
volunteer. In addition, Bank of America Foundation provided $10 million through more than
60,000 matching gift contributions to nonprofit organizations that our associates support.
Team Bank of America volunteers are
key supporters of the McColl Habitat for
Humanity building drive. The program,
launched in 2002, will run through 2006
and produce new affordable homes
across America in the 21 states and
Washington, D.C., which make up the
Volun
bank s retail markets.

“I think our relationship with Bank of America has perhaps been
the strongest corporate partnership I’ve ever seen.”
McColl Habitat for Humanity Project
Volunteering for the United Way Day of Caring
Nearly 7,500 Bank of America associates across the country spent time last year
participating in the most rewarding team-building exercises they may ever
experience—constructing homes for people in need. These bank associates helped
fulfill our company’s commitment to build more than 200 houses in the next five
years, as part of the McColl Habitat for Humanity Project funded through the
Bank of America Foundation.
teering
“Habitat has had many relationships with businesses since we started, but I think
our relationship with Bank of America has perhaps been the strongest corporate
partnership I’ve ever seen,” said Sam Durso, president of Habitat for Humanity of
Collier County, Florida. “While there are other large donors, they don’t have such
an enormous volunteer effort that goes along with their donation,” he said.
Sam Durso, president of Habitat for
Humanity of Collier County, Florida.
Each fall, thousands of Bank of America associates give their time and energy to United
Way Day of Caring activities across the country. The events have become a main project
for many local Team Bank of America Volunteer Networks, coinciding with the annual
launch of the bank’s United Way campaign. Recent projects included:
–Purchasing new clothing and school supplies for area children in need through the Bright
Beginnings Program, a project sponsored by the YMCA in Richmond, Virginia;
–Spending a work day at the Children’s Home in Tampa, Florida , weeding a volleyball
court, clearing a wooded area, sanding furniture, painting children’s cabins and organizing
a clothes-collection area;
–Creating a “Village of Hope” for the Orange County Rescue Mission at the former
Tustin Marine Airbase in Orange County, California by cleaning barracks buildings that
were being converted into housing and medical facilities for homeless and
impoverished families.
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Sponsorships
As a major corporate presence in every community we serve, Bank of America
enjoys the ability to sponsor national programs as well as local events that create
higher standards of cultural opportunities for communities. Our resources often
make events possible in communities where they would not otherwise be available
without the bank’s support.
San Francisco Lunar New Year Parade
While these programs help focus favorable attention on our
company and improve public awareness of our products and
services, they also make it possible for communities and fans of
all kinds to enjoy high-caliber events that enrich lives, broaden
experiences, and, often, attract economic growth to a
community. Bank of America brings a level of focus and
resources to its local markets uncommon for corporations our
size. Bank of America associates are often leaders in their
communities, bringing
expertise and a high level of
caring to community needs and
concerns that benefit local
projects, organizations and
enterprises.
We focus our charitable and
sponsorship activities on
programs and events that create
economic benefits for
neighborhoods and individuals. From little league to little
theatre, from the chamber of commerce to the chamber music
orchestra, Bank of America is supportive of the interests that
our customers and neighbors tell us are important to them.
The Bank of America sponsorship of the Lunar New Year parade in San Francisco began nearly 70 years ago when the bank first
opened banking centers in San Francisco and Oakland Chinatown communities. More than 40 percent of San Francisco banking
center managers and personal bankers are Asian-American and many participate in promoting the
Spo
Bank of America float in the
parade, along with many Lunar New Year community activities sponsored by the bank. Today, our commitment to understanding
and respecting the unique cultural traditions and banking needs of Asian-Americans remains strong and will be expanded in
coming years.

“Bank of America sponsors professional and
collegiate sports teams, absorbing costs associated
with fielding teams that represent our cities and
institutions of higher learning.”
A Proud Sponsor of the U.S. Olympic Team
On a national scale, we are widely recognized as a major sponsor of the U.S.
Olympic Team, making it possible for our country’s best athletes to represent the
United States in world-class competition. The bank has sponsored the U.S. Olympic
Team since 1992. Building upon our support at the Games, Bank of America
organized and funded a nationwide tour for five Olympic Champions to visit a dozen
communities across the United States—from Riverside, California, to Wichita,
Kansas, to Norfolk, Virginia. These Olympic Celebration Festivals made it possible
for children in schools and hospitals to meet sports heroes, share their dreams, and
hear each athlete talk about his or her core values.
By leveraging the existing
community programs of many
major sports organizations, Bank of
America sponsorships highlight
nationally recognized athletes as
role models for students. Children
are quick to recognize the
character and work ethics of
successful athletes.
Collegiate and Professional Sports Sponsor
At a regional and state level, Bank of America sponsors professional and collegiate sports
teams, absorbing costs associated with fielding teams that represent our cities and
institutions of higher learning. Our associations with such teams allow us to create or
participate in special team programs with a community focus.
For example, the bank partnered with the Carolina Panthers to bring a Caravan Tour to
Charleston, Greenville and Columbia, South Carolina. Carolina Panthers players and
personnel participated in activities at each stop, including visits to local middle schools
where players spoke to students about the importance of education. Children received
sorships
special t-shirts, participated in interactive games and met Panthers players, cheerleaders
and the team mascot, Sir Purr. The Caravan Tour reached more than 5,000 students,
broadening experiences and horizons for each child.
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16
Higher Standards for a
Brighter Future
As we reflect on 2002 and the recent past, we see tangible benefits in
the role that Bank of America plays in communities throughout the
country. Our accomplishments during the past year pave a path to
better futures for our children, stability for growing families, the
security of homeownership, a clean environment in which to live and
work, neighborhoods where people volunteer to give back and a
stimulating culture that enhances our daily lives.
As a responsible corporate citizen, Bank of America knows our success depends on our
ability to help people and organizations grow and prosper. We strive to strengthen local
neighborhoods because we all benefit from vibrant communities with strong economies. We
discover our best associates in the local areas we serve, and they return resources to their
communities as individual citizens and volunteers, and on behalf of our company. We find
greater meaning in our work because of the bank’s ties to the community. And we are
committed to continuously improving all that we do for all stakeholders in our company
and neighborhoods.
Our goal is to continue helping communities create—and achieve—ever higher standards.
Together with our extended family of associates and neighbors, we have both an obligation
and an opportunity to achieve this goal—and to use our common interests for the
common good.
At Bank of America, this is what it means to be an ethical business, a successful bank and a
good neighbor worthy of the public’s trust.

One of the world’s leading financial services companies, Bank of
America is committed to making banking work for customers and
clients like it never has before. Bank of America provides
individuals, small businesses and commercial, corporate and
institutional clients across the United States and around the world
new and better ways to manage their financial lives. Shares of Bank
of America (ticker: BAC), the second largest banking company in the
United States by market capitalization, are listed on the New York,
Pacific and London stock exchanges. The company’s Web site is
www.bankofamerica.com. News, speeches and other corporate
information can be found at www.bankofamerica.com/newsroom.

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