Document:

EX1011

AGREEMENT

This Agreement ("Agreement") is entered into by and between C. K. Cooper & Company, Inc. ("CKCC") and Lexington Resources, Inc. (the "Company") (collectively the "Parties"), and their predecessors, agents, servants, employees, owners, shareholders, officers, directors, partners, associates, attorneys, representatives, successors, assigns, heirs, firms, brokers, appraisers, partnerships, corporations, and their insurers, and each and all of them, and is based upon the following recital of facts:

R E C I T A L S

WHEREAS, CKCC and the Company have previously entered into an engagement letter, dated September 9, 2004, pertaining to certain services to be rendered by CKCC to the Company (the "Engagement Letter").  A true and correct copy of the Engagement Letter is attached hereto as Exhibit "A" to this Agreement and expressly incorporated herein.  Simultaneously with the execution of the Engagement Letter, the Parties entered into an indemnification letter, dated September 9, 2004 (the "Indemnification Letter").  A true and correct copy of the Indemnification Letter is attached hereto as Exhibit "B" to this Agreement and expressly incorporated herein.

WHEREAS, pursuant to the Engagement Letter, the Company granted to CKCC a right of first refusal to be engaged as the managing dealer or placement agent for any subsequent offerings of the Company's securities for a 12-month period commencing on September 30, 2004.

WHEREAS, the Company desires to conduct another securities offering with a firm other than CKCC and CKCC is willing to waive the right of first refusal granted under the Engagement Letter in return for certain consideration described in this Agreement.

AGREEMENT

NOW, THEREFORE, in consideration of the following, the parties hereto hereby agree as follows:

1.Waiver of Right of First Refusal.  Upon the terms and conditions set forth in this Agreement, CKCC hereby waives the right of first refusal under the Engagement Letter.

2.Issuance of Shares.  The Company will issue upon the execution of this Agreement 200,000 shares of its common stock, par value $.0025 per share, to CKCC (the "Shares").  In addition, the Company agrees that in the event that Prospect Energy or any related individuals, entities or other affiliates of Prospect Energy participate in any financing with the Company through September 30, 2005, the Company will issue an additional 25,000 Shares of common stock in the name of Adam Blake Connors ("Connors"), an affiliate of CKCC (the "Connors Shares").

3.Representations of the Company.  The Company hereby represents and warrants to CKCC as follows:

(a)Authorization.  All corporate action on the part of the Company necessary for the authorization, execution and delivery of this Agreement, the performance of the Company's obligations hereunder, and for the authorization, issuance and delivery of the Shares and the Connors Shares has been taken.

(b)Validity of the Shares and the Connors Shares.  The delivery of the Shares and the Connors Shares, when issued and delivered in compliance with the provisions of this Agreement, will be duly and validly issued, fully paid and non-assessable, and will be free of any liens, encumbrances or restrictions on transfer; provided, however, that the Shares or the Connors Shares may be subject to restrictions on transfer under state or federal securities laws at the time a transfer is proposed.

(c)Non-Assignment.  The Company warrants that it has not assigned or otherwise transferred any obligation, liability, action, claim, or demand related to the Engagement Letter or the Indemnification Letter.  The Company agrees to indemnify, hold harmless and defend CKCC and its officers, directors, employees, employers, agents, servants, attorneys, insurers, successors, and assigns from any obligations, liabilities, actions, claims, or demands that Company has assigned or otherwise transferred in breach of this warranty.

4.Restrictions on Contacts.  The Company agrees that it will not allow any other investment banking firm or managing dealer (or any individual fund managers or affiliated funds managed by the same or related entity) engaged in connection with any subsequent securities issuance, or any of its agents, servants, employees, owners, shareholders, officers, directors, partners, associates, attorneys, representatives, successors, assigns, heirs, firms, brokers, appraisers, partnerships, or corporations to contact or solicit parties previously introduced to the Company by CKCC.  A list of such contacts is set forth on Exhibit C hereto.

5.Registration Rights.  The Company will grant rights to CKCC and Connors to register the Shares and the Connors Shares in accordance with the following provisions:

(a)"Piggy Back" Registration.  If at any time the Company shall determine to register under the Securities Act of 1933, as amended (the "Securities Act"), (including pursuant to a demand of any stockholder of the Company exercising registration) any of its common stock (other than a registration relating solely to the sale of securities to participants in a Company employee benefit plan, a registration relating solely to issuance of securities by the Company in connection with the acquisition of another company or business or a strategic relationship with another person or entity, a registration on any form which does not include substantially the same information as would be required to be included in a registration statement covering the sale of the Shares and the Connors Shares, including any other security which is issued, as a result of a stock split, dividend or other distribution with respect to or in exchange for or in replacement of the Shares and the Connors Shares (the Shares, the Connors Shares and any such other security being referred to herein as the "Registrable Shares") or a registration in which the only common stock being registered is common stock issuable upon conversion of debt securities which are also being registered), it shall send to CKCC and Connors (together the "Holders") written notice of such determination and, if within ten days after receipt of such notice, such Holders shall so request in writing, the Company shall use its best efforts to include in such registration statement all or any part of the Registrable Shares that such Holders request to be registered, except that if, in connection with any offering involving an underwriting of common stock to be issued by the Company, the managing underwriter shall impose a "cut back" limitation on the number of shares of common stock included in any such registration statement because, in such underwriter's judgment, such limitation is necessary based on market conditions, then the Company shall be obligated to include in such registration statement, with respect to the requesting Holder, only an amount of Registrable Shares equal to the product of (1) the number of selling stockholder shares that remain available for registration after the underwriter's "cut back" and (ii) such Holder's Ownership Percentage, as that term is defined below.  If any Holder disapproves of any material terms of such underwriting that differ from the terms disclosed to such Holder in connection with such Holder's decision to participate in the registration, it or he may elect to withdraw therefrom by written notice to the Company and the underwriter; provided, however, that pricing changes will not entitle any Holder to withdraw if the final price at which the shares are to be sold by the underwriter is not below the low end of the range set forth in the most current draft preliminary prospectus distributed to Holders as of the time the Holder decides to participate, or if there is no range expressed, then not below 85% of the price stated in the most current draft preliminary prospectus distributed to Holders as of the time the Holder decides to participate.  For the purpose of the previous sentence, "Ownership Percentage" means and includes, with respect to each Holder of Registrable Shares requesting inclusion of Registrable Shares in an offering pursuant to this Agreement, the number of Registrable Shares held by such Holder divided by the aggregate of (i) all Registrable Shares held by all Holders requesting registration in such offering and (ii) the total number of all other securities entitled to registration pursuant to any agreement with the Company approved by the Board of Directors of the Company and held by others participating in the underwriting.

6.Survival of Certain Provisions and Agreements.  Notwithstanding anything else in this Agreement, the representations made by the Company to CKCC in the Engagement Letter and the Indemnification Letter shall continue to remain in effect for the period to which they relate.  In addition, the rights and obligations of CKCC and the Company under the Indemnification Letter shall survive the execution of this Agreement and remain in full force and effect.

7.Enforcement of Provisions of Agreement/Injunctive Relief.  Company acknowledges that its failure to carry out any obligation under this Agreement, or a breach by Company of any provision herein, will constitute immediate and irreparable harm or damage to CKCC, which cannot be fully and adequately compensated in money damages and which will warrant preliminary and other injunctive relief, an order for specific performance, and other equitable relief.  Company further agrees that no bond or other security shall be required in obtaining such equitable relief and agrees and consents to the issuance of such injunction and to the ordering of specific performance.  Company also acknowledges and agrees that other action may be taken and remedies enforced against it in the event of breach of any of the provisions of this Agreement.

8.Specific Performance.  In the event the Company breaches any of the provisions of this Agreement, CKCC shall be entitled to the following:

(a)In the event the Company breaches or violates the provisions, requirements or restrictions contained in Paragraph 4 of this Agreement, CKCC shall be entitled to, at a minimum, the equal or greater of any compensation that CKCC would have otherwise been entitled to receive under the Engagement Letter as if the investors or contacts listed in Exhibit C have invested in the Company through CKCC.

(b)In the event the Company breaches or violates the provisions, requirements, or restrictions of Paragraph 5 of this Agreement, the Company shall be entitled to, at a minimum, specific performance and injunctive relief pursuant to Paragraph 7 hereof to require the Company to cause the registration of the Shares or the Connors Shares.  Should such specific performance or injunctive relief not be available or be prohibited by any laws, rules or regulations, CKCC shall be entitled to monetary damages equal to the sale price of the Shares or the Connors Shares which would have been obtained if the Shares or the Connors Shares had been properly included in the Company's registration statement.

(c)Any and all other relief a court of competent jurisdiction may deem just and proper.

9.Governing Law.  Any and all disputes arising out of the provisions of this Agreement, including any action for specific performance, injunctive or equitable relief, shall be construed and enforced pursuant to the laws of the State of California, existing as of the date of this Agreement, and any action relating to such disputes shall be the sole jurisdiction of the Los Angeles County Superior Court, Central District.

10.Payment of Costs.  In the event any party brings suit to enforce any provisions of this Agreement, or is required to defend any action the defense of which is any provision of this Agreement, the non-prevailing party agrees to pay the prevailing party such court costs and attorneys' fees as the Court deems just.

11.Further Action.  The parties hereto agree to execute, and expressly authorize their respective attorneys, if any, to execute, such other documents and to take any other steps as may be necessary to effectuate the terms and provisions of this Agreement.

12.Enforceability.  If any term or provision of this Agreement is held by a court of competent jurisdiction, or any federal, state or other administrative agency or authority to be invalid, void or unenforceable, the remaining terms and provisions of this Agreement will nevertheless continue in full force and effect without being impaired or invalidated in any way.

13.Indemnification.  The Company hereby agrees to defend, protect, indemnify and save harmless CKCC, its officers, directors, employees, employers, agents, servants, attorneys, insurers, successors, and assigns if any person, firm, corporation, agency or other entity shall assert or attempt to assert any claim, action or demand by reason of the foregoing matters, including, but not limited to, any claim for contribution or indemnification.

14.No Reliance.  Each party acknowledges it has not relied upon any statement or representation by any other party, their counsel, their insurers, or any of their officers, directors, agents, employees, employers or attorneys in executing this Agreement or in making the agreements provided for herein, except as expressly provided for herein.

IN WITNESS WHEREOF, this Agreement is hereby executed by the parties hereby on the date opposite each party's signature below

	
Dated:  September 8, 2005
	
C. K. COOPER & COMPANY, INC.

        /s/ Alexander G. Montano

By_______________________________________

    Name:  Alexander G. Montano

    Title:    Managing Director

	
Dated:  September 8, 2005
	
LEXINGTON RESOURCES, INC. 

        /s/ Grant Atkins

By_______________________________________

    Name:  Grant Atkins

    Title:    President

 

 

 

 

 

Excluded from the marketing 

EXHIBIT A

Engagement Letter

EXHIBIT B

Indemnification Letter

EXHIBIT C

List of Contacts

Gary Brennglass 

B&E Apartments, L.P.

Paul MastersForm of Note

 EXHIBIT 4.1 
  

THIS NOTE IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITORY OR A NOMINEE OF A DEPOSITORY.
THIS NOTE IS NOT EXCHANGEABLE FOR NOTES REGISTERED IN THE NAME OF A PERSON OTHER THAN THE DEPOSITORY OR ITS NOMINEE, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE, AND NO TRANSFER OF THIS NOTE (OTHER THAN A TRANSFER OF THIS NOTE AS
A WHOLE BY THE DEPOSITORY TO A NOMINEE OF THE DEPOSITORY OR BY A NOMINEE OF THE DEPOSITORY TO THE DEPOSITORY OR ANOTHER NOMINEE OF THE DEPOSITORY) MAY BE REGISTERED EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. 
  
 Unless this Note is presented by an authorized representative of The Depository Trust
Company, a New York corporation (55 Water Street, New York, New York) (“DTC”), to the Corporation or its agent for registration of transfer, exchange or payment, and this Note is registered in the name of Cede & Co. or such other
name as requested by an authorized representative of DTC, and unless any payment is made to Cede & Co., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL since the registered owner hereof,
Cede & Co., has an interest herein. 
  
 THIS NOTE IS NOT A SAVINGS
ACCOUNT OR A DEPOSIT, IS NOT AN OBLIGATION OF OR GUARANTEED BY ANY BANKING OR NONBANKING AFFILIATE OF BANK OF AMERICA CORPORATION, AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY. 
  

											
	 REGISTERED
	 	 	 	 	 	 	 	 	 	$11,300,000
						
	 NUMBER I-
	 	 	 	 	 	 	 	 	 	CUSIP 06050 MFH5

  
 BANK OF AMERICA
CORPORATION 
 MEDIUM-TERM SENIOR NOTE, SERIES K 
 (Indexed Note) 
  

	 ̈	SEE THE ATTACHED PRINCIPAL REPAYMENT AMOUNT RIDER for a description of the PRINCIPAL REPAYMENT AMOUNT and its method of calculation. 

  

	x	SEE THE ATTACHED SUPPLEMENTAL REDEMPTION AMOUNT RIDER for a description of the SUPPLEMENTAL REDEMPTION AMOUNT and its method of calculation 

  
 ORIGINAL ISSUE DATE: November 22, 2005 
 MATURITY DATE: November 23, 2010 
 CALCULATION AGENT: Banc of America
Securities LLC (“BAS”) 
 ADDITIONAL TERMS: See Supplemental Redemption Amount Rider 
 MINIMUM DENOMINATIONS: $1,000 and whole multiples of $1,000. 
  
 BANK OF AMERICA CORPORATION, a Delaware corporation (the “Corporation,” which term includes any successor corporation under the Indenture referred to on the reverse hereof), for value received, hereby
promises to pay on the Maturity Date to CEDE & CO., as nominee for The Depository Trust Company, or its registered assigns, (i) the principal amount of ELEVEN MILLION THREE HUNDRED THOUSAND DOLLARS ($11,300,000.00) and (ii) that
supplemental redemption amount (the “Supplemental Redemption Amount”) calculated according to the terms of the attached Supplemental Redemption Amount Rider. 
  
 Any principal or Supplemental Redemption Amount not punctually paid or duly provided for shall be payable as provided in the
Indenture. As used in this Note, “Business Day” means any day that is not a Saturday or a Sunday, and that is not a legal holiday in New York, New York or Charlotte, North Carolina and that is not a day on which banking institutions in
those cities or any other place of payment with respect to this Note are authorized or required by law or regulation to be closed; but that is not a day on which the principal securities market (or markets) on which the constituent stocks of the
Nasdaq-100 Index® are traded is closed. 

 The principal and Supplemental Redemption Amount on this Note are payable in immediately available funds
in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts at the office or agency of the Corporation designated as provided in the Indenture; provided,
however, that the principal or Supplemental Redemption Amount may be paid, at the option of the Corporation, by check mailed to the person entitled thereto at his address last appearing on the registry books of the Corporation relating to the
Notes. Notwithstanding the preceding sentence, payments of the principal and Supplemental Redemption Amount payable on the Maturity Date will be made by wire transfer of immediately available funds to a designated account maintained in the United
States upon (i) receipt of written notice by the Issuing and Paying Agent (as described on the reverse hereof) from the registered holder of this Note not less than one Business Day prior to the due date of such principal and
(ii) presentation of this Note to The Bank of New York, as Issuing and Paying Agent, 101 Barclay Street, New York, New York 10286 (the “Corporate Trust Office”). 
  
 For both this Note and Notes issued in certificated form, the payment of principal of and any other amounts due on or after
the Maturity Date will be made only upon the presentation and surrender of such Note at the office of the Trustee or successor thereof, and with respect to this Note, in accordance with the procedures of DTC. 
  
 References herein to “U.S. dollars,” “U.S.$,” or
“$” are to the coin or currency of the United States at the time of payment is legal tender for the payment of public and private debts. 
  
 Reference is hereby made to the further provisions of this Note set forth on the reverse hereof and on the attached Rider, which shall have the same
effect as though fully set forth at this place. 
  
 Unless the
certificate of authentication hereon has been executed by the Trustee or an authenticating agent on behalf of the Trustee by manual signature, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any
purpose. 
  

 2 

 IN WITNESS WHEREOF, the Corporation has caused this Note to be duly executed, by manual or facsimile
signature, under its corporate seal or a facsimile thereof. 
  

									
	 	 	 	 	BANK OF AMERICA CORPORATION
					
	 	 	 	 	 	 	By:	 	 
	 [SEAL]
 ATTEST:
	 	 	 	Title: Senior Vice President

  
 By:____________________________________ 
 Title: Assistant Secretary 
  

 3 

 Certificate of Authentication 
  
 This is one of the Securities of the series designated therein referred to in the within-mentioned Indenture. 
  
 Dated: November 22, 2005 
  

			
	 THE BANK OF NEW YORK,
 as Trustee

		
	By:	 	 
	 	 	Authorized Signatory

  

 4 

 [Reverse of Note] 
  
 BANK OF AMERICA CORPORATION 
 MEDIUM-TERM SENIOR NOTE, SERIES K 
 (Indexed Note) 
  
 SECTION 1. General. This Note is one of a duly authorized series of
Securities of the Corporation unlimited in aggregate principal amount (herein called the “Notes”) issued and to be issued under an Indenture dated as of January 1, 1995 (herein called the “Indenture”), between the
Corporation (successor in interest to NationsBank Corporation) and The Bank of New York, as Trustee (successor in interest to U.S. Bank Trust National Association, successor trustee to BankAmerica National Trust Company, herein called the
“Trustee,” which term includes any successor trustee under the Indenture), as supplemented by a First Supplemental Indenture dated as of September 18, 1998, a Second Supplemental Indenture dated as of May 7, 2001, and a Third
Supplemental Indenture dated as of July 28, 2004 to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights thereunder of the Corporation, the Trustee, and the holders of the
Notes, and the terms upon which the Notes are, and are to be, authenticated and delivered. This Note is also one of the Notes designated as the Corporation’s Senior Medium-Term Notes, Series K, initially limited in aggregate principal amount to
$10,000,000,000. The Trustee initially shall act as Security Registrar, Transfer Agent, and Issuing and Paying Agent in connection with the Notes. The Notes may bear different dates, mature at different times, bear interest at different rates and
vary in such other ways as are provided in the Indenture. 
  
 SECTION 2. No Sinking Fund. This Note is not subject to any sinking fund. 
  
 SECTION 3. Redemption. This Note is not redeemable prior to the Maturity Date. 
  
 SECTION 5. Defeasance. The provisions of Article Fourteen of the Indenture do not apply to Securities of this Series. 
  
 SECTION 6. Events of Default. If an Event of Default (defined in the
Indenture as (a) the Corporation’s failure to pay the principal of (or premium, if any, on) the Notes; (b) the Corporation’s failure to pay interest on the Notes within 30 calendar days after the same becomes due; (c) the
Corporation’s breach of its other covenants contained in this Note or in the Indenture, which breach is not cured within 90 calendar days after written notice by the Trustee or the holders of at least 25% in outstanding principal amount of all
Securities issued under the Indenture and affected thereby; and (d) certain events involving the bankruptcy, insolvency or liquidation of the Corporation) shall occur with respect to the Notes, the principal of all the Notes may be declared due
and payable in the manner and with the effect provided in the Indenture. 
  
 SECTION 7. Modifications and Waivers. The Indenture permits, with certain exceptions as therein provided, the amendment of the Indenture and the modification of the rights and obligations of the Corporation and
the rights of the holders of the Notes under the Indenture at any time by the Corporation with the consent of the holders of not less than 66 2/3% in aggregate principal amount of the Notes then outstanding and all other Securities then outstanding
under 

  

 5 

 
the Indenture and affected by such amendment and modification. The Indenture also contains provisions permitting the holders of a majority in aggregate
principal amount of the Notes then outstanding and all other Securities then outstanding under the Indenture and affected thereby, on behalf of the holders of all such Securities, to waive compliance by the Corporation with certain provisions of the
Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the holder of this Note shall be conclusive and binding upon such holder and upon all future holders of this Note and of any Note issued
upon the registration of transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent or waiver is made upon this Note. 
  
 No recourse shall be had for the payment of the principal of, premium on (if any), interest, or other amounts payable on this Note, or for any claim based
hereon, or otherwise in respect hereof, or based on or in respect of the Indenture or any indenture supplemental thereto, against any incorporator, stockholder, officer, or director, as such, past, present, or future, of the Corporation or any
predecessor or successor corporation, whether by virtue of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise, all such liability being, by the acceptance hereof and as part of the consideration
for issue hereof, expressly waived and released. 
  
 SECTION 8.
Obligations Unconditional. No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or impair the obligation of the Corporation, which is absolute and unconditional, to pay the principal of, premium
(if any), interest, and other amounts payable on this Note at the times, place and rate, and in the coin or currency, herein prescribed. 
  
 SECTION 9. Authorized Denominations. The Notes are issuable only as registered Notes without coupons, and unless otherwise set forth above, only in
denominations of $1,000 and whole multiples of $1,000. As provided in the Indenture, and subject to certain limitations therein set forth, Notes are exchangeable for a like aggregate principal amount of Notes of different authorized denominations,
as requested by the holder surrendering the same. 
  
 SECTION 10.
Registration of Transfer. As provided in the Indenture and subject to certain limitations as therein set forth, the transfer of this Note is registrable in the register maintained by the Registrar, upon surrender of this Note for registration
of transfer at the office or agency of the Corporation designated by it pursuant to the Indenture, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Corporation and the Trustee or the Security Registrar
requiring such written instrument of transfer duly executed by, the registered holder hereof or his attorney duly authorized in writing, and thereupon one or more new Notes of this series, of authorized denominations and for the same aggregate
principal amount, will be issued to the designated transferee or transferees. 
  
 This Note is being issued by means of a book-entry system with no physical distribution of certificates to be made except as provided in the Indenture. The book-entry system maintained by DTC will evidence ownership
of the Notes, with transfers of ownership effected on the records of DTC and its participants pursuant to rules and procedures established by DTC and its participants. The Corporation will recognize Cede & Co., as nominee of DTC, while the
registered holder of the Notes, as the owner of the Notes for all purposes, including payment of 

  

 6 

 
principal and the Supplemental Redemption Amount, notices and voting. Transfer of principal and the Supplemental Redemption Amount to participants of DTC
will be the responsibility of DTC, and transfer of principal and the Supplemental Redemption Amount payable to beneficial owners of the Notes by participants of DTC will be the responsibility of such participants and other nominees of such
beneficial owners. So long as the book-entry system is in effect, the selection of any Notes to be redeemed will be determined by DTC pursuant to rules and procedures established by DTC and its participants. The Corporation will not be responsible
or liable for such transfers or payments or for maintaining, supervising or reviewing the records maintained by DTC, its participants, or persons acting through such participants. 
  
 This Note may be exchanged in whole, but not in part, for security-printed certificated Notes, only if (i) DTC notifies
the Corporation or the Trustee that it is unwilling or unable to continue to act as depository for this Note in global form or if at any time DTC ceases to be a clearing agency registered under the Securities Exchange Act of 1934, as amended, and in
either such case, a successor depository is not appointed by the Corporation within 60 calendar days, or (ii) the Corporation executes and delivers to the Trustee a written notification that this Note in global form shall be so exchangeable, or
(iii) an Event of Default occurs and is continuing with respect to this Note in global form. In any such instance, an owner of a beneficial interest in this Note will be entitled to physical delivery in certificated form of Notes equal in
principal amount to such beneficial interest and to have such Notes registered in its name. Unless otherwise set forth above, Notes so issued in certificated form will be issued in authorized denominations only and will be issued in registered form
only, without coupons. 
  
 No service charge shall be made for any
such registration of transfer or exchange, but the Corporation may require payment of a sum sufficient to cover any tax, assessment, or other governmental charge, including, without limitation, any withholding tax, payable in connection therewith.

  
 Prior to due presentment of this Note for registration of
transfer, the Corporation, the Trustee, the Issuing and Paying Agent and any agent of the Corporation, the Trustee or any Issuing and Paying Agent may treat the person in whose name this Note is registered as the owner hereof for all purposes.

  
 SECTION 11. Defined Terms. All terms used in this Note
which are not defined herein but are defined in the Indenture shall have the meanings assigned to them in the Indenture. 
  
 SECTION 12. Governing Law. THIS NOTE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT
TO PRINCIPLES OF CONFLICTS OF LAWS. 
  
  

 7 

 ABBREVIATIONS 
  
 The following abbreviations, when used in the inscription on the face of the within Note, shall be construed as though they
were written out in full according to applicable laws or regulations: 
  
 TEN COM— as tenants in common 
 TEN ENT— as tenants by the entireties 
 JT TEN— as joint tenants with right of survivorship and not as tenants in common 
 UNIF GIFT MIN ACT—...................................as Custodian for................................. 
                                        
         (Cust)                              
                      (Minor) 
 Under Uniform Gifts to Minors Act 
 ............................................................. 

(State) 
  
 Additional abbreviations may also be used though not in the above list. 
  

  
 ASSIGNMENT 
  
 FOR VALUE RECEIVED, the undersigned
hereby sell(s), assign(s) and transfer(s) unto 
  
 [PLEASE PRINT OR
TYPEWRITE NAME AND ADDRESS 
 INCLUDING ZIP CODE OF ASSIGNEE] 
  
  

  
  

  
  

  
 Please Insert Social Security or Other Identifying Number of Assignee: ____________________________ 
  
 the within Note and all rights thereunder, hereby irrevocably constituting and appointing
__________________________________ Attorney to transfer said Note on the books of the Corporation, with full power of substitution in the premises. 
  

	Dated:_________________________                	_________________________________________________________ 

  
 NOTICE: The signature to this assignment must correspond with the name as it appears upon the face of the within Note in every particular, without alteration or
enlargement or any change whatever and must be guaranteed. 
  

 8 

 BANK OF AMERICA CORPORATION 
 Medium-Term Senior Note, Series K 
  
 SUPPLEMENTAL REDEMPTION AMOUNT RIDER 
  
 General 
  
 This Note is part of a series of
medium-term notes entitled “Medium-Term Notes, Series K” issued under the Indenture, as described in the Prospectus dated April 14, 2004 and Prospectus Supplement dated April 15, 2004 and is designated as the Bank of America
Corporation Minimum Return Equity Appreciation Growth LinkEd Securities “Index EAGLES®,” due November 23, 2010, Linked to the Nasdaq-100 Index®.
Certain capitalized terms used herein have the meanings ascribed to them in the Prospectus and the Prospectus Supplement. 
  
 Payment at Maturity; Supplemental Redemption Amount 
  
 At maturity, the holder of the Note will receive the principal amount of this Note. The holder of the Note also will receive the Supplemental Redemption
Amount, which will not be less than a total of 5.00% of the principal amount of this Note at maturity. This minimum amount is called the “Minimum Supplemental Redemption Amount.” The Supplemental Redemption Amount will be based on the
performance of the Nasdaq-100 Index® during the term of this Note and will be determined
by the Calculation Agent in the manner described below. 
  
 The
Calculation Agent will determine the Supplemental Redemption Amount, which will not be less than the Minimum Supplemental Redemption Amount, by reference to the periodic returns of the Nasdaq-100 Index® during the following 20 “Reference Periods”: 
  

									
	2005/06

	 	2006/07

	 	2007/08

	 	2008/09

	 	2009/10

	11/17/05-2/17/06	 	11/17/06-2/17/07	 	11/17/07-2/17/08	 	11/17/08-2/17/09	 	11/17/09-2/17/10
					
	2/17/06-5/17/06	 	2/17/07-5/17/07	 	2/17/08-5/17/08	 	2/17/09-5/17/09	 	2/17/10-5/17/10
					
	5/17/06-8/17/06	 	5/17/07-8/17/07	 	5/17/08-8/17/08	 	5/17/09-8/17/09	 	5/17/10-8/17/10
					
	8/17/06-11/17/06	 	8/17/07-11/17/07	 	8/17/08-11/17/08	 	8/17/09-11/17/09	 	8/17/10-11/17/10

  
 This Note was priced
on November 17, 2005, or the “pricing date.” The pricing date is the first day of the first Reference Period. 
  
 The last day of each Reference Period is referred to as a “Reset Date.” On each Reset Date, the Calculation Agent will determine the
“Periodic Return” of the Nasdaq-100 Index® for the Reference Period then ended
by applying the following formula: 
  

 9 

 Ending Level – Starting Level 
 Starting Level 
  
 The result will be rounded to the nearest ten-thousandth of a decimal place and then expressed as a percentage. 
  
 The “Starting Level” for the initial Reference Period is the closing level of the Nasdaq-100 Index® on the pricing date, or 1,676.39, and the “Starting Level” for each subsequent Reference Period is the Ending Level for the
immediately preceding Reference Period. The “Ending Level” for each Reference Period is the closing level of the Nasdaq-100 Index® on the applicable Reset Date, or if that day is not a Business Day (as defined above), the closing level of the Nasdaq-100
Index® on the next following Business Day. 
  
 On the pricing date, the Corporation set a cap of 7.12%, or the “Return
Cap,” which limits any increases in the Periodic Return of the Nasdaq-100 Index® to
that rate. For any Reference Period in which the Periodic Return is greater than the Return Cap, the Periodic Return for that Reference Period will be deemed to be the Return Cap. 
  
 After the close of the market on the last Reset Date, the Calculation Agent will determine the Supplemental Redemption
Amount, which will not be less than the Minimum Supplemental Redemption Amount, based on the following formula: 
  
 Principal Amount x Index Return 
  
 The “Index Return” is the compounded value of the 20 Periodic Returns computed in the following manner: 
  
 [The product of (1.00 + the Periodic Return) for each Reference Period] – 1.00 
  
 The Index Return will be rounded to the nearest ten-thousandth and then expressed as a percentage. 
  
 The Supplemental Redemption Amount will be calculated after the close of the
market on the last Reset Date. The period of time between the last Reset Date and the Maturity Date is not part of a Reference Period, and, therefore, changes in the Nasdaq-100 Index® during that period will not affect the Supplemental Redemption Amount payable to the holder of this Note at maturity. If the
calculation of the Supplemental Redemption Amount results in an amount that is less than the Minimum Supplemental Redemption Amount, then the Corporation will pay the holder of this Note at maturity a Supplemental Redemption Amount equal to the
Minimum Supplemental Redemption Amount. 
  
 Event of Default 
  
 Upon the occurrence of an Event of Default (as defined in the Indenture),
the holder of this Note only will be entitled to receive the principal amount of the Note, and will not be entitled to payment of the Supplemental Redemption Amount. 
  

 10 

 Market Disruption 
  
 Each of the following will be a “Market Disruption Event” if, in the sole opinion of the Calculation Agent, that event materially affects the
Nasdaq-100 Index®: 
  
 (a) the suspension, material limitation, or absence of the trading of a material number of stocks included in the Nasdaq-100
Index®; 
  
 (b) the suspension or material limitation of the trading of stocks on one or more stock exchanges on which stocks included
in the Nasdaq-100 Index® are quoted; or 
  
 (c) the suspension or material limitation of the trading of (1) options
or futures relating to the Nasdaq-100 Index® on any options or futures exchanges or
(2) options or futures generally. 
  
 For the purpose of this
definition of Market Disruption Event: 
  
 (a) a limitation on
the number of hours or days of trading will not be a Market Disruption Event if it results from an announced change in the regular business hours of any exchange; 
  
 (b) a limitation on trading imposed by reason of the movements in price exceeding the levels permitted by any relevant
exchange will be a Market Disruption Event; 
  
 (c) a decision to
permanently discontinue trading in the relevant futures or options contracts will not constitute a Market Disruption Event; and 
  
 (d) an absence of trading on a securities exchange or quotation system will not include any time when that exchange or quotation system is closed for
trading under ordinary circumstances. 
  
 If a Market Disruption
Event occurs or is continuing on a day that would otherwise be a Reset Date, then the Calculation Agent instead will use the closing level of the Nasdaq-100 Index® on the first Business Day after that day on which no Market Disruption Event occurs or is continuing. In no event, however, will any
Reset Date be postponed by more than five Business Days. If any Reset Date is postponed to the last possible day, but a Market Disruption Event occurs or is continuing on that day, that day nevertheless will be the Reset Date, and the Calculation
Agent will make a good faith estimate of the closing level of the Nasdaq-100 Index® based
upon its assessment of the level of the Nasdaq-100 Index® at that time. If the last
scheduled Reset Date is postponed due to a Market Disruption Event, the Maturity Date for this Note also will be postponed by the same number of Business Days. 
  

 11 

 Discontinuance of the Nasdaq-100 Index®; Alteration of Method of Calculation 
  
 If Nasdaq® discontinues publication of the Nasdaq-100 Index® and Nasdaq® or another entity publishes a successor or substitute index
that the Calculation Agent determines, in its sole discretion, is comparable to the discontinued Nasdaq-100 Index® (the new index being referred to as a “Successor Index”), then the relevant closing levels shall be determined by reference to the Successor Index at the close of trading on the New York Stock Exchange, the
American Stock Exchange LLC, The Nasdaq National Market, or the relevant exchange or market for the constituent securities of the Successor Index. 
  
 If the Calculation Agent selects a Successor Index, the Calculation Agent immediately shall notify the Corporation and the Trustee, and the Trustee will
provide written notice of a change to the holders of this Note within three Business Days of selection. 
  
 If Nasdaq® discontinues publication of the Nasdaq-100 Index®, and the Calculation
Agent determines that no Successor Index is available, then the Calculation Agent will notify the Corporation and the Trustee and shall calculate the appropriate closing levels. These calculations by the Calculation Agent will be in accordance with
the formula for and method of calculating the Nasdaq-100 Index® last in effect prior to
that discontinuance. If a Successor Index is selected or the Calculation Agent calculates a level as a substitute for the Nasdaq-100 Index®, that Successor Index or level will be substituted for the Nasdaq-100 Index® for all purposes. 
  
 If at any time the method of calculating the Nasdaq-100 Index® or a Successor
Index, or the level of that index, is changed in a material respect, or if the Nasdaq-100 Index® or a Successor Index in any other way is modified so that it does not, in the opinion of the Calculation Agent, fairly represent the level of the Nasdaq-100 Index® or the Successor Index had those changes or modifications not been made, then, from and after that time, the Calculation Agent will
notify the Corporation and the Trustee. The Calculation Agent will make those calculations and adjustments as, in the good faith judgment of the Calculation Agent, may be necessary in order to arrive at a level of a stock index comparable to the
Nasdaq-100 Index® or the Successor Index, as the case may be, as if those changes or
modifications had not been made, and calculate the closing levels with reference to the Nasdaq-100 Index® or the Successor Index, as adjusted. Accordingly, if the method of calculating the Nasdaq-100 Index® or a Successor Index is modified so that the level of that index is a fraction of what it would have been if it had not been modified (e.g., due to a split in the index), then the Calculation Agent
shall adjust that index in order to arrive at a level of the Nasdaq-100 Index® or the
Successor Index as if it had not been modified (e.g., as if the split had not occurred). 
  
 Role of the Calculation Agent 
  
 The Calculation Agent has the sole discretion to make all determinations regarding this Note, including determinations regarding the Index Return, the Periodic Return, the Supplemental Redemption Amount, Market Disruption Events, Successor
Indices, and Business Days. Absent manifest error, all determinations of the Calculation Agent will be final and binding on the holder of this Note and the Corporation, without any liability on the part of the Calculation Agent. 
  

 12 

 The Corporation has initially appointed its affiliate, Banc of America Securities LLC, as the Calculation
Agent, but the Corporation may change the Calculation Agent at any time without notifying the holder of this Note. 
  

 13

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