As a part-time teller at Bank of America's main San Francisco branch, Kyu Nam Kim isn't entitled to health or retirement benefits.

But a year ago, she was given an option to buy 100 shares of BankAmerica Corp.'s stock under a plan that covered the bank's 85,000 full- and part- time workers. Since then, she has received options on another 200 shares- and she has no plans to cash in.

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