Bank of America `Christmas in April' Volunteers Repair Five Northern California Homes and Buildings; Bank Donates $38,700 for Nine Christmas in April Projects.

SAN FRANCISCO--(BUSINESS WIRE)--April 24, 1999--

Bank of America associates throughout Northern California are participating in "National Rebuilding Day" with Christmas in April this Saturday as they troop into neighborhoods to help rebuild homes and buildings.

In addition to the volunteer effort, Bank of America provides financial support to various Northern California Christmas in April efforts, which this year totaled $38,700 to projects in Castro Valley, Concord, Daly City, Monterey, Oakland, Petaluma, Sacramento, San Francisco, and San Jose. Christmas in April is a non-denominational, community-based project dedicated to helping low-income, elderly and disabled people across America live in warmth, safety and independence through volunteer repair and renovation of owner-occupied homes and nonprofit facilities.

"There is no better feeling than being part of a group of individuals coming together on behalf of those in the community who are less fortunate, and helping to fulfill their dreams of a safe and comfortable place to live," said Steve Yotter, Bank of America Diablo District Manager, who will be participating in the project for his sixth year.

Throughout the day associates, coordinated by Team Bank of America, Bank of America's volunteer network, will tackle projects such as repairing roofs, planting and cleaning yards, repainting the interior and exterior of buildings, fixing plumbing and patching drywall. And similar scenes will take place around the country, as Bank of America associates in ten states donate their time to improve more than 25 buildings and homes in their communities.

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     Bank of America supported events include:

Concord - More than 30 bank volunteers will paint the interior and
     exterior, help with roof work, clean the yard, and plant flowers
     at the home of a disabled Concord woman, located at 1870 Landana
     Drive.

Daly City/Colma - Bank volunteers will team with PG&E volunteers to
     replace windows, repair gutters, install carpet, and paint the
     interior and exterior of the house of a family of seven at 435-F
     St., in Colma.

Monterey - Bank associates will help paint, garden, refurbish and
     clean a YMCA building that provides summer camp, after school day
     care activities for youth and programs for seniors at 600 Camino
     El Estero.

Oakland - Volunteers will help patch dry wall, repair kitchen
     cabinets, replace windows, fix plumbing, and paint the interior
     and exterior of an elderly resident's home at 1712-69th Ave.

Sacramento - Bank volunteers will help paint, clean and repair a
     building that houses "The Effort," a chemical codependency clinic
     at 1550 Juilesse.

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Bank of America, with $614 billion in total assets, is the largest bank in the United States, with full-service consumer and commercial operations in 22 states and the District of Columbia. Bank of America provides financial products and services to 30 million households and 2 million businesses, as well as international corporate financial services for business transactions in 190 countries. For more information, please visit www.bankamerica.com and www.nationsbank.com.